MACON - BIBB COUNTY Mortgage Rates & Closing Costs
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% |
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.).
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.