MACON - BIBB COUNTY Mortgage Rates
30 Year Fixed Rate mortgages in Macon - Bibb County averaged
5.29%
for the week of 2022-05-19, compared to the national average of
5.25% for the same period.
The average rate for the prior week (2022-05-12) was
5.64% and
one month ago for the week of 2022-04-14, the
average rate was 5.24%.
Macon - Bibb County's average rate one year ago was 3.25%.
For refis of the same type during the week of 2022-05-19, the average rate
was 5.41%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-05-19 | 5.25% |
| Macon - Bibb County 30 Year Fixed Rate | 2022-05-19 | 5.29% |
| Macon - Bibb County 30 Year Fixed Rate Refi | 2022-05-19 | 5.41% |
| Macon - Bibb County 15 Year Fixed Rate | 2022-05-19 | 5.18% |
| Macon - Bibb County 15 Year Fixed Rate Refi | 2022-05-19 | 4.55% |
| Macon - Bibb County 30 Year FHA | 2022-05-19 | 5.55% |
| Macon - Bibb County 30 Year FHA Refi | 2022-05-19 | 5.34% |
| Macon - Bibb County 30 Year USDA | 2022-05-19 | 5.48% |
| Macon - Bibb County 30 Year USDA Refi | 2022-05-19 | 5.37% |
| Macon - Bibb County 30 Year VA | 2022-05-19 | 5.35% |
| Macon - Bibb County 30 Year VA Refi | 2022-05-19 | 4.95% |
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.).
MACON-BIBB COUNTY, GA's 202 lenders originated 6,408
loans during 2021. The total origination value was $1,359,260,000, with an average loan value of
$212,119.
The top MACON - BIBB COUNTY lender as defined by loan originations is QUICKEN LOANS, LLC, with
273 loans originated. Their average total fees are
$4,563, which is $30
higher than the next largest lender,
First Federal Bank.
The lowest fee MACON - BIBB COUNTY lenders (with over 10 loans originated) are
HOMESTAR FINANCIAL CORPORATION ($2,794), Bank of America ($2,844), CALIBER HOME LOANS, INC. ($2,953), ROBINS FINANCIAL ($3,049) and Colony Bank ($3,122).
The lowest rate MACON - BIBB COUNTY lenders (with over 10 loans originated) are
Bank of America (2.60%), GMFS LLC (2.86%), BETTER MORTGAGE CORPORATION (2.91%), AMERISAVE MORTGAGE CORPORATION (2.98%) and SUCCESS MORTGAGE PARTNERS, INC. (2.98%).
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 | 2020 Loan Value | 2021 Loan Value | % Change | 2021 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $88,790,000 | $120,175,000 | 35.3% | 8.8% |
| Renasant Bank | $79,290,000 | $78,035,000 | -1.6% | 5.7% |
| First Federal Bank | $67,005,000 | $74,650,000 | 11.4% | 5.5% |
| ROBINS FINANCIAL | $77,815,000 | $63,075,000 | -18.9% | 4.6% |
| UNITED WHOLESALE MORTGAGE, LLC | $24,370,000 | $37,795,000 | 55.1% | 2.8% |
| GMFS LLC | $31,460,000 | $31,290,000 | -0.5% | 2.3% |
| GREYSTONE SERVICING COMPANY LLC | $30,705,000 | n/a | 2.3% | |
| FREEDOM MORTGAGE CORPORATION | $21,190,000 | $28,730,000 | 35.6% | 2.1% |
| Mortgage Research Center, LLC | $15,200,000 | $26,730,000 | 75.9% | 2.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $9,855,000 | $26,715,000 | 171.1% | 2.0% |
| KeyBank | $11,625,000 | $26,670,000 | 129.4% | 2.0% |
| Truist Bank | $26,070,000 | $25,320,000 | -2.9% | 1.9% |
| BROKER SOLUTIONS, INC. | $20,790,000 | $25,285,000 | 21.6% | 1.9% |
| Ameris Bank | $18,605,000 | $25,030,000 | 34.5% | 1.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $21,115,000 | $24,925,000 | 18.0% | 1.8% |
| Morris Bank | $12,920,000 | $24,585,000 | 90.3% | 1.8% |
| South State Bank | $255,000 | $23,500,000 | 9,115.7% | 1.7% |
| Wells Fargo Bank | $33,850,000 | $23,150,000 | -31.6% | 1.7% |
| LOANDEPOT.COM, LLC | $14,205,000 | $22,345,000 | 57.3% | 1.6% |
| Synovus Bank | $47,235,000 | $22,285,000 | -52.8% | 1.6% |
| Colony Bank | $26,295,000 | $20,660,000 | -21.4% | 1.5% |
| GUILD MORTGAGE COMPANY | $20,340,000 | $20,540,000 | 1.0% | 1.5% |
| HOMESTAR FINANCIAL CORPORATION | $12,135,000 | $18,185,000 | 49.9% | 1.3% |
| PENNYMAC LOAN SERVICES, LLC | $6,545,000 | $17,960,000 | 174.4% | 1.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $10,640,000 | $15,625,000 | 46.9% | 1.1% |
| Arbor Realty Trust, Inc. | $1,605,000 | $15,310,000 | 853.9% | 1.1% |
| United Bank | $12,865,000 | $15,300,000 | 18.9% | 1.1% |
| SunMark Community Bank | $3,275,000 | $14,890,000 | 354.7% | 1.1% |
| INSPIRE HOME LOANS INC. | $5,270,000 | $13,155,000 | 149.6% | 1.0% |
| Capital City Bank | $12,535,000 | $12,125,000 | -3.3% | 0.9% |
| Capital City Home Loans, LLC | $9,950,000 | $11,320,000 | 13.8% | 0.8% |
| AMERISAVE MORTGAGE CORPORATION | $6,665,000 | $10,995,000 | 65.0% | 0.8% |
| Cadence Bank, N.A. | $7,495,000 | $10,915,000 | 45.6% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $12,305,000 | $10,410,000 | -15.4% | 0.8% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $4,495,000 | $10,315,000 | 129.5% | 0.8% |
| Bank of America | $9,500,000 | $10,195,000 | 7.3% | 0.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $4,510,000 | $9,855,000 | 118.5% | 0.7% |
| GUARANTY HOME MORTGAGE CORPORATION | $3,750,000 | $9,810,000 | 161.6% | 0.7% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $6,065,000 | $8,860,000 | 46.1% | 0.7% |
| USAA Federal Savings Bank | $9,490,000 | $8,080,000 | -14.9% | 0.6% |
| Exchange Bank | $11,730,000 | $7,955,000 | -32.2% | 0.6% |
| ORIX REAL ESTATE CAPITAL, LLC | $18,675,000 | $7,655,000 | -59.0% | 0.6% |
| SUCCESS MORTGAGE PARTNERS, INC. | $3,470,000 | $7,620,000 | 119.6% | 0.6% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $1,475,000 | $7,555,000 | 412.2% | 0.6% |
| COREVEST AMERICAN FINANCE LENDER LLC | $7,005,000 | n/a | 0.5% | |
| Carrington Mortgage Services, LLC | $6,850,000 | $6,910,000 | 0.9% | 0.5% |
| BETTER MORTGAGE CORPORATION | $4,835,000 | $6,790,000 | 40.4% | 0.5% |
| CALIBER HOME LOANS, INC. | $4,970,000 | $6,685,000 | 34.5% | 0.5% |
| NEWREZ LLC | $6,740,000 | $6,425,000 | -4.7% | 0.5% |
| HOME POINT FINANCIAL CORPORATION | $6,990,000 | $6,355,000 | -9.1% | 0.5% |
| CREDIT UNION FINANCIAL SERVICES, LLC | $5,685,000 | $5,620,000 | -1.1% | 0.4% |
| JPMorgan Chase Bank | $3,640,000 | $5,300,000 | 45.6% | 0.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | $5,205,000 | $5,280,000 | 1.4% | 0.4% |
| ServisFirst Bank | $5,100,000 | n/a | 0.4% | |
| BANKSOUTH MORTGAGE COMPANY, LLC | $1,765,000 | $4,445,000 | 151.8% | 0.3% |
| Regions Bank | $2,445,000 | $4,440,000 | 81.6% | 0.3% |
| LIMA ONE CAPITAL, LLC | $510,000 | $4,265,000 | 736.3% | 0.3% |
| LAKEVIEW LOAN SERVICING, LLC | $1,735,000 | $4,250,000 | 145.0% | 0.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | $195,000 | $4,050,000 | 1,976.9% | 0.3% |
| 21ST MORTGAGE CORPORATION | $3,055,000 | $3,880,000 | 27.0% | 0.3% |
| CRESCENT MORTGAGE COMPANY | $4,505,000 | $3,830,000 | -15.0% | 0.3% |
| NEW DAY FINANCIAL, LLC | $4,605,000 | $3,780,000 | -17.9% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,170,000 | $3,740,000 | 219.7% | 0.3% |
| The First, A National Banking Association | $3,605,000 | n/a | 0.3% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $905,000 | $3,575,000 | 295.0% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,620,000 | $3,420,000 | 30.5% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,165,000 | $3,390,000 | 56.6% | 0.2% |
| FINANCE OF AMERICA COMMERCIAL LLC | $785,000 | $3,310,000 | 321.7% | 0.2% |
| First Guaranty Mortgage Corporation | $1,420,000 | $3,030,000 | 113.4% | 0.2% |
| ANGEL OAK HOME LOANS LLC | $1,825,000 | $2,930,000 | 60.5% | 0.2% |
| Flagstar Bank, FSB | $1,145,000 | $2,825,000 | 146.7% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $1,115,000 | $2,810,000 | 152.0% | 0.2% |
| PNC Bank | $915,000 | $2,795,000 | 205.5% | 0.2% |
| WALKER & DUNLOP, LLC | $32,605,000 | $2,755,000 | -91.6% | 0.2% |
| InterContinental Capital Group, Inc | $1,870,000 | $2,650,000 | 41.7% | 0.2% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | $2,040,000 | $2,650,000 | 29.9% | 0.2% |
| U.S. Bank | $2,195,000 | $2,595,000 | 18.2% | 0.2% |
| VAN DYK MORTGAGE CORPORATION | $1,910,000 | $2,590,000 | 35.6% | 0.2% |
| The Federal Savings Bank | $1,500,000 | $2,565,000 | 71.0% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $1,065,000 | $2,550,000 | 139.4% | 0.2% |
| GUARANTEED RATE, INC. | $1,125,000 | $2,500,000 | 122.2% | 0.2% |
| First Reliance Bank | $3,915,000 | $2,330,000 | -40.5% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,450,000 | $2,300,000 | 58.6% | 0.2% |
| First Option Mortgage, LLC | $330,000 | $2,245,000 | 580.3% | 0.2% |
| BancorpSouth Bank | $2,235,000 | n/a | 0.2% | |
| SOUTHPOINT FINANCIAL SERVICES, INC. | $4,245,000 | $2,185,000 | -48.5% | 0.2% |
| ISERVE RESIDENTIAL LENDING, LLC | $625,000 | $2,130,000 | 240.8% | 0.2% |
| THE MORTGAGE FIRM, INC. | $670,000 | $2,120,000 | 216.4% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $1,640,000 | $2,070,000 | 26.2% | 0.2% |
| MILEND, INC. | $1,310,000 | $2,060,000 | 57.3% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $1,800,000 | $2,030,000 | 12.8% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $2,140,000 | $1,995,000 | -6.8% | 0.1% |
| Bank OZK | $1,260,000 | $1,925,000 | 52.8% | 0.1% |
| AmeriHome Mortgage Company, LLC | $905,000 | $1,880,000 | 107.7% | 0.1% |
| Platinum Home Mortgage Corporation | $1,055,000 | $1,845,000 | 74.9% | 0.1% |
| The Peoples Bank of Georgia | $495,000 | $1,825,000 | 268.7% | 0.1% |
| Bank of England | $780,000 | $1,770,000 | 126.9% | 0.1% |
| DELTA COMMUNITY CREDIT UNION | $1,455,000 | $1,740,000 | 19.6% | 0.1% |
| Nations Lending Corporation | $1,185,000 | $1,725,000 | 45.6% | 0.1% |
| Prosperity Home Mortgage, LLC | $235,000 | $1,710,000 | 627.7% | 0.1% |
| AgFirst Farm Credit Bank | $2,695,000 | $1,705,000 | -36.7% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $805,000 | $1,680,000 | 108.7% | 0.1% |
| Magnolia Bank | $1,505,000 | $1,640,000 | 9.0% | 0.1% |
| Lakeview Community Capital, LLC | $1,130,000 | $1,620,000 | 43.4% | 0.1% |
| Equity Prime Mortgage LLC | $875,000 | $1,610,000 | 84.0% | 0.1% |
| ACOPIA, LLC | $790,000 | $1,605,000 | 103.2% | 0.1% |
| CLEARPATH LENDING | $2,640,000 | $1,540,000 | -41.7% | 0.1% |
| JET DIRECT FUNDING CORP | $360,000 | $1,530,000 | 325.0% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $980,000 | $1,445,000 | 47.4% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $1,020,000 | $1,430,000 | 40.2% | 0.1% |
| CERTAINTY HOME LOANS, LLC | $1,065,000 | $1,405,000 | 31.9% | 0.1% |
| AMERICAN FINANCING CORPORATION | $510,000 | $1,375,000 | 169.6% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $855,000 | $1,370,000 | 60.2% | 0.1% |
| Stifel Bank and Trust | $1,870,000 | $1,370,000 | -26.7% | 0.1% |
| SUMMIT FUNDING, INC. | $205,000 | $1,355,000 | 561.0% | 0.1% |
| AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. | $585,000 | $1,325,000 | 126.5% | 0.1% |
| Ally Bank | $990,000 | $1,310,000 | 32.3% | 0.1% |
| GEORGIA'S OWN | $1,065,000 | $1,305,000 | 22.5% | 0.1% |
| TOWNE MORTGAGE COMPANY | $2,500,000 | $1,285,000 | -48.6% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $905,000 | $1,265,000 | 39.8% | 0.1% |
| MORTGAGE INVESTORS GROUP, INC. | $6,770,000 | $1,260,000 | -81.4% | 0.1% |
| The Huntington National Bank | $1,305,000 | $1,195,000 | -8.4% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $450,000 | $1,145,000 | 154.4% | 0.1% |
| STOCKTON MORTGAGE CORPORATION | $1,310,000 | $1,085,000 | -17.2% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $220,000 | $1,080,000 | 390.9% | 0.1% |
| ATLANTA POSTAL | $2,435,000 | $1,070,000 | -56.1% | 0.1% |
| SHELTER HOME MORTGAGE, LLC | $315,000 | $1,070,000 | 239.7% | 0.1% |
| Mortgage Assurance Inc. | $480,000 | $1,060,000 | 120.8% | 0.1% |
| PLANTERS FIRST BANK | $1,605,000 | $1,060,000 | -34.0% | 0.1% |
| PANORAMA MORTGAGE GROUP, LLC | $1,565,000 | $1,055,000 | -32.6% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $350,000 | $1,050,000 | 200.0% | 0.1% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $1,010,000 | n/a | 0.1% | |
| United Community Bank | $1,100,000 | $995,000 | -9.5% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,800,000 | $985,000 | -45.3% | 0.1% |
| Magnolia State Bank | $825,000 | $970,000 | 17.6% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $415,000 | $960,000 | 131.3% | 0.1% |
| Georgia Community Bank | $1,035,000 | $955,000 | -7.7% | 0.1% |
| First Horizon Bank | $940,000 | n/a | 0.1% | |
| Bank of Dudley | $370,000 | $920,000 | 148.6% | 0.1% |
| Mid-Continent Funding, Inc. | $205,000 | $905,000 | 341.5% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $2,285,000 | $905,000 | -60.4% | 0.1% |
| EMM LOANS LLC | $1,585,000 | $895,000 | -43.5% | 0.1% |
| PHH Mortgage Corporation | $320,000 | $890,000 | 178.1% | 0.1% |
| Baxter Credit Union | $290,000 | $880,000 | 203.4% | 0.1% |
| RELIANCE FIRST CAPITAL, LLC | $880,000 | n/a | 0.1% | |
| HOMESPIRE MORTGAGE CORPORATION | $865,000 | n/a | 0.1% | |
| EVANSVILLE TEACHERS | $855,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $650,000 | $855,000 | 31.5% | 0.1% |
| KELLER MORTGAGE, LLC | $625,000 | $840,000 | 34.4% | 0.1% |
| RUOFF MORTGAGE COMPANY, INC. | $1,105,000 | $835,000 | -24.4% | 0.1% |
| Morgan Stanley Private Bank | $825,000 | n/a | 0.1% | |
| STEARNS LENDING, LLC | $900,000 | $825,000 | -8.3% | 0.1% |
| PREMIA MORTGAGE, LLC | $255,000 | $820,000 | 221.6% | 0.1% |
| NBKC BANK | $565,000 | $795,000 | 40.7% | 0.1% |
| SWBC MORTGAGE CORPORATION | $155,000 | $785,000 | 406.5% | 0.1% |
| First National Bank of Griffin | $620,000 | $775,000 | 25.0% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $430,000 | $755,000 | 75.6% | 0.1% |
| FBC MORTGAGE, LLC | $415,000 | $755,000 | 81.9% | 0.1% |
| TJC Mortgage, Inc. | $330,000 | $730,000 | 121.2% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $445,000 | $725,000 | 62.9% | 0.1% |
| AMWEST FUNDING CORP. | $655,000 | $720,000 | 9.9% | 0.1% |
| Fifth Third Bank | $890,000 | $710,000 | -20.2% | 0.1% |
| INTERLINC MORTGAGE SERVICES, LLC | $450,000 | $705,000 | 56.7% | 0.1% |
| CIVIC FINANCIAL SERVICES, LLC | $700,000 | n/a | 0.1% | |
| FINANCE OF AMERICA MORTGAGE LLC | $235,000 | $700,000 | 197.9% | 0.1% |
| Assurance Financial Group, L.L.C. | $360,000 | $695,000 | 93.1% | 0.1% |
| Colten Mortgage, LLC | $280,000 | $695,000 | 148.2% | 0.1% |
| Third Federal Savings and Loan Association of Cleveland | $210,000 | $670,000 | 219.0% | 0.0% |
| Figure Lending LLC | $225,000 | $660,000 | 193.3% | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $450,000 | $650,000 | 44.4% | 0.0% |
| Northpointe Bank | $1,230,000 | $615,000 | -50.0% | 0.0% |
| MORTGAGE ACCESS CORP. | $610,000 | n/a | 0.0% | |
| CapStar Bank | $275,000 | $605,000 | 120.0% | 0.0% |
| CMG MORTGAGE, INC. | $735,000 | $605,000 | -17.7% | 0.0% |
| BAY EQUITY LLC | $390,000 | $600,000 | 53.8% | 0.0% |
| EVERETT FINANCIAL, INC. | $1,440,000 | $595,000 | -58.7% | 0.0% |
| Low VA Rates, LLC | $825,000 | $590,000 | -28.5% | 0.0% |
| Gulf Coast Bank and Trust Company | $580,000 | n/a | 0.0% | |
| Citizens Bank | $485,000 | $575,000 | 18.6% | 0.0% |
| Evolve Bank & Trust | $1,290,000 | $570,000 | -55.8% | 0.0% |
| BNC National Bank | $560,000 | n/a | 0.0% | |
| FLAT BRANCH MORTGAGE, INC. | $560,000 | n/a | 0.0% | |
| GEORGIA UNITED | $270,000 | $545,000 | 101.9% | 0.0% |
| Valley National Bank | $545,000 | n/a | 0.0% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $500,000 | $540,000 | 8.0% | 0.0% |
| EMBRACE HOME LOANS, INC. | $545,000 | $530,000 | -2.8% | 0.0% |
| GENISYS | $530,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $525,000 | n/a | 0.0% | |
| NP, Inc. | $665,000 | $520,000 | -21.8% | 0.0% |
| PLANET HOME LENDING, LLC | $1,600,000 | $495,000 | -69.1% | 0.0% |
| SOVEREIGN LENDING GROUP INCORPORATED | $440,000 | $490,000 | 11.4% | 0.0% |
| TC FEDERAL BANK | $490,000 | n/a | 0.0% | |
| OCMBC, INC. | $480,000 | n/a | 0.0% | |
| COMMUNITYAMERICA | $475,000 | n/a | 0.0% | |
| MEGASTAR FINANCIAL CORP. | $475,000 | n/a | 0.0% | |
| Prime Choice Funding Inc. | $475,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $310,000 | $470,000 | 51.6% | 0.0% |
| NMSI, INC. | $470,000 | n/a | 0.0% | |
| LIBERTY HOME MORTGAGE CORPORATION | $290,000 | $465,000 | 60.3% | 0.0% |
| FirstBank | $440,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $430,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $580,000 | $430,000 | -25.9% | 0.0% |
| Trustmark National Bank | $430,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $185,000 | $420,000 | 127.0% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $525,000 | $420,000 | -20.0% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $795,000 | $415,000 | -47.8% | 0.0% |
| First American Bank and Trust Company | $410,000 | n/a | 0.0% | |
| Chicago Mortgage Solutions LLC | $400,000 | n/a | 0.0% | |
| First Mortgage Solutions, LLC | $350,000 | $395,000 | 12.9% | 0.0% |
| CityWorth Mortgage LLC | $175,000 | $390,000 | 122.9% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $370,000 | n/a | 0.0% | |
| Gateway First Bank | $125,000 | $370,000 | 196.0% | 0.0% |
| Thomasville National Bank | $365,000 | n/a | 0.0% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $145,000 | $345,000 | 137.9% | 0.0% |
| CITIZENS EQUITY FIRST | $55,000 | $345,000 | 527.3% | 0.0% |
| Tyndall Federal Credit Union | $345,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $925,000 | $340,000 | -63.2% | 0.0% |
| SIGNATURE MORTGAGE CORPORATION | $340,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $340,000 | n/a | 0.0% | |
| WINGS FINANCIAL | $335,000 | n/a | 0.0% | |
| Manufacturers and Traders Trust Company | $255,000 | $330,000 | 29.4% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $325,000 | $325,000 | 0.0% | 0.0% |
| SOFI LENDING CORP. | $320,000 | n/a | 0.0% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $125,000 | $320,000 | 156.0% | 0.0% |
| Arvest Bank | $125,000 | $315,000 | 152.0% | 0.0% |
| DUPACO COMMUNITY | $315,000 | n/a | 0.0% | |
| LENDUS, LLC | $825,000 | $315,000 | -61.8% | 0.0% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $310,000 | n/a | 0.0% | |
| American Security Mortgage Corp. | $305,000 | n/a | 0.0% | |
| NTFN, INC. | $305,000 | n/a | 0.0% | |
| AMERICAN ADVISORS GROUP | $550,000 | $300,000 | -45.5% | 0.0% |
| Oconee State Bank | $105,000 | $300,000 | 185.7% | 0.0% |
| First Home Bank | $640,000 | $285,000 | -55.5% | 0.0% |
| INTERCOASTAL MORTGAGE COMPANY | $285,000 | n/a | 0.0% | |
| Citibank | $10,065,000 | $275,000 | -97.3% | 0.0% |
| KS StateBank | $560,000 | $275,000 | -50.9% | 0.0% |
| LGE COMMUNITY | $270,000 | n/a | 0.0% | |
| First National Bank of Pennsylvania | $445,000 | $265,000 | -40.4% | 0.0% |
| Queensborough National Bank & Trust Company | $190,000 | $265,000 | 39.5% | 0.0% |
| MORIA DEVELOPMENT, INC. | $125,000 | $260,000 | 108.0% | 0.0% |
| PLAZA HOME MORTGAGE, INC. | $310,000 | $260,000 | -16.1% | 0.0% |
| Ixonia Bank | $255,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $245,000 | n/a | 0.0% | |
| First Savings Bank | $315,000 | $245,000 | -22.2% | 0.0% |
| Florida Capital Bank | $775,000 | $245,000 | -68.4% | 0.0% |
| LOANPAL, LLC | $240,000 | n/a | 0.0% | |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $235,000 | n/a | 0.0% | |
| BMO Harris Bank | $235,000 | n/a | 0.0% | |
| RADIUS FINANCIAL GROUP INC. | $260,000 | $235,000 | -9.6% | 0.0% |
| 1st Franklin Financial Corporation | $50,000 | $225,000 | 350.0% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $225,000 | n/a | 0.0% | |
| CELEBRITY HOME LOANS, LLC | $215,000 | n/a | 0.0% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $215,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $215,000 | n/a | 0.0% | |
| QUANTUM NATIONAL BANK | $215,000 | n/a | 0.0% | |
| Triumph Bank | $205,000 | n/a | 0.0% | |
| Blue Ridge Bank | $790,000 | $195,000 | -75.3% | 0.0% |
| Discover Bank | $545,000 | $195,000 | -64.2% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $195,000 | n/a | 0.0% | |
| LENDERFI, INC. | $185,000 | n/a | 0.0% | |
| MAX Credit Union | $185,000 | n/a | 0.0% | |
| POLARIS HOME FUNDING CORP. | $490,000 | $185,000 | -62.2% | 0.0% |
| SIRVA MORTGAGE, INC. | $370,000 | $185,000 | -50.0% | 0.0% |
| UNIVERSITY LENDING GROUP, LLC | $185,000 | n/a | 0.0% | |
| Network Funding, L.P. | $345,000 | $175,000 | -49.3% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $175,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $165,000 | n/a | 0.0% | |
| Goldwater Bank, N.A. | $420,000 | $165,000 | -60.7% | 0.0% |
| Mortgage Network, Inc. | $145,000 | $165,000 | 13.8% | 0.0% |
| Paramount Bank | $165,000 | n/a | 0.0% | |
| Alcova Mortgage LLC | $135,000 | $155,000 | 14.8% | 0.0% |
| Colonial Savings, F.A. | $155,000 | n/a | 0.0% | |
| East Coast Capital Corp. | $155,000 | n/a | 0.0% | |
| FIRST COMMERCE CREDIT UNION | $155,000 | n/a | 0.0% | |
| Home Federal Savings Bank | $155,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $155,000 | n/a | 0.0% | |
| UNITED SECURITY FINANCIAL CORP | $155,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $70,000 | $150,000 | 114.3% | 0.0% |
| BOKF | $145,000 | n/a | 0.0% | |
| GoPrime Mortgage, Inc. | $475,000 | $145,000 | -69.5% | 0.0% |
| GUARANTY MORTGAGE SERVICES, L.L.C. | $145,000 | n/a | 0.0% | |
| Guardian Bank | $145,000 | n/a | 0.0% | |
| INTERCAP LENDING INC. | $145,000 | n/a | 0.0% | |
| RESIDENTIAL HOME FUNDING CORP. | $145,000 | n/a | 0.0% | |
| BECKAM FUNDING CORP. | $135,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $515,000 | $135,000 | -73.8% | 0.0% |
| Peoples Bank | $135,000 | n/a | 0.0% | |
| UNITED PREMIER FUNDING, LLC | $135,000 | n/a | 0.0% | |
| Atlantic Union Bank | $125,000 | n/a | 0.0% | |
| AUGUSTA MORTGAGE CO. | $115,000 | $125,000 | 8.7% | 0.0% |
| CANOPY MORTGAGE, LLC | $125,000 | n/a | 0.0% | |
| IMPAC MORTGAGE CORP. | $125,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $125,000 | n/a | 0.0% | |
| CDC Federal Credit Union | $145,000 | $115,000 | -20.7% | 0.0% |
| Chain Bridge Bank | $115,000 | n/a | 0.0% | |
| GEO-CORP, INC. | $115,000 | n/a | 0.0% | |
| STATE EMPLOYEES' | $115,000 | n/a | 0.0% | |
| Credence Funding Corporation | $135,000 | $105,000 | -22.2% | 0.0% |
| Victorian Finance, LLC | $105,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $95,000 | n/a | 0.0% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $95,000 | n/a | 0.0% | |
| ALLEGACY FEDERAL CREDIT UNION | $85,000 | n/a | 0.0% | |
| ARC HOME LLC | $85,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $145,000 | $85,000 | -41.4% | 0.0% |
| OPEN MORTGAGE, LLC | $85,000 | n/a | 0.0% | |
| PeoplesSouth Bank | $195,000 | $85,000 | -56.4% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $75,000 | n/a | 0.0% | |
| Envision Credit Union | $75,000 | n/a | 0.0% | |
| East West Bank | $65,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $55,000 | n/a | 0.0% | |
| First Jackson Bank, Inc. | $55,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $195,000 | $45,000 | -76.9% | 0.0% |
| DIGITAL Federal Credit Union | $75,000 | $35,000 | -53.3% | 0.0% |
| MidFirst Bank | $35,000 | n/a | 0.0% |
MACON - BIBB COUNTY's top lender by overall market share is QUICKEN LOANS, LLC, with 8.8% market share. In second place, with 5.7%, is Renasant Bank, having originated $78,035,000 in loans. In third place, with 5.5%, is First Federal Bank, having originated $74,650,000 in loans. In third place, with 4.6%, is ROBINS FINANCIAL, having originated $63,075,000 in loans. In third place, with 2.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $37,795,000 in loans.
MACON-BIBB COUNTY, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 3,049 | $684,995,000 | $224,662 |
| Refi | 1,996 | $452,870,000 | $226,889 |
| Cash Out Refi | 957 | $180,445,000 | $188,553 |
| Home Improvement | 220 | $16,960,000 | $77,091 |
| Other | 184 | $16,440,000 | $89,348 |
| NA | 2 | $7,550,000 | $3,775,000 |
Macon - Bibb County's most frequently cited loan purpose was Home Purchase, with 3,049 originations. The 2nd most popular reason was Refi, with 1,996 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 3-4% | 2,376 | $509,630,000 | $214,491 |
| 2.5-3% | 2,163 | $461,455,000 | $213,340 |
| <2.5% | 1,077 | $246,785,000 | $229,141 |
| 4-5% | 276 | $38,950,000 | $141,123 |
| Over 8% | 130 | $12,180,000 | $93,692 |
| 5-6% | 70 | $15,830,000 | $226,143 |
| 6-7% | 50 | $7,300,000 | $146,000 |
| 7-8% | 25 | $3,395,000 | $135,800 |
During 2021, Macon - Bibb County's most frequently originated rate bucket was 3-4%, with 2,376 originations.
Loan Sizing (MACON-BIBB COUNTY, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 2,880 | $428,510,000 | $148,788 |
| $200k-400k | 1,837 | $497,275,000 | $270,700 |
| $100,000 or less | 1,324 | $83,700,000 | $63,218 |
| $400k-600k | 283 | $135,175,000 | $477,650 |
| $600k-1000k | 48 | $33,990,000 | $708,125 |
| $Over $1MM | 36 | $180,610,000 | $5,016,944 |
MACON - BIBB COUNTY's loan sizing saw the bucket of loans from $100k-200k with 2,880 originations, totaling $428,510,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 2,981 | $617,445,000 | $207,127 |
| 60-80% | 1,818 | $460,430,000 | $253,262 |
| 40-60% | 576 | $99,560,000 | $172,847 |
| 20-40% | 251 | $30,115,000 | $119,980 |
| Under 20% | 224 | $7,860,000 | $35,089 |
| Over 100% | 105 | $41,705,000 | $397,190 |
MACON - BIBB COUNTY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 2,981 originations, totaling $617,445,000 in origination value.
