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 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%
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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 273 3.18% $4,563
First Federal Bank 184 3.14% $4,533
Renasant Bank 139 3.31% $3,737
ROBINS FINANCIAL 126 3.36% $3,049
UNITED WHOLESALE MORTGAGE, LLC 97 3.03% $4,223
GMFS LLC 84 2.86% $3,290
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 66 3.39% $3,779
Wells Fargo Bank 64 3.31% $3,351
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 54 3.27% $3,823
Colony Bank 50 3.03% $3,122
South State Bank 50 3.16% $4,400
Synovus Bank 48 3.19% $4,759
Ameris Bank 47 3.04% $3,915
BROKER SOLUTIONS, INC. 46 3.21% $4,523
Truist Bank 38 3.06% $4,009
LOANDEPOT.COM, LLC 37 3.02% $4,092
GUILD MORTGAGE COMPANY 31 3.37% $5,976
GUARANTY HOME MORTGAGE CORPORATION 30 3.01% $4,781
NAVY FEDERAL CREDIT UNION 29 3.88% $4,485
HOMESTAR FINANCIAL CORPORATION 27 3.14% $2,794
United Bank 27 3.28% $4,864
Bank of America 26 2.60% $2,844
AMERISAVE MORTGAGE CORPORATION 26 2.98% $4,720
Capital City Home Loans, LLC 25 3.01% $3,540
Mr. Cooper ( Nationstar Mortgage ) 20 3.47% $4,666
JPMorgan Chase Bank 19 3.19% $3,351
BETTER MORTGAGE CORPORATION 19 2.91% $3,391
Regions Bank 16 3.10% $4,040
INSPIRE HOME LOANS INC. 16 3.48% $4,084
PRIMELENDING, A PLAINSCAPITAL COMPANY 15 3.67% $3,777
SUCCESS MORTGAGE PARTNERS, INC. 15 2.98% $6,786
NEWREZ LLC 14 3.23% $4,140
Cadence Bank, N.A. 14 3.24% $4,917
PENNYMAC LOAN SERVICES, LLC 14 3.20% $4,912
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 13 3.06% $4,459
CREDIT UNION FINANCIAL SERVICES, LLC 12 3.20% $5,716
CALIBER HOME LOANS, INC. 12 3.54% $2,953
HOMESIDE FINANCIAL, LLC 12 3.26% $4,492
HOME POINT FINANCIAL CORPORATION 11 3.25% $3,972
FIRST COMMUNITY MORTGAGE, INC. 11 3.27% $3,397
Flagstar Bank, FSB 9 3.29% $3,686
VANDERBILT MORTGAGE AND FINANCE, INC. 8 3.58% $4,135
MUTUAL OF OMAHA MORTGAGE, INC. 8 3.47% $3,936
FREEDOM MORTGAGE CORPORATION 8 3.33% $2,313
HOMEBRIDGE FINANCIAL SERVICES, INC. 7 3.27% $5,471
ANGEL OAK HOME LOANS LLC 7 4.05% $5,189
First Guaranty Mortgage Corporation 7 3.05% $3,580
InterContinental Capital Group, Inc 6 3.19% $3,275
BANKSOUTH MORTGAGE COMPANY, LLC 6 3.04% $7,095
First Reliance Bank 6 3.23% $4,017
SOUTHPOINT FINANCIAL SERVICES, INC. 6 3.46% $6,094
GUARANTEED RATE, INC. 5 3.25% $3,634
Sierra Pacific Mortgage Company, Inc. 5 3.30% $10,336
DELTA COMMUNITY CREDIT UNION 5 2.98% $5,634
MILEND, INC. 5 3.20% $6,181
Nations Lending Corporation 5 3.17% $4,666
THE MORTGAGE FIRM, INC. 5 4.40% $5,502
PRIMARY RESIDENTIAL MORTGAGE, INC. 5 3.65% $7,251
EMM LOANS LLC 5 2.97% $5,614
SECURITYNATIONAL MORTGAGE COMPANY 4 3.34% $4,333
Carrington Mortgage Services, LLC 4 3.41% $4,052
ZILLOW HOME LOANS, LLC 4 3.34% $4,407
TOWNE MORTGAGE COMPANY 4 3.06% $3,970
BancorpSouth Bank 4 3.22% $2,928
Bank OZK 4 3.84% $3,333
First Option Mortgage, LLC 4 3.78% $5,395
SOUTHEAST MORTGAGE OF GEORGIA, INC. 4 3.47% $5,694
United Community Bank 4 3.06% $3,055
KELLER MORTGAGE, LLC 4 3.09% $2,950
Magnolia Bank 4 3.31% $4,955
CROSSCOUNTRY MORTGAGE, LLC 4 3.15% $5,261
SHELTER HOME MORTGAGE, LLC 4 3.38% $3,406
Baxter Credit Union 4 3.34% $2,974
VAN DYK MORTGAGE CORPORATION 3 3.42% $3,653
Mortgage Assurance Inc. 3 2.83% $3,504
MORTGAGE INVESTORS GROUP, INC. 3 2.92% $4,220
Mortgage Research Center, LLC 3 3.13% $3,614
MOVEMENT MORTGAGE, LLC 3 2.73% $3,919
NATIONWIDE MORTGAGE BANKERS, INC. 3 3.54% $6,021
Bank of England 3 3.00% $3,732
PHH Mortgage Corporation 3 3.63% $5,673
Prosperity Home Mortgage, LLC 3 3.08% $4,226
FBC MORTGAGE, LLC 3 3.25% $3,772
Stifel Bank and Trust 3 3.00% $2,957
First Horizon Bank 3 2.83% $3,263
Wyndham Capital Mortgage, Inc. 3 2.96% $1,382
CapStar Bank 3 3.00% $4,322
GEORGIA'S OWN 3 3.00% $3,585
HOMEOWNERS FINANCIAL GROUP USA, LLC 3 3.50% $3,976
JET DIRECT FUNDING CORP 3 3.04% $3,262
Assurance Financial Group, L.L.C. 3 2.75% $3,419
Colten Mortgage, LLC 3 3.21% $3,239
The Federal Savings Bank 2 3.00% $2,643
STOCKTON MORTGAGE CORPORATION 2 3.50% $3,920
ACADEMY MORTGAGE CORPORATION 2 3.19% $3,674
STEARNS LENDING, LLC 2 3.63% $3,187
CERTAINTY HOME LOANS, LLC 2 2.94% $3,466
Fifth Third Bank 2 3.56% $3,647
DAS Acquisition Company, LLC 2 3.94% $3,804
SOVEREIGN LENDING GROUP INCORPORATED 2 2.93% $9,732
AmeriHome Mortgage Company, LLC 2 3.38% $2,524
HOMESPIRE MORTGAGE CORPORATION 2 3.00% $3,473
BAY EQUITY LLC 2 3.38% $4,245
HOMESTEAD FUNDING CORP. 2 2.88% $5,839
PNC Bank 2 3.13% $3,264
Chicago Mortgage Solutions LLC 2 2.87% $1,624
Platinum Home Mortgage Corporation 2 3.56% $6,778
INTERLINC MORTGAGE SERVICES, LLC 2 2.87% $768
CHURCHILL MORTGAGE CORPORATION 2 3.25% $3,312
MORTGAGE ACCESS CORP. 2 3.19% $3,264
PENTAGON FEDERAL CREDIT UNION 2 2.81% $2,085
Discover Bank 2 5.37% $0
Ally Bank 2 3.44% $3,146
CRESCENT MORTGAGE COMPANY 2 3.00% $3,593
ATLANTA POSTAL 2 3.00% $2,599
Northpointe Bank 2 3.68% $4,130
USAA Federal Savings Bank 2 3.19% $3,939
BNC National Bank 2 3.00% $2,741
LGE COMMUNITY 2 2.99% $4,889
GEORGIA UNITED 2 3.56% $3,485
First American Bank and Trust Company 2 3.38% $3,230
SUMMIT FUNDING, INC. 1 3.13% $6,678
ACOPIA, LLC 1 3.12% $4,777
A&D Mortgage LLC 1 4.99% $8,724
Advisors Mortgage Group, L.L.C. 1 2.88% $3,340
AgFirst Farm Credit Bank 1 2.75% $6,312
AMERICAN FEDERAL MORTGAGE CORPORATION 1 2.88% $2,385
AMERICAN FINANCIAL NETWORK, INC. 1 3.00% $6,394
AMERICAN FINANCING CORPORATION 1 2.88% $4,723
American Security Mortgage Corp. 1 3.13% $3,639
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 5.38% $5,775
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.99% $4,282
Blue Ridge Bank 1 2.88% $2,161
BMO Harris Bank 1 3.25% $3,596
CALCON MUTUAL MORTGAGE LLC 1 2.38% $4,788
CANOPY MORTGAGE, LLC 1 3.63% $6,815
CDC Federal Credit Union 1 2.88% $4,100
Citibank 1 3.88% $2,850
Citizens Bank 1 3.25% $2,541
CMG MORTGAGE, INC. 1 3.38% $5,573
Colonial Savings, F.A. 1 3.50% $4,217
COMMUNITYAMERICA 1 3.13% $6,989
CONSUMERS COOPERATIVE CREDIT UNION 1 3.00% $2,461
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 3.25% $3,049
East Coast Capital Corp. 1 3.38% $6,089
Envision Credit Union 1 3.35% $3,091
ENVOY MORTGAGE, LTD 1 3.63% $3,466
EVANSVILLE TEACHERS 1 3.00% $4,037
EVERETT FINANCIAL, INC. 1 3.38% $2,556
Evolve Bank & Trust 1 3.25% $3,619
FINANCE OF AMERICA MORTGAGE LLC 1 2.99% $3,913
FirstBank 1 2.25% $1,334
FIRST COMMERCE CREDIT UNION 1 2.75% $3,192
First Home Bank 1 3.00% $7,375
First Mortgage Solutions, LLC 1 2.75% $2,968
First National Bank of Pennsylvania 1 2.63% $3,186
First Savings Bank 1 2.88% $10,877
FLAT BRANCH MORTGAGE, INC. 1 3.38% $3,786
Florida Capital Bank 1 3.13% $4,477
Gateway First Bank 1 3.25% $3,252
GEO-CORP, INC. 1 3.13% $3,006
GUARANTY MORTGAGE SERVICES, L.L.C. 1 3.13% $4,012
Gulf Coast Bank and Trust Company 1 3.00% $3,819
INTERCOASTAL MORTGAGE COMPANY 1 2.98% $3,897
Ixonia Bank 1 3.25% $3,724
KeyBank 1 2.99% $3,309
Lakeview Community Capital, LLC 1 3.75% $2,576
LENDERFI, INC. 1 2.88% $1,178
LENOX FINANCIAL MORTGAGE CORPORATION 1 2.75% $3,040
LIBERTY HOME MORTGAGE CORPORATION 1 3.38% $4,628
LOANPAL, LLC 1 3.99% $5,715
Low VA Rates, LLC 1 3.25% $2,607
MAX Credit Union 1 3.00% $3,835
MID AMERICA MORTGAGE, INC. 1 4.63% $5,260
MORIA DEVELOPMENT, INC. 1 3.50% $3,266
Mortgage Network, Inc. 1 2.75% $5,294
NBKC BANK 1 3.38% $1,976
NORWICH COMMERCIAL GROUP, INC. 1 2.75% $3,448
NTFN, INC. 1 3.25% $5,260
OCMBC, INC. 1 3.13% $4,466
Paramount Bank 1 3.00% $4,574
PLAZA HOME MORTGAGE, INC. 1 6.25% $3,931
Prime Choice Funding Inc. 1 2.75% $3,069
PROVIDENT FUNDING ASSOCIATES, L.P. 1 2.88% $3,469
Queensborough National Bank & Trust Company 1 2.88% $0
RUOFF MORTGAGE COMPANY, INC. 1 2.88% $3,090
SIGNATURE MORTGAGE CORPORATION 1 3.88% $3,262
SOFI LENDING CORP. 1 2.88% $2,805
SPRING EQ, LLC 1 3.63% $3,370
STATE EMPLOYEES' 1 4.38% $2,941
21ST MORTGAGE CORPORATION 1 6.30% $6,994
The Huntington National Bank 1 2.75% $3,884
TJC Mortgage, Inc. 1 2.88% $5,229
TOP FLITE FINANCIAL, INC. 1 3.13% $6,918
Trustmark National Bank 1 3.13% $3,352
UNION HOME MORTGAGE CORP. 1 3.25% $2,913
UNITED PREMIER FUNDING, LLC 1 2.88% $3,623
UNIVERSITY LENDING GROUP, LLC 1 3.13% $4,711
U.S. Bank 1 2.75% $13,606
Valley National Bank 1 3.25% $4,477
Waterstone Mortgage Corporation 1 2.50% $6,177
WINGS FINANCIAL 1 2.50% $3,940

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.