Alice Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Alice averaged
7.09%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.02% and
one month ago for the week of 2025-05-15, the
average rate was 7.29%.
Alice's average rate one year ago was 7.03%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Alice 30 Year Fixed Rate | 2025-06-18 | 7.09% |
| Alice 30 Year Fixed Rate Refi | 2025-06-18 | 6.81% |
| Alice 15 Year Fixed Rate | 2025-06-18 | 5.96% |
| Alice 15 Year Fixed Rate Refi | 2025-06-18 | 6.16% |
| Alice 30 Year FHA | 2025-06-18 | 0.25% |
| Alice 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Alice 30 Year USDA | 2025-06-18 | -0.2% |
| Alice 30 Year USDA Refi | 2025-06-18 | 0.1% |
| Alice 30 Year VA | 2025-06-18 | 0.2% |
| Alice 30 Year VA Refi | 2025-06-18 | 0% |
Alice 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 Alice, TX 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.).
Alice Average Closing Costs & Other Stats
Alice, TX's 41 lenders originated 363
loans during 2024. The total origination value was $79,945,000, with an average loan value of
$220,234.
Alice's average closing costs are $6,653.
The top Alice lender as defined by loan originations is QUICKEN LOANS, LLC, with
12 loans originated. Their average total fees are
$6,244, which is $2,686
higher than the next largest lender,
NAVY ARMY COMMUNITY CREDIT UNION.
The lowest fee Alice lenders (with over 10 loans originated) are
NAVY ARMY COMMUNITY CREDIT UNION ($3,558), QUICKEN LOANS, LLC ($6,244), .
The lowest rate Alice lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.90%), NAVY ARMY COMMUNITY CREDIT UNION (7.08%), .
Alice, TX 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 |
|---|---|---|---|---|
| NAVY ARMY COMMUNITY CREDIT UNION | $5,825,000 | $8,145,000 | 39.8% | 10.2% |
| Legacy Bank & Trust Company | $6,505,000 | n/a | 8.1% | |
| 21ST MORTGAGE CORPORATION | $4,035,000 | $5,415,000 | 34.2% | 6.8% |
| QUICKEN LOANS, LLC | $2,110,000 | $3,665,000 | 73.7% | 4.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $715,000 | $3,310,000 | 362.9% | 4.1% |
| Mortgage Research Center, LLC | $2,395,000 | $3,250,000 | 35.7% | 4.1% |
| First National Bank Texas | $1,530,000 | $3,125,000 | 104.2% | 3.9% |
| First Community Bank | $3,175,000 | $2,775,000 | -12.6% | 3.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $3,515,000 | $2,125,000 | -39.5% | 2.7% |
| LOANDEPOT.COM, LLC | $2,430,000 | $2,095,000 | -13.8% | 2.6% |
| EAST TEXAS PROFESSIONAL Credit Union | $2,075,000 | n/a | 2.6% | |
| FREEDOM MORTGAGE CORPORATION | $1,720,000 | n/a | 2.2% | |
| CMG MORTGAGE, INC. | $815,000 | $1,625,000 | 99.4% | 2.0% |
| UNITED BUILT HOMES, L.L.C. | $375,000 | $1,595,000 | 325.3% | 2.0% |
| Farm Credit Mid-America, ACA | $1,580,000 | n/a | 2.0% | |
| BROKER SOLUTIONS, INC. | $205,000 | $1,565,000 | 663.4% | 2.0% |
| MOVEMENT MORTGAGE, LLC | $2,985,000 | $1,255,000 | -58.0% | 1.6% |
| Gateway First Bank | $910,000 | $1,210,000 | 33.0% | 1.5% |
| UNION HOME MORTGAGE CORP. | $440,000 | $1,085,000 | 146.6% | 1.4% |
| NEWREZ LLC | $95,000 | $915,000 | 863.2% | 1.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,475,000 | $900,000 | -39.0% | 1.1% |
| SOUTHWEST STAGE FUNDING, LLC | $325,000 | $835,000 | 156.9% | 1.0% |
| TRIAD FINANCIAL SERVICES, INC. | $825,000 | $800,000 | -3.0% | 1.0% |
| GUILD MORTGAGE COMPANY | $835,000 | $780,000 | -6.6% | 1.0% |
| Prosperity Bank | $1,190,000 | $770,000 | -35.3% | 1.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $360,000 | $690,000 | 91.7% | 0.9% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $1,110,000 | $670,000 | -39.6% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $1,000,000 | $665,000 | -33.5% | 0.8% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $570,000 | $645,000 | 13.2% | 0.8% |
| Lone Star National Bank | $75,000 | $635,000 | 746.7% | 0.8% |
| GULF COAST | $835,000 | $600,000 | -28.1% | 0.8% |
| ROYAL UNITED MORTGAGE LLC | $340,000 | $600,000 | 76.5% | 0.8% |
| LOANPEOPLE, LLC | $595,000 | n/a | 0.7% | |
| First National Bank in Port Lavaca | $585,000 | n/a | 0.7% | |
| Equity Prime Mortgage LLC | $560,000 | n/a | 0.7% | |
| PENNYMAC LOAN SERVICES, LLC | $365,000 | $550,000 | 50.7% | 0.7% |
| JPMorgan Chase Bank | $410,000 | $525,000 | 28.0% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $150,000 | $520,000 | 246.7% | 0.7% |
| Simmons Bank | $75,000 | $510,000 | 580.0% | 0.6% |
| Extraco Banks | $475,000 | n/a | 0.6% | |
| GARDNER FINANCIAL SERVICES, LTD. | $605,000 | $445,000 | -26.4% | 0.6% |
| Mid-Continent Funding, Inc. | $425,000 | n/a | 0.5% | |
| Bell Bank | $415,000 | n/a | 0.5% | |
| DIRECTIONS EQUITY, LLC | $415,000 | n/a | 0.5% | |
| Frost Bank | $95,000 | $405,000 | 326.3% | 0.5% |
| RANDOLPH-BROOKS | $620,000 | $395,000 | -36.3% | 0.5% |
| Barrington Bank & Trust Company, N.A. | $375,000 | n/a | 0.5% | |
| SECURITY SERVICE | $530,000 | $375,000 | -29.2% | 0.5% |
| GUARANTEED RATE, INC. | $435,000 | $365,000 | -16.1% | 0.5% |
| DEEPHAVEN MORTGAGE LLC | $355,000 | n/a | 0.4% | |
| Ixonia Bank | $135,000 | $355,000 | 163.0% | 0.4% |
| Hamilton Mortgage Corporation | $345,000 | n/a | 0.4% | |
| Nations Lending Corporation | $265,000 | $345,000 | 30.2% | 0.4% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $305,000 | n/a | 0.4% | |
| Merchants Bank of Indiana | $285,000 | n/a | 0.4% | |
| First Federal Bank | $275,000 | n/a | 0.3% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $275,000 | n/a | 0.3% | |
| INTELLILOAN, INC. | $265,000 | n/a | 0.3% | |
| Citadel Servicing Corporation | $235,000 | n/a | 0.3% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $235,000 | n/a | 0.3% | |
| Wells Fargo Bank | $855,000 | $230,000 | -73.1% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $895,000 | $225,000 | -74.9% | 0.3% |
| HOMETRUST MORTGAGE COMPANY | $225,000 | n/a | 0.3% | |
| HOMESIDE FINANCIAL, LLC | $215,000 | n/a | 0.3% | |
| Commerce Home Mortgage, Inc. | $205,000 | n/a | 0.3% | |
| SUN WEST MORTGAGE COMPANY, INC. | $195,000 | $205,000 | 5.1% | 0.3% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $385,000 | $195,000 | -49.4% | 0.2% |
| Discover Bank | $140,000 | $175,000 | 25.0% | 0.2% |
| NexBank | $175,000 | n/a | 0.2% | |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | $165,000 | n/a | 0.2% | |
| LONGBRIDGE FINANCIAL, LLC | $165,000 | n/a | 0.2% | |
| PNC Bank | $2,695,000 | $165,000 | -93.9% | 0.2% |
| RB MORTGAGE LLC | $220,000 | $165,000 | -25.0% | 0.2% |
| EVERETT FINANCIAL, INC. | $155,000 | n/a | 0.2% | |
| HOMEXPRESS MORTGAGE CORP. | $135,000 | $155,000 | 14.8% | 0.2% |
| Flagstar Bank, FSB | $520,000 | $145,000 | -72.1% | 0.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $320,000 | $135,000 | -57.8% | 0.2% |
| American Bank | $125,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $125,000 | n/a | 0.2% | |
| Bank of America | $95,000 | $125,000 | 31.6% | 0.2% |
| LENDINGONE, LLC | $125,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $120,000 | n/a | 0.2% | |
| U.S. Bank | $115,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $105,000 | n/a | 0.1% | |
| Texas Mortgage Lending, LLC | $105,000 | n/a | 0.1% | |
| SYNERGY FEDERAL CREDIT UNION | $350,000 | $100,000 | -71.4% | 0.1% |
| CSL Financial, LLC | $95,000 | n/a | 0.1% | |
| FIRSTMARK | $75,000 | n/a | 0.1% | |
| International Bank of Commerce | $75,000 | n/a | 0.1% | |
| Kleberg Bank, N.A | $55,000 | n/a | 0.1% | |
| CHARTER BANK | $25,000 | n/a | 0.0% |
Alice's top lender by overall market share is NAVY ARMY COMMUNITY CREDIT UNION, with 10.2% market share. In second place, with 8.1%, is Legacy Bank & Trust Company, having originated $6,505,000 in loans. In third place, with 6.8%, is 21ST MORTGAGE CORPORATION, having originated $5,415,000 in loans. In fourth place, with 4.6%, is QUICKEN LOANS, LLC, having originated $3,665,000 in loans. In fifth place, with 4.1%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $3,310,000 in loans.
Alice, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 268 | $61,720,000 | $230,299 |
| Cash Out Refi | 43 | $7,645,000 | $177,791 |
| Refi | 30 | $7,810,000 | $260,333 |
| Other | 14 | $1,870,000 | $133,571 |
| Home Improvement | 8 | $900,000 | $112,500 |
Alice's most frequently cited loan purpose was Home Purchase, with 268 originations. The 2nd most popular reason was Cash Out Refi, with 43 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 123 | $29,775,000 | $242,073 |
| Over 8% | 88 | $12,920,000 | $146,818 |
| 7-8% | 83 | $18,475,000 | $222,590 |
| 5-6% | 34 | $7,630,000 | $224,412 |
| <2.5% | 6 | $30,000 | $5,000 |
| 4-5% | 2 | $570,000 | $285,000 |
| 2.5-3% | 1 | $225,000 | $225,000 |
During 2024, Alice's most frequently originated rate bucket was 6-7%, with 123 originations.
Loan Sizing (Alice, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 137 | $19,855,000 | $144,927 |
| $200k-400k | 121 | $33,045,000 | $273,099 |
| $100,000 or less | 74 | $4,570,000 | $61,757 |
| $400k-600k | 26 | $12,080,000 | $464,615 |
| $600k-1000k | 3 | $1,815,000 | $605,000 |
| $Over $1MM | 2 | $8,580,000 | $4,290,000 |
Alice's loan sizing saw the bucket of loans from $100k-200k with 137 originations, totaling $19,855,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 211 | $46,205,000 | $218,981 |
| 60-80% | 62 | $12,300,000 | $198,387 |
| 20-40% | 21 | $4,165,000 | $198,333 |
| 40-60% | 17 | $3,135,000 | $184,412 |
| Under 20% | 13 | $265,000 | $20,385 |
| Over 100% | 9 | $1,945,000 | $216,111 |
Alice's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 211 originations, totaling $46,205,000 in origination value.