MACON - BIBB COUNTY Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Macon - Bibb County averaged 3.54% for the week of 2021-11-24, compared to the national average of 3.1% for the same period.

The average rate for the prior week (2021-11-18) was 3.44% and one month ago for the week of 2021-10-21, the average rate was 3.23%.

Macon - Bibb County's average rate one year ago was 2.96%.

For refis of the same type during the week of 2021-11-24, the average rate was 3.16%.

Loan Type Date Rate
US 30 Year Fixed Rate 2021-11-24 3.1%
Macon - Bibb County 30 Year Fixed Rate 2021-11-24 3.54%
Macon - Bibb County 30 Year Fixed Rate Refi 2021-11-24 3.16%
Macon - Bibb County 15 Year Fixed Rate 2021-11-24 2.87%
Macon - Bibb County 15 Year Fixed Rate Refi 2021-11-24 2.64%
Macon - Bibb County 30 Year FHA 2021-11-24 3.56%
Macon - Bibb County 30 Year FHA Refi 2021-11-24 3.44%
Macon - Bibb County 30 Year USDA 2021-11-24 3.4%
Macon - Bibb County 30 Year USDA Refi 2021-11-24 3.5%
Macon - Bibb County 30 Year VA 2021-11-24 3.61%
Macon - Bibb County 30 Year VA Refi 2021-11-24 3.11%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within MACON-BIBB COUNTY, GA.

MACON - BIBB COUNTY Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the MACON-BIBB COUNTY, GA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2020 Avg. 30yFix Rate 2020 Avg. Total Fees
ROBINS FINANCIAL 222 3.15% $3,168
First Federal Bank 182 3.34% $4,389
QUICKEN LOANS, LLC 154 3.37% $5,024
Renasant Bank 103 3.40% $3,732
Synovus Bank 81 3.11% $6,484
GMFS LLC 80 3.19% $3,039
South State Bank, National Association 63 3.20% $3,451
UNITED WHOLESALE MORTGAGE, LLC 56 3.04% $5,130
Truist Bank 47 3.36% $3,630
Colony Bank 47 3.26% $3,205
BROKER SOLUTIONS, INC. 45 3.30% $3,910
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 44 3.51% $3,201
Wells Fargo Bank, National Association 39 3.49% $2,488
Ameris Bank 34 3.12% $3,686
Capital City Home Loans, LLC 32 3.04% $3,366
NAVY FEDERAL CREDIT UNION 26 4.02% $3,220
HOME POINT FINANCIAL CORPORATION 23 3.29% $3,483
LOANDEPOT.COM, LLC 21 3.26% $4,756
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 21 3.51% $4,063
GUILD MORTGAGE COMPANY 20 3.50% $5,329
United Bank 19 3.16% $4,866
CREDIT UNION FINANCIAL SERVICES, LLC 17 3.39% $5,465
Bank of America, National Association 17 2.99% $4,431
MORTGAGE INVESTORS GROUP, INC. 16 3.16% $3,133
HOMESTAR FINANCIAL CORPORATION 15 3.22% $3,462
GUARANTY HOME MORTGAGE CORPORATION 13 3.13% $4,065
Bank OZK 13 3.73% $2,848
SOUTHPOINT FINANCIAL SERVICES, INC. 13 3.45% $4,507
BETTER MORTGAGE CORPORATION 11 3.05% $4,304
INSPIRE HOME LOANS INC. 11 3.27% $3,776
First Reliance Bank 11 3.40% $3,653
JPMorgan Chase Bank, National Association 10 3.70% $2,439
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 10 3.24% $4,373
NEWREZ LLC 9 3.44% $4,114
USAA Federal Savings Bank 9 3.65% $3,274
Regions Bank 9 3.28% $2,491
SUCCESS MORTGAGE PARTNERS, INC. 8 3.23% $4,598
AgFirst Farm Credit Bank 8 3.45% $6,696
U.S. Bank National Association 8 3.50% $2,010
EMM LOANS LLC 7 3.50% $3,618
PENNYMAC LOAN SERVICES, LLC 7 3.21% $5,830
PROVIDENT FUNDING ASSOCIATES, L.P. 7 3.20% $4,825
NATIONSTAR MORTGAGE LLC 7 3.89% $5,293
HOMEBRIDGE FINANCIAL SERVICES, INC. 7 3.14% $5,313
PRIMELENDING, A PLAINSCAPITAL COMPANY 6 3.25% $3,887
AMERISAVE MORTGAGE CORPORATION 6 3.25% $4,556
CROSSCOUNTRY MORTGAGE, LLC 6 3.42% $3,572
Cadence Bank, N.A. 5 3.10% $4,332
BANKSOUTH MORTGAGE COMPANY, LLC 5 2.85% $4,614
The Huntington National Bank 5 3.94% $2,455
CALIBER HOME LOANS, INC. 5 3.59% $3,834
TOWNE MORTGAGE COMPANY 5 3.70% $5,568
STOCKTON MORTGAGE CORPORATION 5 3.10% $4,365
MILEND, INC. 4 3.34% $6,328
ZILLOW HOME LOANS, LLC 4 3.34% $1,061
Discover Bank 4 4.24% $0
ANGEL OAK HOME LOANS LLC 4 3.22% $4,266
PNC Bank, National Association 3 3.50% $3,181
VANDERBILT MORTGAGE AND FINANCE, INC. 3 3.25% $3,663
Fifth Third Bank, National Association 3 3.88% $4,756
DELTA COMMUNITY CREDIT UNION 3 3.08% $4,526
ATLANTA POSTAL 3 3.46% $3,353
VAN DYK MORTGAGE CORPORATION 3 3.46% $2,609
United Community Bank 3 3.67% $3,446
PENTAGON FEDERAL CREDIT UNION 3 3.38% $1,673
Carrington Mortgage Services, LLC 3 3.54% $4,604
SOUTHEAST MORTGAGE OF GEORGIA, INC. 3 3.08% $6,107
Ally Bank 3 3.13% $3,400
Evolve Bank & Trust 3 3.50% $3,194
GEORGIA'S OWN 3 3.38% $4,740
RUOFF MORTGAGE COMPANY, INC. 3 2.96% $3,520
Sierra Pacific Mortgage Company, Inc. 3 3.79% $4,609
GUARANTEED RATE, INC. 2 3.06% $3,705
NexBank 2 3.44% $3,686
EMBRACE HOME LOANS, INC. 2 3.68% $4,445
Flagstar Bank, FSB 2 2.83% $6,224
Stifel Bank and Trust 2 2.94% $3,467
Capital City Bank 2 3.75% $1,044
Magnolia Bank 2 3.25% $4,532
Nations Lending Corporation 2 3.19% $7,727
TIAA, FSB 2 3.13% $138
MUTUAL OF OMAHA MORTGAGE, INC. 2 3.75% $5,039
UIF CORPORATION 2 2.81% $3,751
GEORGIA UNITED 2 3.44% $2,976
Northpointe Bank 2 3.66% $5,736
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 4.88% $7,305
PANORAMA MORTGAGE GROUP, LLC 2 3.19% $5,211
GUARANTEED RATE AFFINITY, LLC 2 3.00% $1,598
EVERETT FINANCIAL, INC. 2 3.25% $1,866
AMERICAN FINANCING CORPORATION 2 3.94% $4,948
CHURCHILL MORTGAGE CORPORATION 2 3.44% $4,379
Paramount Residential Mortgage Group, Inc. 2 2.94% $5,527
HOMESIDE FINANCIAL, LLC 2 3.81% $5,497
PLAZA HOME MORTGAGE, INC. 2 3.94% $5,205
Citizens Bank, National Association 2 3.13% $2,658
Equity Prime Mortgage LLC 2 3.50% $5,636
CRESCENT MORTGAGE COMPANY 2 3.06% $3,111
KELLER MORTGAGE, LLC 2 3.19% $4,092
Colten Mortgage, LLC 2 3.31% $3,020
Blue Ridge Bank, National Association 2 3.63% $2,922
MOVEMENT MORTGAGE, LLC 1 3.50% $4,856
1ST SIGNATURE LENDING, LLC 1 2.75% $4,414
ACOPIA, LLC 1 3.00% $3,948
Alcova Mortgage LLC 1 3.88% $2,763
ALLIED MORTGAGE GROUP, INC. 1 3.63% $6,021
AMERICAN HOME MORTGAGE, INC. 1 3.00% $2,929
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 7.88% $7,235
Arvest Bank 1 3.50% $3,149
Associated Credit Union 1 2.88% $7,590
Assurance Financial Group, L.L.C. 1 3.25% $2,968
Bank of England 1 3.00% $3,835
Baxter Credit Union 1 2.00% $12,783
BAY EQUITY LLC 1 2.75% $2,980
BBVA USA 1 3.13% $3,636
CERTAINTY HOME LOANS, LLC 1 2.75% $2,974
Citibank, National Association 1 3.00% $5,112
City National Bank 1 4.10% $3,555
CITYWIDE HOME LOANS, LLC 1 2.75% $3,578
CMG MORTGAGE, INC. 1 3.38% $4,391
Credence Funding Corporation 1 2.75% $2,027
DAS Acquisition Company, LLC 1 2.85% $3,102
Deere Employees Credit Union 1 3.25% $3,247
DELMAR FINANCIAL COMPANY 1 2.63% $3,188
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 2.50% $3,137
DIRECT LENDERS, LLC 1 3.13% $1,404
FBC MORTGAGE, LLC 1 2.88% $2,348
FIRST COMMUNITY MORTGAGE, INC. 1 3.13% $3,008
First Home Bank 1 2.88% $5,134
First Mortgage Solutions, LLC 1 3.50% $4,398
First National Bank of Pennsylvania 1 2.88% $3,982
Franklin Loan Corporation 1 3.63% $2,979
FREEDOM MORTGAGE CORPORATION 1 6.00% $5,415
Gateway First Bank 1 3.00% $4,066
Goldwater Bank, N.A. 1 3.00% $3,393
GoPrime Mortgage, Inc. 1 3.38% $4,501
HAMILTON HOME LOANS, INC. 1 2.75% $4,254
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 4.13% $3,383
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.25% $3,805
HOMEXPRESS MORTGAGE CORP. 1 7.75% $4,470
InterContinental Capital Group, Inc 1 3.63% $5,180
INTERLINC MORTGAGE SERVICES, LLC 1 3.00% $1,229
JAX 1 5.50% $3,539
JET DIRECT FUNDING CORP 1 2.88% $3,048
LAKEVIEW LOAN SERVICING, LLC 1 3.99% $3,797
Landmark National Bank 1 3.25% $2,765
LENDUS, LLC 1 4.00% $4,609
Manufacturers and Traders Trust Company 1 3.75% $4,961
Marriott Employees' Federal Credit Union 1 2.75% $9,076
MID AMERICA MORTGAGE, INC. 1 3.49% $1,955
MORIA DEVELOPMENT, INC. 1 3.88% $3,307
Mortgage Assurance Inc. 1 3.25% $2,672
Mortgage Network, Inc. 1 2.88% $3,048
1ST PREFERENCE MORTGAGE CORP. 1 3.50% $4,229
NBH Bank 1 3.25% $3,687
NBKC BANK 1 3.38% $2,706
North American Savings Bank, F.S.B. 1 2.88% $2,518
PARKSIDE LENDING, LLC 1 3.00% $5,863
PLANET HOME LENDING, LLC 1 3.75% $11,125
PREMIA MORTGAGE, LLC 1 3.13% $1,831
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 4.99% $7,492
Prosperity Home Mortgage, LLC 1 3.25% $3,467
Queensborough National Bank & Trust Company 1 2.38% $0
RADIUS FINANCIAL GROUP INC. 1 3.75% $4,155
Republic Bank & Trust Company 1 3.13% $3,032
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.63% $890
SECURITYNATIONAL MORTGAGE COMPANY 1 4.13% $3,490
SHELTER HOME MORTGAGE, LLC 1 3.88% $2,904
SouthPoint Bank 1 4.75% $2,878
South State Bank 1 3.75% $7,139
SOVEREIGN LENDING GROUP INCORPORATED 1 3.25% $5,446
STEARNS LENDING, LLC 1 3.25% $3,637
SUMMIT FUNDING, INC. 1 2.99% $4,028
The Federal Savings Bank 1 3.25% $7,174
TJC Mortgage, Inc. 1 3.50% $5,946
UNION HOME MORTGAGE CORP. 1 3.00% $3,477
UNITED 1 4.50% $2,937
US MORTGAGE CORPORATION 1 3.00% $3,612

MACON-BIBB COUNTY, GA's 177 lenders originated 5,612 loans during 2020. The total origination value was $1,186,050,000, with an average loan value of $211,342.

The top MACON - BIBB COUNTY lender as defined by loan originations is ROBINS FINANCIAL, with 222 loans originated. Their average total fees are $3,168, which is $1,221 lower than the next largest lender, First Federal Bank.

The lowest fee MACON - BIBB COUNTY lenders (with over 10 loans originated) are JPMorgan Chase Bank, National Association ($2,439), Wells Fargo Bank, National Association ($2,488), Bank OZK ($2,848), GMFS LLC ($3,039) and MORTGAGE INVESTORS GROUP, INC. ($3,133).

The lowest rate MACON - BIBB COUNTY lenders (with over 10 loans originated) are Bank of America, National Association (2.99%), Capital City Home Loans, LLC (3.04%), UNITED WHOLESALE MORTGAGE, LLC (3.04%), BETTER MORTGAGE CORPORATION (3.05%) and Synovus Bank (3.11%).

MACON-BIBB COUNTY, GA Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2019 Loan Value 2020 Loan Value % Change 2020 Market Share
Quicken Loans $43,790,000 $88,790,000 102.8% 7.5%
RENASANT BANK $29,150,000 $79,290,000 172.0% 6.7%
Robins Financial Credit Union $44,935,000 $77,815,000 73.2% 6.6%
Synovus Bank $7,310,000 $47,235,000 546.2% 4.0%
CENTERSTATE BANK N.A. $21,630,000 $41,535,000 92.0% 3.5%
WELLS FARGO BANK NA $33,505,000 $33,850,000 1.0% 2.9%
WALKER & DUNLOP, LLC $3,645,000 $32,605,000 794.5% 2.7%
CBRE Multifamily Capital, Inc. $31,885,000 n/a 2.7%
GMFS LLC $13,750,000 $31,460,000 128.8% 2.7%
Colony Bank $9,220,000 $26,295,000 185.2% 2.2%
Branch Banking And Trust Co $16,830,000 $26,070,000 54.9% 2.2%
United Shore Financial Services LLC $13,875,000 $24,370,000 75.6% 2.1%
Freedom Mortgage Corporation $4,360,000 $21,190,000 386.0% 1.8%
FAIRWAY INDEPENDENT MORT CORP $17,020,000 $21,115,000 24.1% 1.8%
New American Funding (dba for Broker Solutions Inc) $10,295,000 $20,790,000 101.9% 1.8%
Guild Mortgage Company $8,350,000 $20,340,000 143.6% 1.7%
RED MORTGAGE CAPITAL, LLC $18,675,000 n/a 1.6%
AMERIS BANK $14,490,000 $18,605,000 28.4% 1.6%
Mortgage Research Center LLC $11,175,000 $15,200,000 36.0% 1.3%
loanDepot LLC $5,195,000 $14,205,000 173.4% 1.2%
Morris Bank $14,030,000 $12,920,000 -7.9% 1.1%
United Bank $10,890,000 $12,865,000 18.1% 1.1%
CAPITAL CITY BANK $12,215,000 $12,535,000 2.6% 1.1%
NAVY FEDERAL CREDIT UNION $5,315,000 $12,305,000 131.5% 1.0%
HomeStar Financial Corporation $5,040,000 $12,135,000 140.8% 1.0%
Exchange Bank $6,205,000 $11,730,000 89.0% 1.0%
KeyBank National Association $11,625,000 n/a 1.0%
Nationstar Mortgage $5,150,000 $10,640,000 106.6% 0.9%
Citibank, N.A. $800,000 $10,065,000 1,158.1% 0.8%
Brand Mortgage $135,000 $9,950,000 7,270.4% 0.8%
Atlantic Bay Mortgage Group LLC $3,945,000 $9,855,000 149.8% 0.8%
Bank of America NA $7,225,000 $9,500,000 31.5% 0.8%
USAA FEDERAL SAVINGS BANK $9,365,000 $9,490,000 1.3% 0.8%
Cadence Bank, N.A. $8,035,000 $7,495,000 -6.7% 0.6%
Home Point Financial Corporation $1,240,000 $6,990,000 463.7% 0.6%
CARRINGTON MORTGAGE SERVICES $3,015,000 $6,850,000 127.2% 0.6%
MORTGAGE INVESTORS GROUP $2,970,000 $6,770,000 127.9% 0.6%
NEWREZ LLC $1,015,000 $6,740,000 564.0% 0.6%
Amerisave Mortgage Corporation $1,365,000 $6,665,000 388.3% 0.6%
PENNYMAC LOAN SERVICES LLC $4,530,000 $6,545,000 44.5% 0.6%
Cardinal Financial Company LP $1,305,000 $6,065,000 364.8% 0.5%
Credit Union Financial Services, LLC $2,160,000 $5,685,000 163.2% 0.5%
Inspire Home Loans $1,335,000 $5,270,000 294.8% 0.4%
Berkadia Commercial Mortgage $5,205,000 n/a 0.4%
Village Capital & Investment $795,000 $5,205,000 554.7% 0.4%
Caliber Home Loans Inc $1,405,000 $4,970,000 253.7% 0.4%
Better Mortgage Corporation $165,000 $4,835,000 2,830.3% 0.4%
NewDay Financial LLC dba NewDay USA $2,145,000 $4,605,000 114.7% 0.4%
Crescent Mortgage Company $2,920,000 $4,505,000 54.3% 0.4%
HomeBridge Financial Services, Inc. $3,645,000 $4,495,000 23.3% 0.4%
Southpoint Financial Services $1,140,000 $4,245,000 272.4% 0.4%
First Reliance Bank $1,490,000 $3,915,000 162.8% 0.3%
Guaranty Trust Company $4,310,000 $3,750,000 -13.0% 0.3%
JPMorgan Chase Bank, NA $2,690,000 $3,640,000 35.3% 0.3%
Success Mortgage Partners Inc. $1,910,000 $3,470,000 81.7% 0.3%
SunMark Community Bank $7,950,000 $3,275,000 -58.8% 0.3%
21ST MORTGAGE $2,350,000 $3,055,000 30.0% 0.3%
Pinnacle Bank $10,205,000 $2,755,000 -73.0% 0.2%
AGFIRST FARM CREDIT BANK $1,835,000 $2,695,000 46.9% 0.2%
Clearpath Lending $1,460,000 $2,640,000 80.8% 0.2%
PRIMELENDING $1,610,000 $2,620,000 62.7% 0.2%
Towne Mortgage Company $1,385,000 $2,500,000 80.5% 0.2%
REGIONS BANK $850,000 $2,445,000 187.6% 0.2%
Atlanta Postal Credit Union $1,770,000 $2,435,000 37.6% 0.2%
Provident Funding Associates $495,000 $2,285,000 361.6% 0.2%
US BANK, N.A. $505,000 $2,195,000 334.7% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC $4,340,000 $2,165,000 -50.1% 0.2%
Paramount Residential Mortgage Group Inc. $2,140,000 n/a 0.2%
Southeast Mortgage of Georgia $880,000 $2,040,000 131.8% 0.2%
VanDyk Mortgage Corporation $820,000 $1,910,000 132.9% 0.2%
Intercontinental Capital Group, Inc. $235,000 $1,870,000 695.7% 0.2%
Stifel Bank and Trust $325,000 $1,870,000 475.4% 0.2%
ANGEL OAK HOME LOANS LLC $550,000 $1,825,000 231.8% 0.2%
Barrington Bank & Trust $1,330,000 $1,800,000 35.3% 0.2%
Mortgage Lenders of America LLC $1,020,000 $1,800,000 76.5% 0.2%
BANKSOUTH MORTGAGE COMPANY, LL $1,955,000 $1,765,000 -9.7% 0.1%
Lakeview Loan Servicing, LLC $720,000 $1,735,000 141.0% 0.1%
MOVEMENT MORTGAGE, LLC $2,120,000 $1,640,000 -22.6% 0.1%
Arbor Realty Trust Inc $1,605,000 n/a 0.1%
Planters First Bank $4,445,000 $1,605,000 -63.9% 0.1%
Planet Home Lending LLC $395,000 $1,600,000 305.1% 0.1%
E Mortgage Management LLC $195,000 $1,585,000 712.8% 0.1%
Alterra Group LLC dba Alterra Home Loans $1,520,000 $1,565,000 3.0% 0.1%
Magnolia Bank Incorporated $175,000 $1,505,000 760.0% 0.1%
The Federal Savings Bank $565,000 $1,500,000 165.5% 0.1%
Bellwether Enterprise Real Estate Capital LLC $1,475,000 n/a 0.1%
Delta Community Credit Union $1,635,000 $1,455,000 -11.0% 0.1%
Primary Residential Mortgage Inc. $1,755,000 $1,450,000 -17.4% 0.1%
Supreme Lending/ Everett Financial Inc. $740,000 $1,440,000 94.6% 0.1%
First Guaranty Mortgage Corporation $1,910,000 $1,420,000 -25.7% 0.1%
Milend Inc. $995,000 $1,310,000 31.7% 0.1%
Stockton Mortgage Corporation $1,310,000 n/a 0.1%
Huntington National Bank $245,000 $1,305,000 432.7% 0.1%
Evolve Bank & Trust $480,000 $1,290,000 168.8% 0.1%
BANK OZK $590,000 $1,260,000 113.6% 0.1%
Northpointe Bank $365,000 $1,230,000 237.0% 0.1%
Nations Lending Corporation $730,000 $1,185,000 62.3% 0.1%
First Community Mortgage Inc. $325,000 $1,170,000 260.0% 0.1%
Flagstar Bank $1,115,000 $1,145,000 2.7% 0.1%
Lakeview Community Capital, LLC $1,130,000 n/a 0.1%
Guaranteed Rate Inc. $595,000 $1,125,000 89.1% 0.1%
Sierra Pacific Mortgage $165,000 $1,115,000 575.8% 0.1%
Ruoff Home Mortgage $160,000 $1,105,000 590.6% 0.1%
United Community Bank $690,000 $1,100,000 59.4% 0.1%
CERTAIN HOME LOANS, LLC $375,000 $1,065,000 184.0% 0.1%
Georgia's Own Credit Union $450,000 $1,065,000 136.7% 0.1%
Homeside Financial LLC $390,000 $1,065,000 173.1% 0.1%
Platinum Home Mortgage Corporation $1,055,000 n/a 0.1%
Bank of Terrell $165,000 $1,035,000 527.3% 0.1%
Guaranteed Rate Affinity LLC $125,000 $1,020,000 716.0% 0.1%
Pentagon Federal Credit Union $530,000 $980,000 84.9% 0.1%
TIAA, FSB $1,675,000 $960,000 -42.7% 0.1%
North American Savings Bank $540,000 $925,000 71.3% 0.1%
PNC BANK NA $2,125,000 $915,000 -56.9% 0.1%
1st Signature Lending LLC $595,000 $905,000 52.1% 0.1%
AmeriHomeMortgageCompany,LL $365,000 $905,000 147.9% 0.1%
Synergy One Lending $85,000 $905,000 964.7% 0.1%
Stearns Lending $2,410,000 $900,000 -62.7% 0.1%
Fifth Third Bank $205,000 $890,000 334.1% 0.1%
Equity Prime Mortgage LLC $550,000 $875,000 59.1% 0.1%
On Q Financial Inc. $870,000 n/a 0.1%
Churchill Mortgage Corporation $485,000 $855,000 76.3% 0.1%
SOUTH GEORGIA BANK $855,000 n/a 0.1%
Bank of Eastman $1,420,000 $825,000 -41.9% 0.1%
LendUS LLC dba RPM Mortgage $640,000 $825,000 28.9% 0.1%
Low VA Rates $250,000 $825,000 230.0% 0.1%
American Financial Network Inc. $3,995,000 $805,000 -79.8% 0.1%
Mid America Mortgage Inc. $795,000 n/a 0.1%
Acopia, LLC $300,000 $790,000 163.3% 0.1%
Blue Ridge Bank, NA $105,000 $790,000 652.4% 0.1%
Southern States Bank $790,000 n/a 0.1%
Finance of America Commercial LLC $2,855,000 $785,000 -72.5% 0.1%
Bank of England $115,000 $780,000 578.3% 0.1%
Florida Capital Bank National Association $775,000 n/a 0.1%
PrimeSouth Bank $765,000 n/a 0.1%
CMG Mortgage Inc. $620,000 $735,000 18.5% 0.1%
The Mortgage Firm, Inc. $740,000 $670,000 -9.5% 0.1%
US Mortgage of Florida $665,000 n/a 0.1%
AmWest Funding Corp. $165,000 $655,000 297.0% 0.1%
Union Home Mortgage Company $650,000 n/a 0.1%
First Home Bank $640,000 n/a 0.1%
iServe Residential Lending LLC $400,000 $625,000 56.3% 0.1%
Keller Mortgage LLC $115,000 $625,000 443.5% 0.1%
First National Bank of Griffin $620,000 n/a 0.1%
Direct Lenders, LLC. $600,000 n/a 0.1%
American Nationwide Mortgage Company $585,000 n/a 0.0%
DAS Acquisition Company, LLC $165,000 $580,000 251.5% 0.0%
HOMEXPRESS MORTGAGE CORP. $575,000 n/a 0.0%
NBKC Bank $750,000 $565,000 -24.7% 0.0%
KS StateBank $345,000 $560,000 62.3% 0.0%
AAG $310,000 $550,000 77.4% 0.0%
Discover Bank $220,000 $545,000 147.7% 0.0%
Embrace Home Loans, Inc. $545,000 n/a 0.0%
LendingHome Funding Corporation $75,000 $525,000 600.0% 0.0%
First Internet Bank $145,000 $515,000 255.2% 0.0%
Oceanside Mortgage Company $435,000 $515,000 18.4% 0.0%
American Financing Corporation $510,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $2,875,000 $510,000 -82.3% 0.0%
Heritage Bank $505,000 n/a 0.0%
Homeowners Financial Group $500,000 n/a 0.0%
ACU $55,000 $495,000 800.0% 0.0%
The Peoples Bank of Georgia $495,000 n/a 0.0%
POLARIS HOME FUNDING CORP $490,000 n/a 0.0%
CBNA $175,000 $485,000 177.1% 0.0%
Mortgage Assurance Inc. $105,000 $480,000 357.1% 0.0%
Prime Mortgage Lending Inc. $935,000 $475,000 -49.2% 0.0%
DIAMOND RESIDENTIAL MTG CORP $300,000 $450,000 50.0% 0.0%
InterLinc Mortgage Services LLC $450,000 n/a 0.0%
Triad Financial Services Inc $365,000 $450,000 23.3% 0.0%
Academy Mortgage Corporation $230,000 $445,000 93.5% 0.0%
First National Bank of Pennsylvania $445,000 n/a 0.0%
Sovereign Lending Group, Inc $205,000 $440,000 114.6% 0.0%
Ark-La-Tex Financial Services LLC $655,000 $430,000 -34.4% 0.0%
Goldwater Bank National Association $280,000 $420,000 50.0% 0.0%
FBC Mortgage LLC $415,000 n/a 0.0%
Wyndham Capital Mortgage $670,000 $415,000 -38.1% 0.0%
Bay Equity LLC $220,000 $390,000 77.3% 0.0%
Bank of Dudley $635,000 $370,000 -41.7% 0.0%
Sirva Mortgage Inc. $370,000 n/a 0.0%
UIF Corporation $370,000 n/a 0.0%
Jet Direct Funding Corp $360,000 n/a 0.0%
First Mortgage Solutions LLC $195,000 $350,000 79.5% 0.0%
Mortgage Solutions of Colorado LLC $705,000 $350,000 -50.4% 0.0%
Marriott Employees' FCU $345,000 n/a 0.0%
NETWORK FUNDING, L.P. $715,000 $345,000 -51.7% 0.0%
First Option Mortgage LLC $525,000 $330,000 -37.1% 0.0%
TJC Mortgage, Inc. $440,000 $330,000 -25.0% 0.0%
Angel Oak Mortgage Solutions $520,000 $325,000 -37.5% 0.0%
Hamilton Group Funding Inc. $205,000 $320,000 56.1% 0.0%
PHH MORTGAGE CORPORATION $375,000 $320,000 -14.7% 0.0%
First Savings Bank $595,000 $315,000 -47.1% 0.0%
Guidance Residential LLC $235,000 $315,000 34.0% 0.0%
SHELTER HOME MORTGAGE, LLC $315,000 n/a 0.0%
Hometown Equity Mortgage LLC $320,000 $310,000 -3.1% 0.0%
Plaza Home Mortgage Inc. $310,000 n/a 0.0%
Commerce Home Mortgage Inc. $295,000 n/a 0.0%
Reverse Mortgage Funding LLC $155,000 $295,000 90.3% 0.0%
Baxter Credit Union $290,000 n/a 0.0%
Liberty Home Mortgage Corp $290,000 n/a 0.0%
Colten Mortgage $280,000 n/a 0.0%
First State Bank of Blakely, Inc. $280,000 n/a 0.0%
SouthPoint Bank $280,000 n/a 0.0%
City National Bank $275,000 n/a 0.0%
Georgia United Credit Union $925,000 $270,000 -70.8% 0.0%
COMPASS BANK $265,000 n/a 0.0%
Parkside Lending LLC $265,000 n/a 0.0%
radius financial group inc $225,000 $260,000 15.6% 0.0%
M&T Bank $255,000 n/a 0.0%
Premia Mortgage, LLC $275,000 $255,000 -7.3% 0.0%
SOUTH STATE BANK $255,000 n/a 0.0%
Citywide Home Loans A Utah Corporation $245,000 n/a 0.0%
AimLoan.com $255,000 $235,000 -7.8% 0.0%
DelMar Financial Company $235,000 n/a 0.0%
Finance of America Mortgage LLC $145,000 $235,000 62.1% 0.0%
LeaderOne Financial Corp. $235,000 n/a 0.0%
Prosperity Home Mortgage LLC $55,000 $235,000 327.3% 0.0%
Republic Bank & Trust Company $235,000 n/a 0.0%
American Financial Resources Inc. $345,000 $220,000 -36.2% 0.0%
Allied Mortgage Group Inc $215,000 n/a 0.0%
Graystone Mortgage LLC $215,000 n/a 0.0%
Third Federal Savings and Loan $210,000 $210,000 0.0% 0.0%
AMERICAN HOME MORTGAGE, INC $205,000 n/a 0.0%
CIBC Bank USA $205,000 n/a 0.0%
Deere Employees Credit Union $280,000 $205,000 -26.8% 0.0%
Flint Community Bank $205,000 n/a 0.0%
Mid-Continent Funding, Inc. $165,000 $205,000 24.2% 0.0%
Summit Funding Inc. $205,000 n/a 0.0%
HomePromise Corporation $195,000 n/a 0.0%
Member First Mortgage LLC $195,000 n/a 0.0%
PEOPLESSOUTH BANK $195,000 n/a 0.0%
SecurityNational Mortgage Company $260,000 $195,000 -25.0% 0.0%
Queensborough National Bank & Trust Company $285,000 $190,000 -33.3% 0.0%
Homestead Funding Corp. $185,000 n/a 0.0%
CityWorth Mortgage $1,000,000 $175,000 -82.5% 0.0%
Landmark National Bank $165,000 n/a 0.0%
Thrive Mortgage LLC $165,000 n/a 0.0%
NBH Bank $155,000 n/a 0.0%
SWBC Mortgage Corporation $155,000 n/a 0.0%
Bayshore Mortgage Funding LLC $145,000 n/a 0.0%
CalCon Mutual Mortgage LLC $85,000 $145,000 70.6% 0.0%
CDC Federal Credit Union $145,000 n/a 0.0%
Croghan Colonial Bank $145,000 n/a 0.0%
Mortgage Network, Inc $145,000 n/a 0.0%
ALCOVA Mortgage LLC $135,000 n/a 0.0%
Hamilton Mortgage Corporation $135,000 n/a 0.0%
US Mortgage Corporation $135,000 n/a 0.0%
BANK OF TENNESSEE $130,000 n/a 0.0%
1st Preference Mortgage Corporation $125,000 n/a 0.0%
ARVEST BANK $125,000 n/a 0.0%
GATEWAY MORTGAGE GROUP $125,000 n/a 0.0%
Peoples Mortgage Company $125,000 $125,000 0.0% 0.0%
Velocity Commercial Capital LLC $125,000 n/a 0.0%
Augusta Mortgage Company $115,000 n/a 0.0%
Highlands Residential Mortgage Ltd $115,000 n/a 0.0%
Oconee State Bank $105,000 n/a 0.0%
CountryPlace Mortgage Ltd. $95,000 n/a 0.0%
Franklin Loan Center $95,000 n/a 0.0%
JAX Federal Credit Union $95,000 n/a 0.0%
Digital Federal Credit Union $75,000 n/a 0.0%
United Federal Credit Union $75,000 n/a 0.0%
SPRING EQ, LLC $35,000 $70,000 100.0% 0.0%
Citizens Equity First Credit Union (CEFCU) $335,000 $55,000 -83.6% 0.0%
First-Citizens Bank & Trust Co $55,000 n/a 0.0%
IBM Southeast Employees Federal Credit Union $75,000 $55,000 -26.7% 0.0%
1st Franklin Financial Corporation $185,000 $50,000 -73.0% 0.0%
State Farm Bank $635,000 $45,000 -92.9% 0.0%
Workmen's Circle Credit Union $35,000 n/a 0.0%
Justice Federal Credit Union $25,000 n/a 0.0%
Finance of America Reverse LLC $85,000 $5,000 -94.1% 0.0%

MACON - BIBB COUNTY's top lender by overall market share is Quicken Loans, with 7.5% market share. In second place, with 6.7%, is RENASANT BANK, having originated $79,290,000 in loans. In third place, with 6.6%, is Robins Financial Credit Union, having originated $77,815,000 in loans. In third place, with 4.0%, is Synovus Bank, having originated $47,235,000 in loans. In third place, with 3.5%, is CENTERSTATE BANK N.A., having originated $41,535,000 in loans.


MACON-BIBB COUNTY, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,609 $597,065,000 $228,848
Refi 1,978 $429,720,000 $217,250
Cash Out Refi 599 $119,465,000 $199,441
Home Improvement 223 $15,475,000 $69,395
Other 203 $24,325,000 $119,828

Macon - Bibb County's most frequently cited loan purpose was Home Purchase, with 2,609 originations. The 2nd most popular reason was Refi, with 1,978 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 2,430 $562,540,000 $231,498
2.5-3% 1,687 $393,315,000 $233,145
<2.5% 553 $101,035,000 $182,703
4-5% 425 $64,435,000 $151,612
Over 8% 112 $9,470,000 $84,554
5-6% 96 $11,380,000 $118,542
7-8% 44 $3,470,000 $78,864
6-7% 39 $3,495,000 $89,615

During 2020, Macon - Bibb County's most frequently originated rate bucket was 3-4%, with 2,430 originations.

Loan Sizing (MACON-BIBB COUNTY, GA MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 2,509 $369,945,000 $147,447
$200k-400k 1,584 $430,010,000 $271,471
$100,000 or less 1,235 $73,215,000 $59,283
$400k-600k 222 $104,130,000 $469,054
$Over $1MM 34 $189,200,000 $5,564,706
$600k-1000k 28 $19,550,000 $698,214

MACON - BIBB COUNTY's loan sizing saw the bucket of loans from $100k-200k with 2,509 originations, totaling $369,945,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 2,719 $535,315,000 $196,879
60-80% 1,452 $434,400,000 $299,174
40-60% 433 $89,345,000 $206,339
Under 20% 238 $7,170,000 $30,126
20-40% 234 $20,390,000 $87,137
Over 100% 101 $23,745,000 $235,099

MACON - BIBB COUNTY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,719 originations, totaling $535,315,000 in origination value.