CORPUS CHRISTI Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Corpus Christi averaged
6.66%
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
6.99% and
one month ago for the week of 2025-05-15, the
average rate was 6.76%.
Corpus Christi's average rate one year ago was 6.8%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.54%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Corpus Christi 30 Year Fixed Rate | 2025-06-18 | 6.66% |
| Corpus Christi 30 Year Fixed Rate Refi | 2025-06-18 | 7.54% |
| Corpus Christi 15 Year Fixed Rate | 2025-06-18 | 6.75% |
| Corpus Christi 15 Year Fixed Rate Refi | 2025-06-18 | 6.06% |
| Corpus Christi 30 Year FHA | 2025-06-18 | -0.55% |
| Corpus Christi 30 Year FHA Refi | 2025-06-18 | 0% |
| Corpus Christi 30 Year USDA | 2025-06-18 | -0.1% |
| Corpus Christi 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Corpus Christi 30 Year VA | 2025-06-18 | -0.22% |
| Corpus Christi 30 Year VA Refi | 2025-06-18 | -0.64% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CORPUS CHRISTI, TX.
CORPUS CHRISTI 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 CORPUS CHRISTI, 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.).
CORPUS CHRISTI Average Closing Costs & Other Stats
CORPUS CHRISTI, TX's 202 lenders originated 6,280
loans during 2024. The total origination value was $1,751,350,000, with an average loan value of
$278,877.
CORPUS CHRISTI's average closing costs are $6,499.
The top CORPUS CHRISTI lender as defined by loan originations is NAVY ARMY COMMUNITY CREDIT UNION, with
261 loans originated. Their average total fees are
$3,883, which is $3,606
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee CORPUS CHRISTI lenders (with over 10 loans originated) are
RANDOLPH-BROOKS ($2,626), DHI MORTGAGE COMPANY, LTD. ($3,601), NAVY ARMY COMMUNITY CREDIT UNION ($3,883), Prosperity Bank ($4,328) and EAGLE HOME MORTGAGE, LLC ($4,454).
The lowest rate CORPUS CHRISTI lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.00%), Frost Bank (5.04%), DHI MORTGAGE COMPANY, LTD. (5.68%), PROVIDENT FUNDING ASSOCIATES, L.P. (6.20%) and Bank of America (6.46%).
CORPUS CHRISTI, 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 |
|---|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | $106,105,000 | $128,650,000 | 21.2% | 7.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $83,995,000 | $115,005,000 | 36.9% | 6.6% |
| NAVY ARMY COMMUNITY CREDIT UNION | $108,950,000 | $104,410,000 | -4.2% | 6.0% |
| QUICKEN LOANS, LLC | $58,850,000 | $72,190,000 | 22.7% | 4.1% |
| American Bank | $49,180,000 | $55,595,000 | 13.0% | 3.2% |
| Mortgage Research Center, LLC | $40,210,000 | $49,090,000 | 22.1% | 2.8% |
| EAGLE HOME MORTGAGE, LLC | $12,200,000 | $48,805,000 | 300.0% | 2.8% |
| GARDNER FINANCIAL SERVICES, LTD. | $50,895,000 | $42,540,000 | -16.4% | 2.4% |
| Prudential Huntoon Paige Associates, LLC | $39,930,000 | n/a | 2.3% | |
| FREEDOM MORTGAGE CORPORATION | $8,200,000 | $39,110,000 | 377.0% | 2.2% |
| NAVY FEDERAL CREDIT UNION | $44,980,000 | $35,710,000 | -20.6% | 2.0% |
| First Community Bank | $63,015,000 | $35,365,000 | -43.9% | 2.0% |
| JPMorgan Chase Bank | $12,020,000 | $34,210,000 | 184.6% | 2.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $43,375,000 | $32,970,000 | -24.0% | 1.9% |
| GUILD MORTGAGE COMPANY | $35,060,000 | $32,190,000 | -8.2% | 1.8% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $17,530,000 | $25,590,000 | 46.0% | 1.5% |
| Merchants Capital Corp. | $24,305,000 | n/a | 1.4% | |
| MID AMERICA MORTGAGE, INC. | $20,775,000 | $23,870,000 | 14.9% | 1.4% |
| CMG MORTGAGE, INC. | $31,850,000 | $21,340,000 | -33.0% | 1.2% |
| RANDOLPH-BROOKS | $18,640,000 | $20,890,000 | 12.1% | 1.2% |
| Simmons Bank | $15,705,000 | $20,235,000 | 28.8% | 1.2% |
| Prosperity Bank | $36,185,000 | $19,865,000 | -45.1% | 1.1% |
| U.S. Bank | $14,765,000 | $19,390,000 | 31.3% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $9,485,000 | $18,685,000 | 97.0% | 1.1% |
| M&T Realty Capital Corporation | $17,995,000 | n/a | 1.0% | |
| GUARANTEED RATE, INC. | $5,350,000 | $17,870,000 | 234.0% | 1.0% |
| BROKER SOLUTIONS, INC. | $7,075,000 | $16,250,000 | 129.7% | 0.9% |
| Bank of America | $12,605,000 | $15,185,000 | 20.5% | 0.9% |
| LEGEND LENDING CORPORATION | $10,360,000 | $15,180,000 | 46.5% | 0.9% |
| Extraco Banks | $7,370,000 | $14,660,000 | 98.9% | 0.8% |
| Frost Bank | $11,445,000 | $14,135,000 | 23.5% | 0.8% |
| SECURITY SERVICE | $16,885,000 | $12,970,000 | -23.2% | 0.7% |
| Gateway First Bank | $13,345,000 | $12,905,000 | -3.3% | 0.7% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $18,125,000 | $12,370,000 | -31.8% | 0.7% |
| Regions Bank | $3,045,000 | $12,105,000 | 297.5% | 0.7% |
| NEWREZ LLC | $19,645,000 | $10,990,000 | -44.1% | 0.6% |
| UNION HOME MORTGAGE CORP. | $13,010,000 | $10,965,000 | -15.7% | 0.6% |
| GULF COAST | $10,705,000 | $10,750,000 | 0.4% | 0.6% |
| EVERETT FINANCIAL, INC. | $5,215,000 | $10,105,000 | 93.8% | 0.6% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $9,080,000 | $10,090,000 | 11.1% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $5,870,000 | $9,725,000 | 65.7% | 0.6% |
| Kleberg Bank, N.A | $4,090,000 | $9,660,000 | 136.2% | 0.6% |
| GREYSTONE SERVICING COMPANY LLC | $9,625,000 | n/a | 0.5% | |
| USAA Federal Savings Bank | $10,145,000 | $9,530,000 | -6.1% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $3,925,000 | $9,055,000 | 130.7% | 0.5% |
| COASTAL COMMUNITY AND TEACHERS Credit Union | $6,685,000 | $8,815,000 | 31.9% | 0.5% |
| 21ST MORTGAGE CORPORATION | $6,775,000 | $8,795,000 | 29.8% | 0.5% |
| CHARTER BANK | $8,660,000 | $8,745,000 | 1.0% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $20,360,000 | $8,660,000 | -57.5% | 0.5% |
| LOANDEPOT.COM, LLC | $7,890,000 | $8,520,000 | 8.0% | 0.5% |
| Wells Fargo Bank | $19,485,000 | $7,865,000 | -59.6% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $7,775,000 | n/a | 0.4% | |
| FIRST STATE BANK | $6,825,000 | n/a | 0.4% | |
| MidFirst Bank | $175,000 | $6,650,000 | 3,700.0% | 0.4% |
| DAS Acquisition Company, LLC | $1,475,000 | $6,410,000 | 334.6% | 0.4% |
| First National Bank Texas | $3,220,000 | $5,760,000 | 78.9% | 0.3% |
| Equity Prime Mortgage LLC | $2,105,000 | $5,630,000 | 167.5% | 0.3% |
| Flagstar Bank, FSB | $8,160,000 | $5,240,000 | -35.8% | 0.3% |
| HOMEXPRESS MORTGAGE CORP. | $7,070,000 | $4,910,000 | -30.6% | 0.3% |
| BancorpSouth | $8,310,000 | $4,770,000 | -42.6% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $1,495,000 | $4,355,000 | 191.3% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $5,770,000 | $4,290,000 | -25.6% | 0.2% |
| First United Bank and Trust Company | $7,200,000 | $4,190,000 | -41.8% | 0.2% |
| International Bank of Commerce | $11,115,000 | $4,190,000 | -62.3% | 0.2% |
| The Loan Store, Inc. | $235,000 | $4,120,000 | 1,653.2% | 0.2% |
| Arbor Realty Trust, Inc. | $31,980,000 | $4,045,000 | -87.4% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $3,150,000 | $3,970,000 | 26.0% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $2,675,000 | $3,915,000 | 46.4% | 0.2% |
| SFMC, LP | $595,000 | $3,665,000 | 516.0% | 0.2% |
| Broadway National Bank | $7,750,000 | $3,615,000 | -53.4% | 0.2% |
| UNIVERSITY Federal Credit Union | $3,065,000 | $3,615,000 | 17.9% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $3,015,000 | $3,585,000 | 18.9% | 0.2% |
| Raymond James Bank | $705,000 | $3,550,000 | 403.5% | 0.2% |
| LOANPEOPLE, LLC | $4,425,000 | $3,500,000 | -20.9% | 0.2% |
| Century Mortgage Company DBA Century Lending Company | $1,880,000 | $3,485,000 | 85.4% | 0.2% |
| Farm Credit Mid-America, ACA | $3,065,000 | $3,420,000 | 11.6% | 0.2% |
| IBC Brownsville | $320,000 | $3,310,000 | 934.4% | 0.2% |
| PlainsCapital Bank | $1,230,000 | $3,215,000 | 161.4% | 0.2% |
| SWBC MORTGAGE CORPORATION | $1,800,000 | $3,205,000 | 78.1% | 0.2% |
| CORNERSTONE HOME LENDING, INC. | $3,240,000 | $3,175,000 | -2.0% | 0.2% |
| AMWEST FUNDING CORP. | $1,370,000 | $3,165,000 | 131.0% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $255,000 | $3,035,000 | 1,090.2% | 0.2% |
| PILGRIM MORTGAGE LLC | $1,580,000 | $2,995,000 | 89.6% | 0.2% |
| PLANET HOME LENDING, LLC | $1,205,000 | $2,940,000 | 144.0% | 0.2% |
| OCMBC, INC. | $3,955,000 | $2,910,000 | -26.4% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $7,610,000 | $2,875,000 | -62.2% | 0.2% |
| Hamilton Mortgage Corporation | $610,000 | $2,855,000 | 368.0% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $5,055,000 | $2,850,000 | -43.6% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $2,105,000 | $2,775,000 | 31.8% | 0.2% |
| Network Funding, L.P. | $4,085,000 | $2,765,000 | -32.3% | 0.2% |
| AmeriHome Mortgage Company, LLC | $350,000 | $2,720,000 | 677.1% | 0.2% |
| CARDINAL FINANCIAL | $4,635,000 | $2,715,000 | -41.4% | 0.2% |
| PNC Bank | $3,315,000 | $2,680,000 | -19.2% | 0.2% |
| NBKC BANK | $690,000 | $2,660,000 | 285.5% | 0.2% |
| NexBank | $3,405,000 | $2,580,000 | -24.2% | 0.1% |
| Lamar National Bank | $2,575,000 | n/a | 0.1% | |
| Affiliated Bank | $3,275,000 | $2,555,000 | -22.0% | 0.1% |
| MOVEMENT MORTGAGE, LLC | $3,930,000 | $2,545,000 | -35.2% | 0.1% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $4,700,000 | $2,535,000 | -46.1% | 0.1% |
| NFM, INC. | $2,410,000 | $2,465,000 | 2.3% | 0.1% |
| MORTGAGE FINANCIAL SERVICES, LLC | $620,000 | $2,445,000 | 294.4% | 0.1% |
| First Horizon Bank | $1,000,000 | $2,375,000 | 137.5% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $1,260,000 | $2,370,000 | 88.1% | 0.1% |
| T2 FINANCIAL LLC | $4,140,000 | $2,325,000 | -43.8% | 0.1% |
| First Federal Bank | $2,290,000 | n/a | 0.1% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $2,075,000 | $2,230,000 | 7.5% | 0.1% |
| HOME FINANCING UNLIMITED, INC. | $725,000 | $2,230,000 | 207.6% | 0.1% |
| MEMBERS FIRST CREDIT UNION | $5,050,000 | $2,110,000 | -58.2% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,385,000 | $2,075,000 | 49.8% | 0.1% |
| First Financial Bank | $1,135,000 | $2,070,000 | 82.4% | 0.1% |
| Encompass Lending Group, LP | $2,065,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $565,000 | $2,050,000 | 262.8% | 0.1% |
| SUMMIT FUNDING, INC. | $235,000 | $1,980,000 | 742.6% | 0.1% |
| Plains Commerce Bank | $2,335,000 | $1,965,000 | -15.8% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $790,000 | $1,930,000 | 144.3% | 0.1% |
| Hometown Equity Mortgage, LLC | $125,000 | $1,920,000 | 1,436.0% | 0.1% |
| MEMBER HOME LOAN, L.L.C. | $2,185,000 | $1,920,000 | -12.1% | 0.1% |
| Sierra Pacific Mortgage Company, Inc. | $1,900,000 | n/a | 0.1% | |
| Falcon International Bank | $1,505,000 | $1,855,000 | 23.3% | 0.1% |
| Truist | $3,930,000 | $1,840,000 | -53.2% | 0.1% |
| ZILLOW HOME LOANS, LLC | $1,750,000 | $1,830,000 | 4.6% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $1,720,000 | $1,825,000 | 6.1% | 0.1% |
| SeaTrust Mortgage Company | $1,295,000 | $1,815,000 | 40.2% | 0.1% |
| NEXERA HOLDING LLC | $410,000 | $1,800,000 | 339.0% | 0.1% |
| UNITED BUILT HOMES, L.L.C. | $1,865,000 | $1,795,000 | -3.8% | 0.1% |
| CIBC Bank USA | $1,760,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL NETWORK, INC. | $195,000 | $1,740,000 | 792.3% | 0.1% |
| BETTER MORTGAGE CORPORATION | $450,000 | $1,700,000 | 277.8% | 0.1% |
| Nations Lending Corporation | $530,000 | $1,680,000 | 217.0% | 0.1% |
| DIRECTIONS EQUITY, LLC | $2,040,000 | $1,670,000 | -18.1% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $1,110,000 | $1,665,000 | 50.0% | 0.1% |
| JMAC LENDING, INC. | $225,000 | $1,665,000 | 640.0% | 0.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $650,000 | $1,610,000 | 147.7% | 0.1% |
| LENDSURE MORTGAGE CORP. | $1,120,000 | $1,535,000 | 37.1% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,935,000 | $1,535,000 | -20.7% | 0.1% |
| TEXAS DOW EMPLOYEES CREDIT UNION | $2,305,000 | $1,535,000 | -33.4% | 0.1% |
| Citadel Servicing Corporation | $2,155,000 | $1,480,000 | -31.3% | 0.1% |
| Wallick & Volk, Inc. | $855,000 | $1,465,000 | 71.3% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $4,810,000 | $1,420,000 | -70.5% | 0.1% |
| Centennial Bank | $1,525,000 | $1,380,000 | -9.5% | 0.1% |
| SENTE MORTGAGE, INC. | $250,000 | $1,380,000 | 452.0% | 0.1% |
| City Bank | $1,360,000 | n/a | 0.1% | |
| SYNERGY FEDERAL CREDIT UNION | $2,100,000 | $1,325,000 | -36.9% | 0.1% |
| ValueBank Texas | $3,215,000 | $1,325,000 | -58.8% | 0.1% |
| Ciera Bank | $1,295,000 | n/a | 0.1% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $620,000 | $1,280,000 | 106.5% | 0.1% |
| V.I.P. MORTGAGE, INC. | $840,000 | $1,265,000 | 50.6% | 0.1% |
| Presidential Bank, FSB | $435,000 | $1,250,000 | 187.4% | 0.1% |
| Discover Bank | $1,070,000 | $1,235,000 | 15.4% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $4,790,000 | $1,220,000 | -74.5% | 0.1% |
| Quad City Bank and Trust Company | $1,185,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $850,000 | $1,175,000 | 38.2% | 0.1% |
| Armed Forces Bank | $165,000 | $1,140,000 | 590.9% | 0.1% |
| ARC HOME LLC | $665,000 | $1,135,000 | 70.7% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $1,400,000 | $1,125,000 | -19.6% | 0.1% |
| PHH Mortgage Corporation | $465,000 | $1,105,000 | 137.6% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $1,375,000 | $1,085,000 | -21.1% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,030,000 | $1,080,000 | 4.9% | 0.1% |
| BOKF | $330,000 | $1,075,000 | 225.8% | 0.1% |
| Morgan Stanley Private Bank | $385,000 | $1,075,000 | 179.2% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,935,000 | $1,045,000 | -46.0% | 0.1% |
| CANOPY MORTGAGE, LLC | $1,210,000 | $1,045,000 | -13.6% | 0.1% |
| First Bank | $1,040,000 | n/a | 0.1% | |
| DOMINION FINANCIAL SERVICES, LLC | $165,000 | $1,015,000 | 515.2% | 0.1% |
| Toyota Financial Savings Bank | $1,015,000 | n/a | 0.1% | |
| The City National Bank of Sulphur Springs | $1,005,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $1,065,000 | $995,000 | -6.6% | 0.1% |
| NMSI, INC. | $215,000 | $995,000 | 362.8% | 0.1% |
| ENCORE BANK | $1,560,000 | $990,000 | -36.5% | 0.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,105,000 | $990,000 | -10.4% | 0.1% |
| BAY EQUITY LLC | $285,000 | $975,000 | 242.1% | 0.1% |
| Texas Bank and Trust Company | $935,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $1,555,000 | $925,000 | -40.5% | 0.1% |
| Pinnacle Bank | $905,000 | n/a | 0.1% | |
| LOANPAL, LLC | $1,385,000 | $895,000 | -35.4% | 0.1% |
| SPRING EQ, LLC | $235,000 | $885,000 | 276.6% | 0.1% |
| The Bank & Trust | $885,000 | n/a | 0.1% | |
| Alcova Mortgage LLC | $225,000 | $865,000 | 284.4% | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | $760,000 | $860,000 | 13.2% | 0.0% |
| GoPrime Mortgage, Inc. | $850,000 | n/a | 0.0% | |
| Benchmark Bank | $815,000 | n/a | 0.0% | |
| DELTA COMMUNITY CREDIT UNION | $805,000 | n/a | 0.0% | |
| Ally Bank | $145,000 | $800,000 | 451.7% | 0.0% |
| Loan Simple, Inc. | $2,400,000 | $790,000 | -67.1% | 0.0% |
| Commerce Home Mortgage, Inc. | $1,105,000 | $780,000 | -29.4% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $1,300,000 | $775,000 | -40.4% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $2,835,000 | $775,000 | -72.7% | 0.0% |
| The Huntington National Bank | $405,000 | $765,000 | 88.9% | 0.0% |
| SIRVA MORTGAGE, INC. | $935,000 | $760,000 | -18.7% | 0.0% |
| The Falls City National Bank | $470,000 | $750,000 | 59.6% | 0.0% |
| FIRST NATIONAL BANK OF WEATHERFORD | $735,000 | n/a | 0.0% | |
| First Western Trust Bank | $335,000 | $705,000 | 110.4% | 0.0% |
| The First National Bank of McGregor | $705,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $175,000 | $700,000 | 300.0% | 0.0% |
| First National Bank | $635,000 | n/a | 0.0% | |
| NATIONS DIRECT MORTGAGE, LLC | $635,000 | n/a | 0.0% | |
| Texas Heritage Bank | $830,000 | $635,000 | -23.5% | 0.0% |
| Florida Capital Bank | $895,000 | $620,000 | -30.7% | 0.0% |
| FirstBank Southwest | $605,000 | n/a | 0.0% | |
| First Merchants Bank | $605,000 | n/a | 0.0% | |
| Jonah Bank of Wyoming | $605,000 | n/a | 0.0% | |
| SOUTHWEST FUNDING, LP | $600,000 | n/a | 0.0% | |
| AMPLIFY | $225,000 | $595,000 | 164.4% | 0.0% |
| MICHIGAN MUTUAL, INC. | $125,000 | $595,000 | 376.0% | 0.0% |
| The Evangeline Bank & Trust Company | $595,000 | n/a | 0.0% | |
| Northpointe Bank | $1,155,000 | $590,000 | -48.9% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $685,000 | $580,000 | -15.3% | 0.0% |
| Zions Bank | $4,485,000 | $580,000 | -87.1% | 0.0% |
| Citibank | $575,000 | n/a | 0.0% | |
| Greenbox Loans, Inc. | $575,000 | n/a | 0.0% | |
| Renasant Bank | $575,000 | n/a | 0.0% | |
| American National Bank & Trust | $965,000 | $555,000 | -42.5% | 0.0% |
| Ameris Bank | $285,000 | $555,000 | 94.7% | 0.0% |
| AUSTIN TELCO Federal Credit Union | $555,000 | n/a | 0.0% | |
| A+ Federal Credit Union | $680,000 | $545,000 | -19.9% | 0.0% |
| American Airlines Federal Credit Union | $235,000 | $530,000 | 125.5% | 0.0% |
| GENEVA FINANCIAL, LLC | $115,000 | $530,000 | 360.9% | 0.0% |
| First Option Mortgage, LLC | $525,000 | n/a | 0.0% | |
| ALAMEDA MORTGAGE CORPORATION | $505,000 | n/a | 0.0% | |
| Third Coast Bank SSB | $1,005,000 | $495,000 | -50.7% | 0.0% |
| GREATER TEXAS FEDERAL CREDIT UNION | $490,000 | n/a | 0.0% | |
| ALLIED MORTGAGE GROUP, INC. | $480,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $755,000 | $480,000 | -36.4% | 0.0% |
| EECU | $215,000 | $470,000 | 118.6% | 0.0% |
| TOWNE MORTGAGE COMPANY | $450,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $445,000 | n/a | 0.0% | |
| RB MORTGAGE LLC | $1,695,000 | $440,000 | -74.0% | 0.0% |
| Republic State Mortgage Co. | $480,000 | $440,000 | -8.3% | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | $435,000 | n/a | 0.0% | |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $430,000 | n/a | 0.0% | |
| LENDINGONE, LLC | $325,000 | $430,000 | 32.3% | 0.0% |
| MORIA DEVELOPMENT, INC. | $430,000 | n/a | 0.0% | |
| COMMUNITY RESOURCE CREDIT UNION | $350,000 | $425,000 | 21.4% | 0.0% |
| Baxter Credit Union | $420,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $405,000 | n/a | 0.0% | |
| CHEVRON | $405,000 | n/a | 0.0% | |
| ENVOY MORTGAGE, LTD | $205,000 | $405,000 | 97.6% | 0.0% |
| First State Bank | $405,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $590,000 | $400,000 | -32.2% | 0.0% |
| North American Savings Bank, F.S.B. | $400,000 | n/a | 0.0% | |
| 1ST FINANCIAL, INC. | $395,000 | n/a | 0.0% | |
| Bell Bank | $375,000 | $395,000 | 5.3% | 0.0% |
| H E B | $355,000 | $395,000 | 11.3% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $325,000 | $390,000 | 20.0% | 0.0% |
| Jefferson Bank | $4,010,000 | $390,000 | -90.3% | 0.0% |
| NATIONS RELIABLE LENDING, LLC | $515,000 | $390,000 | -24.3% | 0.0% |
| BancFirst | $355,000 | n/a | 0.0% | |
| NBH Bank | $350,000 | n/a | 0.0% | |
| Watermark Capital, Inc. | $275,000 | $345,000 | 25.5% | 0.0% |
| Brighton Bank | $335,000 | n/a | 0.0% | |
| INTERNATIONAL CITY MORTGAGE, INC. | $330,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $325,000 | n/a | 0.0% | |
| MORTGAGE ACCESS CORP. | $325,000 | n/a | 0.0% | |
| First Texas Bank | $315,000 | n/a | 0.0% | |
| BMO Harris Bank | $1,365,000 | $305,000 | -77.7% | 0.0% |
| Herring Bank | $305,000 | n/a | 0.0% | |
| HOMETRUST MORTGAGE COMPANY | $255,000 | $305,000 | 19.6% | 0.0% |
| PREMIA MORTGAGE, LLC | $1,135,000 | $305,000 | -73.1% | 0.0% |
| RBC Bank, (Georgia) | $300,000 | n/a | 0.0% | |
| Charles Schwab Bank, SSB | $285,000 | n/a | 0.0% | |
| GMFS LLC | $285,000 | n/a | 0.0% | |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $285,000 | n/a | 0.0% | |
| Logan Finance Corporation | $280,000 | n/a | 0.0% | |
| RF Renovo Management Company, LLC | $1,110,000 | $280,000 | -74.8% | 0.0% |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | $155,000 | $275,000 | 77.4% | 0.0% |
| Integrity Home Mortgage Corp | $275,000 | n/a | 0.0% | |
| M&T Bank | $305,000 | $275,000 | -9.8% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $275,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $270,000 | n/a | 0.0% | |
| Guaranty Bank & Trust, N.A. | $1,140,000 | $270,000 | -76.3% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $455,000 | $265,000 | -41.8% | 0.0% |
| Meridian Bank Corporation | $265,000 | n/a | 0.0% | |
| Texas Regional Bank | $215,000 | $265,000 | 23.3% | 0.0% |
| Figure Lending LLC | $260,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $405,000 | $255,000 | -37.0% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $630,000 | $255,000 | -59.5% | 0.0% |
| Golden Empire Mortgage, Inc. | $255,000 | n/a | 0.0% | |
| Credit Union of Texas | $250,000 | n/a | 0.0% | |
| Atlantic Union Bank | $235,000 | n/a | 0.0% | |
| CERTIFIED FUNDING, L.P. | $145,000 | $235,000 | 62.1% | 0.0% |
| Citizens Bank | $2,380,000 | $235,000 | -90.1% | 0.0% |
| First National Bank of Bosque County | $235,000 | n/a | 0.0% | |
| HOMESTEAD FUNDING CORP. | $375,000 | $235,000 | -37.3% | 0.0% |
| Sunflower Bank | $4,035,000 | $235,000 | -94.2% | 0.0% |
| First Commercial Bank | $420,000 | $225,000 | -46.4% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $390,000 | $225,000 | -42.3% | 0.0% |
| Grandview Bank | $225,000 | n/a | 0.0% | |
| WESTSTAR MORTGAGE CORPORATION | $225,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $1,245,000 | $215,000 | -82.7% | 0.0% |
| MLD MORTGAGE INC. | $205,000 | n/a | 0.0% | |
| PROPER RATE, LLC | $205,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $315,000 | $205,000 | -34.9% | 0.0% |
| Royal Credit Union | $205,000 | n/a | 0.0% | |
| Axos Bank | $185,000 | n/a | 0.0% | |
| CONSUMERS COOPERATIVE CREDIT UNION | $185,000 | n/a | 0.0% | |
| University Bank | $175,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $250,000 | $170,000 | -32.0% | 0.0% |
| Frontier Bank of Texas | $165,000 | n/a | 0.0% | |
| DIRECT MORTGAGE LOANS, LLC | $155,000 | n/a | 0.0% | |
| FIRST SERVICE Credit Union | $125,000 | $155,000 | 24.0% | 0.0% |
| Bank of England | $660,000 | $145,000 | -78.0% | 0.0% |
| CSL Financial, LLC | $335,000 | $140,000 | -58.2% | 0.0% |
| AXIA FINANCIAL, LLC | $1,585,000 | $135,000 | -91.5% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $135,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $710,000 | $135,000 | -81.0% | 0.0% |
| FirstBank | $130,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $475,000 | $125,000 | -73.7% | 0.0% |
| Beeline Loans, Inc. | $105,000 | $125,000 | 19.0% | 0.0% |
| CAPITAL CONCEPTS, INC. | $135,000 | $125,000 | -7.4% | 0.0% |
| Gate City Bank | $125,000 | n/a | 0.0% | |
| MEMBERS TRUST OF THE SOUTHWEST FCU | $125,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $115,000 | n/a | 0.0% | |
| LEADERONE FINANCIAL CORPORATION | $670,000 | $115,000 | -82.8% | 0.0% |
| CHARTWAY FEDERAL CREDIT UNION | $105,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $105,000 | n/a | 0.0% | |
| Stifel Bank and Trust | $105,000 | n/a | 0.0% | |
| United Heritage Credit Union | $105,000 | n/a | 0.0% | |
| ALL REVERSE MORTGAGE, INC. | $115,000 | $95,000 | -17.4% | 0.0% |
| Semper Home Loans, Inc. | $95,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $95,000 | n/a | 0.0% | |
| Ixonia Bank | $1,540,000 | $85,000 | -94.5% | 0.0% |
| NEXUS SERIES B, LLC | $1,175,000 | $85,000 | -92.8% | 0.0% |
| Generations Community Federal Credit Union | $75,000 | n/a | 0.0% | |
| 1ST COMMUNITY FEDERAL CREDIT UNION | $65,000 | n/a | 0.0% | |
| CAPITOL CREDIT UNION | $55,000 | n/a | 0.0% | |
| Crossroads Bank | $35,000 | n/a | 0.0% | |
| SHELL FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
| NEW FED MORTGAGE, CORP. | $15,000 | n/a | 0.0% |
CORPUS CHRISTI's top lender by overall market share is DHI MORTGAGE COMPANY, LTD., with 7.3% market share. In second place, with 6.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $115,005,000 in loans. In third place, with 6.0%, is NAVY ARMY COMMUNITY CREDIT UNION, having originated $104,410,000 in loans. In fourth place, with 4.1%, is QUICKEN LOANS, LLC, having originated $72,190,000 in loans. In fifth place, with 3.2%, is American Bank, having originated $55,595,000 in loans.
CORPUS CHRISTI, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 4,425 | $1,324,845,000 | $299,400 |
| Cash Out Refi | 675 | $110,905,000 | $164,304 |
| Refi | 600 | $239,150,000 | $398,583 |
| Other | 333 | $34,335,000 | $103,108 |
| Home Improvement | 246 | $42,030,000 | $170,854 |
| NA | 1 | $85,000 | $85,000 |
Corpus Christi's most frequently cited loan purpose was Home Purchase, with 4,425 originations. The 2nd most popular reason was Cash Out Refi, with 675 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 2,214 | $643,210,000 | $290,519 |
| 7-8% | 1,271 | $314,595,000 | $247,518 |
| 5-6% | 1,056 | $328,320,000 | $310,909 |
| Over 8% | 755 | $119,975,000 | $158,907 |
| 4-5% | 396 | $138,420,000 | $349,545 |
| 3-4% | 53 | $9,995,000 | $188,585 |
| <2.5% | 51 | $3,335,000 | $65,392 |
| 2.5-3% | 11 | $3,275,000 | $297,727 |
During 2024, Corpus Christi's most frequently originated rate bucket was 6-7%, with 2,214 originations.
Loan Sizing (CORPUS CHRISTI, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 2,847 | $795,245,000 | $279,327 |
| $100k-200k | 1,627 | $246,635,000 | $151,589 |
| $100,000 or less | 943 | $51,415,000 | $54,523 |
| $400k-600k | 564 | $268,240,000 | $475,603 |
| $600k-1000k | 218 | $161,630,000 | $741,422 |
| $Over $1MM | 81 | $228,185,000 | $2,817,099 |
CORPUS CHRISTI's loan sizing saw the bucket of loans from $200k-400k with 2,847 originations, totaling $795,245,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 3,114 | $895,180,000 | $287,469 |
| 60-80% | 1,250 | $406,070,000 | $324,856 |
| 40-60% | 420 | $110,550,000 | $263,214 |
| 20-40% | 408 | $48,260,000 | $118,284 |
| Under 20% | 363 | $14,865,000 | $40,950 |
| Over 100% | 165 | $51,895,000 | $314,515 |
CORPUS CHRISTI's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 3,114 originations, totaling $895,180,000 in origination value.