Borger Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Borger averaged 7.6% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

    The average rate for the prior week (2023-11-16) was 7.85% and one month ago for the week of 2023-10-19, the average rate was 7.74%.

    Borger's average rate one year ago was 6.92%.

    For refis of the same type during the week of 2023-11-22, the average rate was 7.49%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-22 7.29%
    Borger 30 Year Fixed Rate 2023-11-22 7.6%
    Borger 30 Year Fixed Rate Refi 2023-11-22 7.49%
    Borger 15 Year Fixed Rate 2023-11-22 6.77%
    Borger 15 Year Fixed Rate Refi 2023-11-22 7.27%
    Borger 30 Year FHA 2023-11-22 -0.46%
    Borger 30 Year FHA Refi 2023-11-22 0%
    Borger 30 Year USDA 2023-11-22 0.1%
    Borger 30 Year USDA Refi 2023-11-22 0%
    Borger 30 Year VA 2023-11-22 0%
    Borger 30 Year VA Refi 2023-11-22 0.1%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Borger, TX.

    Borger 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 Borger, 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.).

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    Amarillo National Bank 28 5.91% $3,971
    QUICKEN LOANS, LLC 13 5.75% $5,766
    Centennial Bank 12 5.50% $3,004
    PRIMELENDING, A PLAINSCAPITAL COMPANY 10 5.52% $5,741
    LOANDEPOT.COM, LLC 6 5.43% $5,086
    Wells Fargo Bank 5 6.38% $2,582
    EUSTIS AND AMERICAN MORTGAGE COMPANY 5 5.38% $5,498
    ASSOCIATED MORTGAGE CORPORATION 4 6.22% $6,412
    Mr. Cooper ( Nationstar Mortgage ) 3 5.71% $6,100
    NATIONS RELIABLE LENDING, LLC 2 4.75% $4,149
    Education Credit Union 2 5.69% $5,934
    JPMorgan Chase Bank 2 5.43% $2,464
    GUARANTEED RATE, INC. 2 6.00% $5,839
    AMCAP MORTGAGE, LTD. 2 4.43% $4,348
    ROYAL UNITED MORTGAGE LLC 2 5.19% $7,757
    MEMBER HOME LOAN, L.L.C. 1 6.13% $7,010
    MOVEMENT MORTGAGE, LLC 1 4.63% $4,578
    ON Q FINANCIAL, INC. 1 3.88% $3,323
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.99% $2,799
    ASPIRE FINANCIAL, INC. 1 4.25% $5,603
    Arvest Bank 1 4.00% $4,695
    RANLIFE, INC. 1 5.63% $4,647
    TEXAS TECH 1 6.38% $3,286
    THRIVE MORTGAGE, LLC 1 4.88% $4,336
    TIB The Independent Bankersbank 1 6.13% $3,937
    Truity Federal Credit Union 1 4.00% $2,546
    UNITED WHOLESALE MORTGAGE, LLC 1 6.50% $7,462
    CARDINAL FINANCIAL 1 6.88% $5,723
    CALIBER HOME LOANS, INC. 1 6.88% $9,778
    Carrington Mortgage Services, LLC 1 5.75% $3,342
    Bank of America 1 2.88% $5,428
    CHURCHILL MORTGAGE CORPORATION 1 7.63% $3,482
    CROSSCOUNTRY MORTGAGE, LLC 1 4.00% $6,368
    FINANCE OF AMERICA MORTGAGE LLC 1 4.25% $3,208
    First United Bank 1 4.99% $3,782
    InterBank 1 4.00% $3,525

    Borger Average Closing Costs & Other Stats

    Borger, TX's 36 lenders originated 353 loans during 2022. The total origination value was $44,625,000, with an average loan value of $126,416.

    Borger's average closing costs are $4,585.

    The top Borger lender as defined by loan originations is Amarillo National Bank, with 28 loans originated. Their average total fees are $3,971, which is $1,795 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Borger lenders (with over 10 loans originated) are Centennial Bank ($3,004), Amarillo National Bank ($3,971), PRIMELENDING, A PLAINSCAPITAL COMPANY ($5,741), QUICKEN LOANS, LLC ($5,766) and .

    The lowest rate Borger lenders (with over 10 loans originated) are Centennial Bank (5.50%), PRIMELENDING, A PLAINSCAPITAL COMPANY (5.52%), QUICKEN LOANS, LLC (5.75%), Amarillo National Bank (5.91%) and .

    Borger, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    Amarillo National Bank $12,785,000 $9,775,000 -23.5% 21.9%
    Centennial Bank $4,100,000 n/a 9.2%
    QUICKEN LOANS, LLC $6,645,000 $3,105,000 -53.3% 7.0%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $1,165,000 $2,365,000 103.0% 5.3%
    Mortgage Research Center, LLC $225,000 $2,110,000 837.8% 4.7%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $455,000 $2,030,000 346.2% 4.5%
    LOANDEPOT.COM, LLC $1,820,000 $1,350,000 -25.8% 3.0%
    Wells Fargo Bank $850,000 $1,290,000 51.8% 2.9%
    ASSOCIATED MORTGAGE CORPORATION $815,000 $1,175,000 44.2% 2.6%
    21ST MORTGAGE CORPORATION $600,000 $1,060,000 76.7% 2.4%
    CALIBER HOME LOANS, INC. $125,000 $990,000 692.0% 2.2%
    NATIONS RELIABLE LENDING, LLC $815,000 $810,000 -0.6% 1.8%
    Mr. Cooper ( Nationstar Mortgage ) $770,000 $715,000 -7.1% 1.6%
    AMCAP MORTGAGE, LTD. $2,325,000 $690,000 -70.3% 1.5%
    FirstBank Southwest $510,000 $630,000 23.5% 1.4%
    JPMorgan Chase Bank $405,000 $615,000 51.9% 1.4%
    Education Credit Union $565,000 n/a 1.3%
    Herring Bank $185,000 $540,000 191.9% 1.2%
    BROKER SOLUTIONS, INC. $535,000 $520,000 -2.8% 1.2%
    InterBank $440,000 n/a 1.0%
    USAA Federal Savings Bank $280,000 $420,000 50.0% 0.9%
    HOMETRUST MORTGAGE COMPANY $75,000 $400,000 433.3% 0.9%
    NEWREZ LLC $820,000 $385,000 -53.0% 0.9%
    ROYAL UNITED MORTGAGE LLC $65,000 $385,000 492.3% 0.9%
    First United Bank $335,000 $375,000 11.9% 0.8%
    THRIVE MORTGAGE, LLC $85,000 $375,000 341.2% 0.8%
    Arvest Bank $355,000 n/a 0.8%
    MOVEMENT MORTGAGE, LLC $335,000 n/a 0.8%
    NAVY FEDERAL CREDIT UNION $320,000 n/a 0.7%
    CHURCHILL MORTGAGE CORPORATION $145,000 $285,000 96.6% 0.6%
    CITYWIDE HOME LOANS, LLC $265,000 n/a 0.6%
    GUARANTEED RATE, INC. $145,000 $260,000 79.3% 0.6%
    Carrington Mortgage Services, LLC $85,000 $250,000 194.1% 0.6%
    Bank of England $245,000 n/a 0.5%
    EVERETT FINANCIAL, INC. $230,000 n/a 0.5%
    Bank of America $225,000 n/a 0.5%
    AMARILLO COMMUNITY $55,000 $195,000 254.5% 0.4%
    PREMIA MORTGAGE, LLC $590,000 $195,000 -66.9% 0.4%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $350,000 $190,000 -45.7% 0.4%
    First Bank & Trust $175,000 n/a 0.4%
    UNITED WHOLESALE MORTGAGE, LLC $270,000 $175,000 -35.2% 0.4%
    FirstCapital Bank of Texas $105,000 $170,000 61.9% 0.4%
    RANLIFE, INC. $285,000 $160,000 -43.9% 0.4%
    Paramount Residential Mortgage Group, Inc. $155,000 n/a 0.3%
    WILLOW BEND MORTGAGE COMPANY, LLC $155,000 n/a 0.3%
    AMERISAVE MORTGAGE CORPORATION $335,000 $145,000 -56.7% 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $225,000 $145,000 -35.6% 0.3%
    MEMBER HOME LOAN, L.L.C. $145,000 n/a 0.3%
    Network Funding, L.P. $145,000 n/a 0.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $140,000 n/a 0.3%
    ASPIRE FINANCIAL, INC. $135,000 n/a 0.3%
    PREMIER LENDING, INC. $135,000 n/a 0.3%
    U.S. Bank $475,000 $135,000 -71.6% 0.3%
    Equity Prime Mortgage LLC $125,000 n/a 0.3%
    FINANCE OF AMERICA MORTGAGE LLC $125,000 n/a 0.3%
    TIB The Independent Bankersbank $310,000 $125,000 -59.7% 0.3%
    SUMMIT FUNDING, INC. $110,000 n/a 0.2%
    TEXAS TECH $95,000 n/a 0.2%
    Hometown Lenders, Inc. $360,000 $85,000 -76.4% 0.2%
    SOUTHWEST STAGE FUNDING, LLC $165,000 $85,000 -48.5% 0.2%
    Truity Federal Credit Union $820,000 $85,000 -89.6% 0.2%
    VILLAGE CAPITAL MORTGAGE $435,000 $85,000 -80.5% 0.2%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $290,000 $75,000 -74.1% 0.2%
    F & M Bank $65,000 n/a 0.1%
    LONGBRIDGE FINANCIAL, LLC $65,000 n/a 0.1%
    ON Q FINANCIAL, INC. $65,000 n/a 0.1%
    AMERICAN ADVISORS GROUP $45,000 n/a 0.1%
    Western Bank $45,000 n/a 0.1%
    The People's Federal Credit Union $175,000 $35,000 -80.0% 0.1%

    Borger's top lender by overall market share is Amarillo National Bank, with 21.9% market share. In second place, with 9.2%, is Centennial Bank, having originated $4,100,000 in loans. In third place, with 7.0%, is QUICKEN LOANS, LLC, having originated $3,105,000 in loans. In fourth place, with 5.3%, is PRIMELENDING, A PLAINSCAPITAL COMPANY, having originated $2,365,000 in loans. In fifth place, with 4.7%, is Mortgage Research Center, LLC, having originated $2,110,000 in loans.

    Borger Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Borger (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $88,075 (-12.1%) $106,090 (-11.2%) 0.00 81
    2018-02-01 $87,425 (-17.6%) $101,969 (-18.0%) 0.00 89
    2018-03-01 $84,450 (-28.0%) $98,229 (-24.2%) 0.00 89
    2018-04-01 $86,225 (-29.0%) $100,875 (-29.5%) 0.00 89
    2018-05-01 $87,050 (-25.4%) $111,068 (-16.1%) 0.00 93
    2018-06-01 $89,500 (-19.0%) $109,116 (-16.1%) 0.00 91
    2018-07-01 $89,000 (-10.7%) $110,589 (-10.0%) 0.00 102
    2018-08-01 $94,125 (-0.8%) $114,920 (0.6%) 0.00 109
    2018-09-01 $90,000 (-8.2%) $114,572 (-2.1%) 0.00 110
    2018-10-01 $91,500 (-6.9%) $112,572 (-1.5%) 0.00 118
    2018-11-01 $89,000 (-1.0%) $107,677 (1.5%) 0.00 114
    2018-12-01 $85,500 (-1.2%) $108,467 (5.1%) 0.00 109
    2019-01-01 $85,500 (-2.9%) $103,609 (-2.3%) 0.00 105
    2019-02-01 $89,975 (2.9%) $108,229 (6.1%) 0.00 103
    2019-03-01 $90,164 (6.8%) $104,930 (6.8%) 0.00 107
    2019-04-01 $91,725 (6.4%) $107,002 (6.1%) 0.00 107
    2019-05-01 $93,000 (6.8%) $107,617 (-3.1%) 0.00 109
    2019-06-01 $94,900 (6.0%) $109,285 (0.2%) 0.00 115
    2019-07-01 $95,700 (7.5%) $119,914 (8.4%) 0.00 108
    2019-08-01 $93,427 (-0.7%) $118,974 (3.5%) 0.00 108
    2019-09-01 $91,218 (1.4%) $116,841 (2.0%) 0.00 113
    2019-10-01 $85,750 (-6.3%) $113,203 (0.6%) 0.00 113
    2019-11-01 $74,900 (-15.8%) $106,775 (-0.8%) 0.00 116
    2019-12-01 $73,340 (-14.2%) $103,585 (-4.5%) 0.00 111
    2020-01-01 $73,900 (-13.6%) $96,826 (-6.6%) 0.00 99
    2020-02-01 $74,900 (-16.8%) $95,486 (-11.8%) 0.00 94
    2020-03-01 $59,900 (-33.6%) $89,095 (-15.1%) 0.00 76
    2020-04-01 $62,000 (-32.4%) $93,121 (-13.0%) 0.00 80
    2020-05-01 $79,925 (-14.1%) $102,216 (-5.0%) 0.00 91
    2020-06-01 $81,875 (-13.7%) $101,255 (-7.4%) 0.00 85
    2020-07-01 $89,950 (-6.0%) $110,059 (-8.2%) 0.00 85
    2020-08-01 $99,500 (6.5%) $121,145 (1.8%) 0.00 72
    2020-09-01 $101,975 (11.8%) $126,509 (8.3%) 0.00 70
    2020-10-01 $95,500 (11.4%) $118,247 (4.5%) 0.00 67
    2020-11-01 $99,375 (32.7%) $123,369 (15.5%) 0.00 65
    2020-12-01 $108,250 (47.6%) $130,570 (26.1%) 0.00 62
    2021-01-01 $93,850 (27.0%) $124,581 (28.7%) 0.00 58
    2021-02-01 $79,900 (6.7%) $105,430 (10.4%) 0.00 44
    2021-03-01 $80,600 (34.6%) $100,309 (12.6%) 0.00 35
    2021-04-01 $73,750 (19.0%) $95,029 (2.1%) 0.00 34
    2021-05-01 $88,750 (11.0%) $111,977 (9.6%) 0.00 32
    2021-06-01 $107,900 (31.8%) $116,603 (15.2%) 0.00 30
    2021-07-01 $81,500 (-9.4%) $112,186 (1.9%) 0.00 35
    2021-08-01 $92,500 (-7.0%) $121,041 (-0.1%) 0.00 47
    2021-09-01 $115,725 (13.5%) $138,446 (9.4%) 0.00 49
    2021-10-01 $120,000 (25.7%) $141,473 (19.6%) 0.00 57
    2021-11-01 $116,725 (17.5%) $133,324 (8.1%) 0.00 57
    2021-12-01 $119,450 (10.4%) $132,399 (1.4%) 0.00 50
    2022-01-01 $125,000 (33.2%) $135,441 (8.7%) 0.00 44
    2022-02-01 $130,750 (63.6%) $145,604 (38.1%) 0.00 33
    2022-03-01 $120,750 (49.8%) $136,269 (35.9%) 0.00 32
    2022-04-01 $135,000 (83.1%) $152,754 (60.7%) 0.00 38
    2022-05-01 $128,000 (44.2%) $134,694 (20.3%) 0.00 37
    2022-06-01 $127,500 (18.2%) $145,642 (24.9%) 0.00 42
    2022-07-01 $124,500 (52.8%) $149,711 (33.5%) 0.00 52
    2022-08-01 $115,175 (24.5%) $131,276 (8.5%) 0.00 54
    2022-09-01 $109,950 (-5.0%) $131,482 (-5.0%) 0.00 56
    2022-10-01 $119,900 (-0.1%) $137,148 (-3.1%) 0.00 62
    2022-11-01 $125,950 (7.9%) $147,166 (10.4%) 0.00 65
    2022-12-01 $125,000 (4.7%) $145,655 (10.0%) 0.00 61
    2023-01-01 $118,725 (-5.0%) $139,155 (2.7%) 0.00 55
    2023-02-01 $110,450 (-15.5%) $135,728 (-6.8%) 0.00 55
    2023-03-01 $141,165 (16.9%) $143,699 (5.5%) 0.00 56
    2023-04-01 $160,000 (18.5%) $156,701 (2.6%) 0.00 58
    2023-05-01 $165,000 (28.9%) $174,459 (29.5%) 0.00 54
    2023-06-01 $193,750 (52.0%) $184,678 (26.8%) 0.00 50
    2023-07-01 $166,750 (33.9%) $177,100 (18.3%) 0.00 43
    2023-08-01 $149,021 (29.4%) $176,076 (34.1%) 0.00 53
    2023-09-01 $165,000 (50.1%) $179,071 (36.2%) 0.00 56
    2023-10-01 $155,500 (29.7%) $180,574 (31.7%) 0.00 56
    Borger's median listing price for 2023-10-01 was $155,500, a difference of $35,600 (29.7%) versus the prior year and $-9,500 versus the prior month.

    Borger's median listing price comes in at 0% of the national average.

    Borger's average listing price for 2023-10-01 was $180,574, a difference of $43,426 (31.7%) versus the prior year and $1,503 versus the prior month.

    For the 2023-10-01 period, Borger had 56 MLS listings, a difference of 0 listings (0%) versus the prior month and -6 listings (-10%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Borger (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,595 sqft
    2018-02-01 0 days 1,519 sqft
    2018-03-01 0 days 1,537 sqft
    2018-04-01 0 days 1,557 sqft
    2018-05-01 0 days 1,584 sqft
    2018-06-01 0 days 1,562 sqft
    2018-07-01 0 days 1,548 sqft
    2018-08-01 0 days 1,620 sqft
    2018-09-01 0 days 1,598 sqft
    2018-10-01 0 days 1,579 sqft
    2018-11-01 0 days 1,577 sqft
    2018-12-01 0 days 1,568 sqft
    2019-01-01 0 days 1,478 sqft
    2019-02-01 0 days 1,626 sqft
    2019-03-01 0 days 1,563 sqft
    2019-04-01 0 days 1,642 sqft
    2019-05-01 0 days 1,558 sqft
    2019-06-01 0 days 1,585 sqft
    2019-07-01 0 days 1,595 sqft
    2019-08-01 0 days 1,508 sqft
    2019-09-01 0 days 1,443 sqft
    2019-10-01 0 days 1,390 sqft
    2019-11-01 0 days 1,379 sqft
    2019-12-01 0 days 1,360 sqft
    2020-01-01 0 days 1,361 sqft
    2020-02-01 0 days 1,348 sqft
    2020-03-01 0 days 1,348 sqft
    2020-04-01 0 days 1,381 sqft
    2020-05-01 0 days 1,558 sqft
    2020-06-01 0 days 1,519 sqft
    2020-07-01 0 days 1,504 sqft
    2020-08-01 0 days 1,648 sqft
    2020-09-01 0 days 1,770 sqft
    2020-10-01 0 days 1,740 sqft
    2020-11-01 0 days 1,789 sqft
    2020-12-01 0 days 1,776 sqft
    2021-01-01 0 days 1,599 sqft
    2021-02-01 0 days 1,462 sqft
    2021-03-01 0 days 1,405 sqft
    2021-04-01 0 days 1,281 sqft
    2021-05-01 0 days 1,438 sqft
    2021-06-01 0 days 1,513 sqft
    2021-07-01 0 days 1,361 sqft
    2021-08-01 0 days 1,454 sqft
    2021-09-01 0 days 1,688 sqft
    2021-10-01 0 days 1,682 sqft
    2021-11-01 0 days 1,546 sqft
    2021-12-01 0 days 1,650 sqft
    2022-01-01 0 days 1,747 sqft
    2022-02-01 0 days 1,835 sqft
    2022-03-01 0 days 1,579 sqft
    2022-04-01 0 days 1,816 sqft
    2022-05-01 0 days 1,734 sqft
    2022-06-01 0 days 1,667 sqft
    2022-07-01 0 days 1,647 sqft
    2022-08-01 0 days 1,566 sqft
    2022-09-01 0 days 1,455 sqft
    2022-10-01 0 days 1,449 sqft
    2022-11-01 0 days 1,600 sqft
    2022-12-01 0 days 1,568 sqft
    2023-01-01 0 days 1,486 sqft
    2023-02-01 0 days 1,482 sqft
    2023-03-01 0 days 1,518 sqft
    2023-04-01 0 days 1,673 sqft
    2023-05-01 0 days 1,796 sqft
    2023-06-01 0 days 1,829 sqft
    2023-07-01 0 days 1,703 sqft
    2023-08-01 0 days 1,550 sqft
    2023-09-01 0 days 1,648 sqft
    2023-10-01 0 days 1,683 sqft
    Borger's median listing age (time on market) for 2023-10-01 was 0 days.

    Borger's median square footage for active listings during the 2023-10-01 period was 1,683 sqft. One year prior, the average listing was 1,449 sqft.

    Borger, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 259 $35,345,000 $136,467
    Cash Out Refi 50 $5,180,000 $103,600
    Refi 22 $2,640,000 $120,000
    Other 14 $950,000 $67,857
    Home Improvement 8 $510,000 $63,750

    Borger's most frequently cited loan purpose was Home Purchase, with 259 originations. The 2nd most popular reason was Cash Out Refi, with 50 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 91 $12,805,000 $140,714
    6-7% 64 $8,540,000 $133,438
    3-4% 57 $7,625,000 $133,772
    4-5% 55 $7,505,000 $136,455
    7-8% 33 $3,505,000 $106,212
    2.5-3% 16 $2,050,000 $128,125
    Over 8% 10 $760,000 $76,000
    <2.5% 5 $495,000 $99,000

    During 2022, Borger's most frequently originated rate bucket was 5-6%, with 91 originations.

    Loan Sizing (Borger, TX MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 151 $21,305,000 $141,093
    $100,000 or less 150 $9,340,000 $62,267
    $200k-400k 51 $13,565,000 $265,980
    $400k-600k 1 $415,000 $415,000

    Borger's loan sizing saw the bucket of loans from $100k-200k with 151 originations, totaling $21,305,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 211 $30,035,000 $142,346
    60-80% 75 $9,235,000 $123,133
    40-60% 27 $2,525,000 $93,519
    20-40% 8 $450,000 $56,250
    Under 20% 6 $130,000 $21,667
    Over 100% 4 $910,000 $227,500

    Borger's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 211 originations, totaling $30,035,000 in origination value.