MACON - BIBB COUNTY Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Macon - Bibb County averaged 6.97% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

The average rate for the prior week (2025-06-26) was 7.07% and one month ago for the week of 2025-05-29, the average rate was 6.89%.

Macon - Bibb County's average rate one year ago was 6.96%.

For refis of the same type during the week of 2025-07-03, the average rate was 7.36%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-07-03 6.67%
Macon - Bibb County 30 Year Fixed Rate 2025-07-03 6.97%
Macon - Bibb County 30 Year Fixed Rate Refi 2025-07-03 7.36%
Macon - Bibb County 15 Year Fixed Rate 2025-07-03 6%
Macon - Bibb County 15 Year Fixed Rate Refi 2025-07-03 5.9%
Macon - Bibb County 30 Year FHA 2025-07-03 -0.19%
Macon - Bibb County 30 Year FHA Refi 2025-07-03 -0.2%
Macon - Bibb County 30 Year USDA 2025-07-03 0.2%
Macon - Bibb County 30 Year USDA Refi 2025-07-03 0.1%
Macon - Bibb County 30 Year VA 2025-07-03 0.04%
Macon - Bibb County 30 Year VA Refi 2025-07-03 -0.38%
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 lender, 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 133 6.82% $6,538
EMM LOANS LLC 78 6.83% $6,510
UNITED WHOLESALE MORTGAGE, LLC 66 6.76% $7,212
ROBINS FINANCIAL 43 6.07% $3,807
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 31 6.77% $6,877
GMFS LLC 25 6.61% $4,747
Flagstar Bank, FSB 21 7.08% $4,705
Renasant Bank 20 6.82% $6,040
Colony Bank 19 6.66% $7,297
United Bank 18 6.87% $5,876
BROKER SOLUTIONS, INC. 18 6.86% $6,160
BancorpSouth 17 6.68% $7,076
Wells Fargo Bank 17 6.40% $4,972
GUILD MORTGAGE COMPANY 17 6.71% $7,127
FIRST COLONY MORTGAGE CORPORATION 17 6.85% $5,046
Ameris Bank 16 6.85% $5,754
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 15 6.89% $5,634
JPMorgan Chase Bank 15 6.66% $3,950
NAVY FEDERAL CREDIT UNION 15 6.73% $4,308
Synovus Bank 14 6.53% $4,537
INSPIRE HOME LOANS INC. 14 6.35% $4,575
Mr. Cooper ( Nationstar Mortgage ) 13 7.29% $5,376
Truist 11 6.78% $5,461
CANOPY MORTGAGE, LLC 11 6.86% $8,232
SOUTHEAST MORTGAGE OF GEORGIA, INC. 9 6.43% $5,091
CREDIT UNION FINANCIAL SERVICES, LLC 9 6.21% $6,643
Bank of America 9 6.00% $4,445
FIRST COMMUNITY MORTGAGE, INC. 8 6.42% $5,117
PRIMELENDING, A PLAINSCAPITAL COMPANY 8 6.81% $7,529
VANDERBILT MORTGAGE AND FINANCE, INC. 8 6.95% $6,694
UNION HOME MORTGAGE CORP. 7 6.91% $9,511
ZILLOW HOME LOANS, LLC 7 6.75% $5,038
GUARANTEED RATE, INC. 7 7.34% $5,213
Capital City Home Loans, LLC 6 7.25% $4,589
CROSSCOUNTRY MORTGAGE, LLC 6 6.87% $6,468
PENNYMAC LOAN SERVICES, LLC 6 6.52% $7,975
MUTUAL OF OMAHA MORTGAGE, INC. 5 6.80% $7,114
LOANDEPOT.COM, LLC 5 6.62% $8,096
Alcova Mortgage LLC 5 6.62% $4,204
MILEND, INC. 5 6.42% $9,339
Mortgage Research Center, LLC 5 6.75% $5,098
21ST MORTGAGE CORPORATION 4 8.29% $6,727
PHH Mortgage Corporation 4 7.31% $6,466
PLAZA HOME MORTGAGE, INC. 4 7.00% $11,931
BETTER MORTGAGE CORPORATION 4 6.38% $4,010
DELTA COMMUNITY CREDIT UNION 4 6.00% $4,556
HOMESIDE FINANCIAL, LLC 4 7.31% $5,585
MOVEMENT MORTGAGE, LLC 4 6.40% $6,660
Carrington Mortgage Services, LLC 3 6.29% $5,062
Regions Bank 3 6.96% $8,145
CMG MORTGAGE, INC. 3 6.71% $5,897
ROYAL UNITED MORTGAGE LLC 3 7.42% $4,859
Prosperity Home Mortgage, LLC 3 6.71% $6,066
US MORTGAGE CORPORATION 3 7.66% $10,228
USAA Federal Savings Bank 3 6.71% $6,730
PNC Bank 3 6.42% $4,753
EVERETT FINANCIAL, INC. 3 6.88% $9,154
Paramount Residential Mortgage Group, Inc. 3 6.70% $4,872
NEWREZ LLC 3 6.62% $6,253
First Federal Bank 3 6.63% $3,921
Century Mortgage Company DBA Century Lending Company 3 7.25% $12,199
PROVIDENT FUNDING ASSOCIATES, L.P. 2 6.75% $10,400
AgFirst Farm Credit Bank 2 6.94% $7,498
ALLIANT CREDIT UNION 2 6.19% $4,675
AMERICAN FINANCIAL NETWORK, INC. 2 7.19% $9,179
AMERICAN FINANCING CORPORATION 2 7.13% $5,250
AmeriHome Mortgage Company, LLC 2 6.88% $6,751
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 8.44% $10,943
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 7.06% $3,279
Associated Credit Union 2 5.94% $3,400
CALCON MUTUAL MORTGAGE LLC 2 6.63% $8,056
DAS Acquisition Company, LLC 2 6.56% $3,332
First National Bank of America 2 10.00% $11,793
First National Bank of Pennsylvania 2 6.69% $6,205
HOMESPIRE MORTGAGE CORPORATION 2 6.75% $8,034
ITHINK FINANCIAL Credit Union 2 7.25% $4,805
LIBERTY HOME MORTGAGE CORPORATION 2 7.94% $7,818
Magnolia Bank 2 6.12% $7,419
Metro City Bank 2 7.13% $4,743
Morgan Stanley Private Bank 2 6.20% $3,745
Mortgage Assurance Inc. 2 7.38% $7,353
NexBank 2 6.94% $4,375
Northpointe Bank 2 7.00% $4,891
PREMIA MORTGAGE, LLC 2 6.50% $357
Presidential Bank, FSB 2 6.93% $6,006
SECURITYNATIONAL MORTGAGE COMPANY 2 6.68% $14,170
SIRVA MORTGAGE, INC. 2 7.19% $260
Stifel Bank and Trust 2 6.19% $3,545
The Loan Store, Inc. 2 6.93% $3,058
U.S. Bank 2 6.50% $4,662
MORTGAGE ACCESS CORP. 1 6.63% $6,209
Atlantic Union Bank 1 6.13% $5,035
GEORGIA'S OWN 1 6.50% $3,166
GENEVA FINANCIAL, LLC 1 7.38% $3,849
FUNDLOANS CAPITAL 1 7.25% $15,396
FREEDOM MORTGAGE CORPORATION 1 6.75% $4,722
MY MORTGAGE, INC. 1 6.99% $4,101
FirstTrust Home Loans, Inc. 1 7.99% $4,087
First-Citizens Bank & Trust Company 1 6.63% $5,087
United Community Bank 1 7.63% $4,341
Assurance Financial Group, L.L.C. 1 7.63% $5,614
NP, Inc. 1 7.50% $16,511
OCMBC, INC. 1 7.13% $37,456
Fifth Third Bank 1 6.25% $3,875
EQUITY RESOURCES, INC. 1 6.63% $3,525
PENTAGON FEDERAL CREDIT UNION 1 7.13% $5,285
Equity Prime Mortgage LLC 1 7.38% $5,974
Plains Commerce Bank 1 6.63% $18,234
ENVOY MORTGAGE, LTD 1 7.50% $4,588
ENDEAVOR CAPITAL, LLC. 1 6.63% $5,165
Armed Forces Bank 1 5.63% $16,174
ACOPIA, LLC 1 6.88% $7,330
Discover Bank 1 6.58% $0
COMMUNITY FIRST CREDIT UNION OF FLO 1 6.50% $3,049
Commerce Home Mortgage, Inc. 1 7.63% $11,131
Queensborough National Bank & Trust Company 1 5.88% $4,850
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.63% $5,551
Raymond James Bank 1 4.88% $4,219
RBC Bank, (Georgia) 1 5.75% $2,619
Citizens Bank 1 6.88% $7,282
CHURCHILL MORTGAGE CORPORATION 1 6.63% $8,052
RESOURCE FINANCIAL SERVICES, INC. 1 7.50% $3,542
CHARLOTTE METRO FEDERAL CREDIT UNION 1 6.38% $4,396
BMO Harris Bank 1 7.25% $5,182
ARC HOME LLC 1 6.88% $5,505
Service Federal Credit Union 1 6.25% $2,917
AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.88% $4,149
BAYSHORE MORTGAGE FUNDING, LLC 1 6.63% $4,023
South State Bank 1 7.25% $5,242
VYSTAR 1 7.50% $1,927
STOCKTON MORTGAGE CORPORATION 1 6.50% $7,910
SUCCESS MORTGAGE PARTNERS, INC. 1 6.75% $8,345
Suncoast Credit Union 1 5.00% $2,006
SWBC MORTGAGE CORPORATION 1 6.13% $4,320
BAY EQUITY LLC 1 6.38% $4,331
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 7.13% $8,372
Ally Bank 1 7.13% $2,149
HOMEXPRESS MORTGAGE CORP. 1 7.88% $14,844
IAA Credit Union 1 6.38% $4,890
GUARANTEED RATE AFFINITY, LLC 1 6.63% $4,176
TOTAL MORTGAGE SERVICES, LLC 1 7.50% $6,025
Goldwater Bank, N.A. 1 7.63% $7,691
JUSTICE Federal Credit Union 1 6.00% $3,211
LENDSURE MORTGAGE CORP. 1 7.88% $9,309
TOWNE MORTGAGE COMPANY 1 6.99% $10,694
Goldman Sachs Bank USA 1 6.55% $5,261
Barrington Bank & Trust Company, N.A. 1 6.50% $5,121
MEMBER FIRST MORTGAGE, LLC 1 6.38% $4,396
UIF CORPORATION 1 6.99% $4,909
GEORGIA UNITED 1 7.00% $3,421
BANKSOUTH MORTGAGE COMPANY, LLC 1 8.13% $5,263

MACON - BIBB COUNTY Average Closing Costs & Other Stats

MACON-BIBB COUNTY, GA's 151 lenders originated 3,963 loans during 2024. The total origination value was $898,665,000, with an average loan value of $226,764.

MACON - BIBB COUNTY's average closing costs are $5,663.

The top MACON - BIBB COUNTY lender as defined by loan originations is QUICKEN LOANS, LLC, with 133 loans originated. Their average total fees are $6,538, which is $29 higher than the next largest lender, EMM LOANS LLC.

The lowest fee MACON - BIBB COUNTY lenders (with over 10 loans originated) are ROBINS FINANCIAL ($3,807), JPMorgan Chase Bank ($3,950), NAVY FEDERAL CREDIT UNION ($4,308), Synovus Bank ($4,537) and INSPIRE HOME LOANS INC. ($4,575).

The lowest rate MACON - BIBB COUNTY lenders (with over 10 loans originated) are ROBINS FINANCIAL (6.07%), INSPIRE HOME LOANS INC. (6.35%), Wells Fargo Bank (6.40%), Synovus Bank (6.53%) and GMFS LLC (6.61%).

MACON-BIBB COUNTY, GA Mortgage 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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
QUICKEN LOANS, LLC $55,075,000 $66,955,000 21.6% 7.5%
UNITED WHOLESALE MORTGAGE, LLC $38,705,000 $50,660,000 30.9% 5.6%
ROBINS FINANCIAL $57,900,000 $30,795,000 -46.8% 3.4%
Renasant Bank $18,615,000 $29,930,000 60.8% 3.3%
EMM LOANS LLC $6,515,000 $28,625,000 339.4% 3.2%
GREYSTONE SERVICING COMPANY LLC $15,915,000 $27,590,000 73.4% 3.1%
Arbor Realty Trust, Inc. $8,035,000 $25,990,000 223.5% 2.9%
Mortgage Research Center, LLC $15,940,000 $22,610,000 41.8% 2.5%
INSPIRE HOME LOANS INC. $8,200,000 $20,970,000 155.7% 2.3%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $21,675,000 $19,890,000 -8.2% 2.2%
BancorpSouth $17,110,000 $19,325,000 12.9% 2.2%
GUILD MORTGAGE COMPANY $9,595,000 $19,060,000 98.6% 2.1%
BROKER SOLUTIONS, INC. $20,610,000 $17,215,000 -16.5% 1.9%
CANOPY MORTGAGE, LLC $4,855,000 $15,245,000 214.0% 1.7%
FBC MORTGAGE, LLC $9,155,000 $15,240,000 66.5% 1.7%
Synovus Bank $12,405,000 $14,790,000 19.2% 1.6%
United Bank $13,570,000 $13,000,000 -4.2% 1.4%
NAVY FEDERAL CREDIT UNION $9,200,000 $11,935,000 29.7% 1.3%
Truist $9,400,000 $11,405,000 21.3% 1.3%
Ameris Bank $15,045,000 $11,030,000 -26.7% 1.2%
Colony Bank $13,625,000 $10,865,000 -20.3% 1.2%
CROSSCOUNTRY MORTGAGE, LLC $6,875,000 $10,830,000 57.5% 1.2%
FREEDOM MORTGAGE CORPORATION $4,035,000 $10,470,000 159.5% 1.2%
GMFS LLC $11,330,000 $9,320,000 -17.7% 1.0%
Flagstar Bank, FSB $3,735,000 $8,625,000 130.9% 1.0%
PENNYMAC LOAN SERVICES, LLC $4,090,000 $7,995,000 95.5% 0.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $13,120,000 $7,670,000 -41.5% 0.9%
Wells Fargo Bank $4,760,000 $7,405,000 55.6% 0.8%
BERKELEY POINT CAPITAL LLC $7,165,000 n/a 0.8%
FIRST COLONY MORTGAGE CORPORATION $975,000 $7,095,000 627.7% 0.8%
LENDINGHOME FUNDING CORPORATION $2,495,000 $7,020,000 181.4% 0.8%
LIMA ONE CAPITAL, LLC $4,665,000 $6,715,000 43.9% 0.7%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $1,800,000 $6,640,000 268.9% 0.7%
Bank of Early $3,005,000 $6,570,000 118.6% 0.7%
LOANDEPOT.COM, LLC $4,270,000 $6,520,000 52.7% 0.7%
Morris Bank $7,935,000 $6,270,000 -21.0% 0.7%
Capital City Bank $7,920,000 $5,815,000 -26.6% 0.6%
Bank of America $6,815,000 $5,505,000 -19.2% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $3,400,000 $5,340,000 57.1% 0.6%
Oconee State Bank $2,525,000 $4,930,000 95.2% 0.5%
MUTUAL OF OMAHA MORTGAGE, INC. $1,880,000 $4,730,000 151.6% 0.5%
Capital City Home Loans, LLC $5,010,000 $4,350,000 -13.2% 0.5%
UNION HOME MORTGAGE CORP. $2,080,000 $4,270,000 105.3% 0.5%
JPMorgan Chase Bank $1,825,000 $4,255,000 133.2% 0.5%
GUARANTEED RATE, INC. $6,870,000 $4,230,000 -38.4% 0.5%
USAA Federal Savings Bank $3,310,000 $3,965,000 19.8% 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $1,645,000 $3,905,000 137.4% 0.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,205,000 $3,795,000 72.1% 0.4%
Century Mortgage Company DBA Century Lending Company $910,000 $3,750,000 312.1% 0.4%
VILLAGE CAPITAL MORTGAGE $2,265,000 $3,575,000 57.8% 0.4%
Regions Bank $1,280,000 $3,475,000 171.5% 0.4%
PLAZA HOME MORTGAGE, INC. $960,000 $3,360,000 250.0% 0.4%
Alcova Mortgage LLC $3,275,000 n/a 0.4%
CARDINAL FINANCIAL $3,895,000 $3,235,000 -16.9% 0.4%
Prosperity Home Mortgage, LLC $2,840,000 $2,925,000 3.0% 0.3%
NEWREZ LLC $2,335,000 $2,885,000 23.6% 0.3%
Georgia Community Bank $1,325,000 $2,850,000 115.1% 0.3%
HOMESIDE FINANCIAL, LLC $545,000 $2,805,000 414.7% 0.3%
U.S. Bank $600,000 $2,800,000 366.7% 0.3%
COLLIERS MORTGAGE LLC $2,785,000 n/a 0.3%
WALKER & DUNLOP, LLC $2,675,000 n/a 0.3%
NEW DAY FINANCIAL, LLC $2,545,000 $2,605,000 2.4% 0.3%
Exchange Bank $2,755,000 $2,575,000 -6.5% 0.3%
OCMBC, INC. $565,000 $2,565,000 354.0% 0.3%
Equity Prime Mortgage LLC $1,665,000 $2,550,000 53.2% 0.3%
Carrington Mortgage Services, LLC $3,290,000 $2,525,000 -23.3% 0.3%
21ST MORTGAGE CORPORATION $4,845,000 $2,485,000 -48.7% 0.3%
PNC Bank $880,000 $2,360,000 168.2% 0.3%
Five Star Credit Union $2,270,000 n/a 0.3%
CREDIT UNION FINANCIAL SERVICES, LLC $1,845,000 $2,260,000 22.5% 0.3%
AMERICAN FINANCIAL RESOURCES, INC. $270,000 $2,250,000 733.3% 0.3%
Bank OZK $570,000 $2,225,000 290.4% 0.2%
FIRST COMMUNITY MORTGAGE, INC. $960,000 $2,200,000 129.2% 0.2%
ALAMEDA MORTGAGE CORPORATION $2,155,000 n/a 0.2%
AgFirst Farm Credit Bank $2,655,000 $2,110,000 -20.5% 0.2%
VAN DYK MORTGAGE CORPORATION $3,335,000 $2,100,000 -37.0% 0.2%
AMERISAVE MORTGAGE CORPORATION $3,015,000 $2,080,000 -31.0% 0.2%
BANKSOUTH MORTGAGE COMPANY, LLC $1,655,000 $1,945,000 17.5% 0.2%
MOVEMENT MORTGAGE, LLC $4,035,000 $1,940,000 -51.9% 0.2%
PLANET HOME LENDING, LLC $835,000 $1,940,000 132.3% 0.2%
HOMEOWNERS FINANCIAL GROUP USA, LLC $750,000 $1,840,000 145.3% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $115,000 $1,785,000 1,452.2% 0.2%
ZILLOW HOME LOANS, LLC $1,710,000 $1,675,000 -2.0% 0.2%
AmeriHome Mortgage Company, LLC $335,000 $1,670,000 398.5% 0.2%
Plains Commerce Bank $430,000 $1,610,000 274.4% 0.2%
Discover Bank $465,000 $1,545,000 232.3% 0.2%
CMG MORTGAGE, INC. $980,000 $1,540,000 57.1% 0.2%
First National Bank of Pennsylvania $1,470,000 n/a 0.2%
AMERICAN FINANCIAL NETWORK, INC. $2,715,000 $1,465,000 -46.0% 0.2%
Paramount Residential Mortgage Group, Inc. $1,450,000 $1,465,000 1.0% 0.2%
DELTA COMMUNITY CREDIT UNION $1,415,000 $1,455,000 2.8% 0.2%
SECURITYNATIONAL MORTGAGE COMPANY $715,000 $1,430,000 100.0% 0.2%
ROYAL UNITED MORTGAGE LLC $685,000 $1,350,000 97.1% 0.2%
EVERETT FINANCIAL, INC. $5,815,000 $1,225,000 -78.9% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $1,245,000 $1,225,000 -1.6% 0.1%
The Loan Store, Inc. $445,000 $1,215,000 173.0% 0.1%
Magnolia Bank $1,210,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $495,000 $1,195,000 141.4% 0.1%
TOWNE MORTGAGE COMPANY $660,000 $1,190,000 80.3% 0.1%
US MORTGAGE CORPORATION $165,000 $1,190,000 621.2% 0.1%
AMERICAN HERITAGE LENDING, INC. $325,000 $1,180,000 263.1% 0.1%
AMWEST FUNDING CORP. $970,000 $1,170,000 20.6% 0.1%
ALLIANT CREDIT UNION $55,000 $1,155,000 2,000.0% 0.1%
MILEND, INC. $2,170,000 $1,140,000 -47.5% 0.1%
Bank of Dudley $1,020,000 $1,115,000 9.3% 0.1%
Stifel Bank and Trust $605,000 $1,115,000 84.3% 0.1%
Lakeview Community Capital, LLC $390,000 $1,100,000 182.1% 0.1%
Barrington Bank & Trust Company, N.A. $590,000 $1,045,000 77.1% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $330,000 $1,045,000 216.7% 0.1%
ATLANTA POSTAL $520,000 $1,025,000 97.1% 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,400,000 $1,020,000 -27.1% 0.1%
Figure Lending LLC $955,000 $1,015,000 6.3% 0.1%
American Pride Bank $695,000 $1,010,000 45.3% 0.1%
Northpointe Bank $465,000 $995,000 114.0% 0.1%
HOMEXPRESS MORTGAGE CORP. $105,000 $970,000 823.8% 0.1%
The Federal Savings Bank $1,795,000 $970,000 -46.0% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $945,000 n/a 0.1%
HOMESPIRE MORTGAGE CORPORATION $2,855,000 $945,000 -66.9% 0.1%
TRIAD FINANCIAL SERVICES, INC. $520,000 $895,000 72.1% 0.1%
Citizens Bank $265,000 $890,000 235.8% 0.1%
LENDINGONE, LLC $95,000 $885,000 831.6% 0.1%
PREMIA MORTGAGE, LLC $285,000 $885,000 210.5% 0.1%
First National Bank of America $650,000 $870,000 33.8% 0.1%
The Peoples Bank of Georgia $285,000 $870,000 205.3% 0.1%
MID AMERICA MORTGAGE, INC. $625,000 $865,000 38.4% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,290,000 $845,000 -34.5% 0.1%
Presidential Bank, FSB $295,000 $835,000 183.1% 0.1%
South State Bank $540,000 $835,000 54.6% 0.1%
GENEVA FINANCIAL, LLC $165,000 $830,000 403.0% 0.1%
First Federal Bank $20,400,000 $820,000 -96.0% 0.1%
Morgan Stanley Private Bank $235,000 $810,000 244.7% 0.1%
AMERICAN FINANCING CORPORATION $365,000 $795,000 117.8% 0.1%
SunMark Community Bank $1,320,000 $785,000 -40.5% 0.1%
Goldman Sachs Bank USA $755,000 n/a 0.1%
SUN WEST MORTGAGE COMPANY, INC. $510,000 $740,000 45.1% 0.1%
CLEARPATH LENDING $530,000 $735,000 38.7% 0.1%
GUARANTEED RATE AFFINITY, LLC $470,000 $735,000 56.4% 0.1%
PHH Mortgage Corporation $290,000 $735,000 153.4% 0.1%
NATIONS DIRECT MORTGAGE, LLC $315,000 $715,000 127.0% 0.1%
PENTAGON FEDERAL CREDIT UNION $1,815,000 $705,000 -61.2% 0.1%
FINANCE OF AMERICA REVERSE LLC $125,000 $700,000 460.0% 0.1%
Raymond James Bank $685,000 n/a 0.1%
MORTGAGE INVESTORS GROUP, INC. $800,000 $675,000 -15.6% 0.1%
CITY FIRST MORTGAGE SERVICES, L.L.C. $550,000 $670,000 21.8% 0.1%
ACOPIA, LLC $1,510,000 $655,000 -56.6% 0.1%
PLANTERS FIRST BANK $715,000 $645,000 -9.8% 0.1%
First-Citizens Bank & Trust Company $605,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $680,000 $605,000 -11.0% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,490,000 $595,000 -60.1% 0.1%
First Option Mortgage, LLC $1,665,000 $590,000 -64.6% 0.1%
NBKC BANK $1,090,000 $585,000 -46.3% 0.1%
LENDSURE MORTGAGE CORP. $575,000 n/a 0.1%
GEORGIA'S OWN $465,000 $550,000 18.3% 0.1%
CALCON MUTUAL MORTGAGE LLC $545,000 n/a 0.1%
DOMINION FINANCIAL SERVICES, LLC $1,565,000 $545,000 -65.2% 0.1%
BAY EQUITY LLC $175,000 $540,000 208.6% 0.1%
SIRVA MORTGAGE, INC. $540,000 n/a 0.1%
Armed Forces Bank $525,000 n/a 0.1%
VERITAS FUNDING, LLC $520,000 n/a 0.1%
COREVEST AMERICAN FINANCE LENDER LLC $515,000 n/a 0.1%
DAS Acquisition Company, LLC $580,000 $515,000 -11.2% 0.1%
RELIANCE FIRST CAPITAL, LLC $585,000 $515,000 -12.0% 0.1%
First Horizon Bank $1,970,000 $505,000 -74.4% 0.1%
MEMBER FIRST MORTGAGE, LLC $145,000 $500,000 244.8% 0.1%
GUIDANCE RESIDENTIAL, LLC $215,000 $495,000 130.2% 0.1%
DEEPHAVEN MORTGAGE LLC $470,000 $485,000 3.2% 0.1%
Mortgage Assurance Inc. $145,000 $480,000 231.0% 0.1%
STOCKTON MORTGAGE CORPORATION $1,690,000 $470,000 -72.2% 0.1%
ITHINK FINANCIAL Credit Union $115,000 $445,000 287.0% 0.0%
LIBERTY HOME MORTGAGE CORPORATION $215,000 $440,000 104.7% 0.0%
ISERVE RESIDENTIAL LENDING, LLC $420,000 n/a 0.0%
NFM, INC. $1,250,000 $420,000 -66.4% 0.0%
RESIDENTIAL BANCORP $265,000 $415,000 56.6% 0.0%
LEADERONE FINANCIAL CORPORATION $165,000 $395,000 139.4% 0.0%
SWBC MORTGAGE CORPORATION $680,000 $395,000 -41.9% 0.0%
Guardian Bank $390,000 n/a 0.0%
Investmark Mortgage, LLC $390,000 n/a 0.0%
MORTGAGE ACCESS CORP. $745,000 $385,000 -48.3% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $480,000 $385,000 -19.8% 0.0%
NexBank $650,000 $380,000 -41.5% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $910,000 $375,000 -58.8% 0.0%
CITIZENS EQUITY FIRST $365,000 n/a 0.0%
ENVOY MORTGAGE, LTD $420,000 $365,000 -13.1% 0.0%
SeaTrust Mortgage Company $95,000 $365,000 284.2% 0.0%
United Community Bank $835,000 $365,000 -56.3% 0.0%
Baxter Credit Union $80,000 $360,000 350.0% 0.0%
IAA Credit Union $355,000 n/a 0.0%
CHARLOTTE METRO FEDERAL CREDIT UNION $335,000 n/a 0.0%
SPRING EQ, LLC $185,000 $335,000 81.1% 0.0%
BMO Harris Bank $325,000 n/a 0.0%
Commerce Home Mortgage, Inc. $365,000 $325,000 -11.0% 0.0%
FUNDLOANS CAPITAL $325,000 n/a 0.0%
NP, Inc. $325,000 n/a 0.0%
Metro City Bank $1,060,000 $320,000 -69.8% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $660,000 $310,000 -53.0% 0.0%
CONSTRUCTIVE LOANS, LLC $310,000 n/a 0.0%
AFFORDABLE MORTGAGE ADVISORS, LLC. $305,000 n/a 0.0%
GEORGIA UNITED $855,000 $305,000 -64.3% 0.0%
INTERCOASTAL MORTGAGE COMPANY $305,000 n/a 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION $210,000 $300,000 42.9% 0.0%
Talbot State Bank $220,000 $300,000 36.4% 0.0%
Evolve Bank & Trust $605,000 $295,000 -51.2% 0.0%
INTELLILOAN, INC. $295,000 n/a 0.0%
UIF CORPORATION $205,000 $295,000 43.9% 0.0%
Citadel Servicing Corporation $290,000 n/a 0.0%
Union Savings Bank $285,000 n/a 0.0%
Associated Credit Union $280,000 n/a 0.0%
NEXERA HOLDING LLC $115,000 $280,000 143.5% 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $280,000 n/a 0.0%
POLARIS HOME FUNDING CORP. $175,000 $275,000 57.1% 0.0%
ENDEAVOR CAPITAL, LLC. $270,000 n/a 0.0%
1ST SIGNATURE LENDING, LLC $550,000 $265,000 -51.8% 0.0%
RBC Bank, (Georgia) $255,000 n/a 0.0%
RESOURCE FINANCIAL SERVICES, INC. $255,000 n/a 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $250,000 n/a 0.0%
COMMUNITY FIRST CREDIT UNION OF FLO $245,000 n/a 0.0%
Nations Lending Corporation $540,000 $245,000 -54.6% 0.0%
Ally Bank $390,000 $235,000 -39.7% 0.0%
LOANFLIGHT LENDING, LLC $225,000 n/a 0.0%
Mid-Continent Funding, Inc. $125,000 $225,000 80.0% 0.0%
Southern States Bank $225,000 n/a 0.0%
Cornerstone First Mortgage, Inc $220,000 n/a 0.0%
VYSTAR $220,000 n/a 0.0%
Atlantic Union Bank $215,000 n/a 0.0%
GARDNER FINANCIAL SERVICES, LTD. $215,000 n/a 0.0%
SUMMIT FUNDING, INC. $1,590,000 $210,000 -86.8% 0.0%
Queensborough National Bank & Trust Company $205,000 n/a 0.0%
Goldwater Bank, N.A. $195,000 n/a 0.0%
OPEN MORTGAGE, LLC $195,000 $195,000 0.0% 0.0%
CityWorth Mortgage LLC $195,000 $185,000 -5.1% 0.0%
North American Savings Bank, F.S.B. $860,000 $185,000 -78.5% 0.0%
SOUTHWEST STAGE FUNDING, LLC $450,000 $185,000 -58.9% 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $185,000 n/a 0.0%
AMERITRUST MORTGAGE CORPORATION $175,000 n/a 0.0%
ROSS MORTGAGE CORPORATION $175,000 n/a 0.0%
ARC HOME LLC $165,000 n/a 0.0%
EQUITY RESOURCES, INC. $165,000 n/a 0.0%
SHELTER HOME MORTGAGE, LLC $370,000 $165,000 -55.4% 0.0%
Home Federal Bank of Tennessee $155,000 n/a 0.0%
Peoples Bank $155,000 n/a 0.0%
LOANPAL, LLC $405,000 $150,000 -63.0% 0.0%
CHURCHILL MORTGAGE CORPORATION $685,000 $145,000 -78.8% 0.0%
SOUTHPOINT FINANCIAL SERVICES, INC. $1,545,000 $145,000 -90.6% 0.0%
Fifth Third Bank $75,000 $140,000 86.7% 0.0%
STATE EMPLOYEES' $140,000 n/a 0.0%
MY MORTGAGE, INC. $135,000 n/a 0.0%
SILVER HILL FUNDING, LLC $135,000 n/a 0.0%
Magnolia State Bank $610,000 $130,000 -78.7% 0.0%
Suncoast Credit Union $235,000 $125,000 -46.8% 0.0%
PANORAMA MORTGAGE GROUP, LLC $255,000 $115,000 -54.9% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $800,000 $115,000 -85.6% 0.0%
JUSTICE Federal Credit Union $355,000 $105,000 -70.4% 0.0%
QUORUM FEDERAL CREDIT UNION $105,000 n/a 0.0%
TOTAL MORTGAGE SERVICES, LLC $105,000 n/a 0.0%
Assurance Financial Group, L.L.C. $335,000 $85,000 -74.6% 0.0%
Bank of Monticello $200,000 $75,000 -62.5% 0.0%
COCA-COLA $75,000 n/a 0.0%
First Western Federal Savings Bank $205,000 $75,000 -63.4% 0.0%
LGE COMMUNITY $155,000 $75,000 -51.6% 0.0%
Bethpage Federal Credit Union $70,000 n/a 0.0%
Deere Employees Credit Union $65,000 n/a 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $65,000 n/a 0.0%
NASA Federal Credit Union $65,000 n/a 0.0%
RUOFF MORTGAGE COMPANY, INC. $95,000 $65,000 -31.6% 0.0%
Service Federal Credit Union $65,000 n/a 0.0%
CONTOUR MORTGAGE CORPORATION $585,000 $55,000 -90.6% 0.0%
FirstTrust Home Loans, Inc. $55,000 n/a 0.0%
Signature Federal Credit Union $45,000 n/a 0.0%
TOWER $45,000 n/a 0.0%
ALTRA $15,000 n/a 0.0%

MACON - BIBB COUNTY's top lender by overall market share is QUICKEN LOANS, LLC, with 7.5% market share. In second place, with 5.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $50,660,000 in loans. In third place, with 3.4%, is ROBINS FINANCIAL, having originated $30,795,000 in loans. In fourth place, with 3.3%, is Renasant Bank, having originated $29,930,000 in loans. In fifth place, with 3.2%, is EMM LOANS LLC, having originated $28,625,000 in loans.

MACON-BIBB COUNTY, GA Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 2,198 $550,230,000 $250,332
Refi 563 $173,085,000 $307,433
Cash Out Refi 548 $114,150,000 $208,303
Home Improvement 351 $29,765,000 $84,801
Other 299 $31,175,000 $104,264
NA 4 $260,000 $65,000

Macon - Bibb County's most frequently cited loan purpose was Home Purchase, with 2,198 originations. The 2nd most popular reason was Refi, with 563 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 1,425 $344,765,000 $241,940
7-8% 802 $194,180,000 $242,120
Over 8% 609 $76,915,000 $126,297
5-6% 576 $200,600,000 $348,264
4-5% 92 $25,840,000 $280,870
<2.5% 66 $630,000 $9,545
3-4% 18 $7,050,000 $391,667
2.5-3% 1 $285,000 $285,000

During 2024, Macon - Bibb County's most frequently originated rate bucket was 6-7%, with 1,425 originations.

Loan Sizing (MACON-BIBB COUNTY, GA MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 1,348 $368,790,000 $273,583
$100k-200k 1,239 $181,865,000 $146,784
$100,000 or less 1,091 $61,955,000 $56,787
$400k-600k 187 $88,195,000 $471,631
$600k-1000k 75 $54,345,000 $724,600
$Over $1MM 23 $143,515,000 $6,239,783

MACON - BIBB COUNTY's loan sizing saw the bucket of loans from $200k-400k with 1,348 originations, totaling $368,790,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,693 $420,065,000 $248,119
60-80% 827 $236,575,000 $286,064
20-40% 399 $38,605,000 $96,754
Under 20% 387 $16,215,000 $41,899
40-60% 345 $74,585,000 $216,188
Over 100% 80 $59,240,000 $740,500

MACON - BIBB COUNTY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,693 originations, totaling $420,065,000 in origination value.