Eagle Pass Mortgage Rates

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

30 Year Fixed Rate mortgages in Eagle Pass averaged 6.18% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 6.05% and one month ago for the week of 2022-05-19, the average rate was 5.42%.

Eagle Pass's average rate one year ago was 3.35%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.84%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Eagle Pass 30 Year Fixed Rate 2022-06-23 6.18%
Eagle Pass 30 Year Fixed Rate Refi 2022-06-23 5.84%
Eagle Pass 15 Year Fixed Rate 2022-06-23 5.74%
Eagle Pass 15 Year Fixed Rate Refi 2022-06-23 4.82%
Eagle Pass 30 Year FHA 2022-06-23 0.26%
Eagle Pass 30 Year FHA Refi 2022-06-23 -0.21%
Eagle Pass 30 Year USDA 2022-06-23 -0.13%
Eagle Pass 30 Year USDA Refi 2022-06-23 2.9%
Eagle Pass 30 Year VA 2022-06-23 0.14%
Eagle Pass 30 Year VA Refi 2022-06-23 -0.05%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Eagle Pass, TX.

Eagle Pass 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 Eagle Pass, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Town Square Mortgage & Investments, Inc. 23 3.55% $4,251
QUICKEN LOANS, LLC 12 2.90% $5,141
SECURITY SERVICE 6 3.40% $3,702
Gateway First Bank 6 3.00% $4,835
BBVA USA 5 3.50% $5,322
AMCAP MORTGAGE, LTD. 4 3.47% $5,878
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 3.40% $5,667
LOANDEPOT.COM, LLC 4 3.03% $4,317
LOANPAL, LLC 3 3.17% $5,525
International Bank of Commerce 3 3.42% $5,243
RANDOLPH-BROOKS 2 3.06% $1,363
Paramount Residential Mortgage Group, Inc. 2 3.44% $4,520
AMERICA'S CHOICE HOME LOANS LP 2 2.94% $5,136
Goldwater Bank, N.A. 1 2.88% $3,993
Wells Fargo Bank 1 4.75% $695
JPMorgan Chase Bank 1 2.88% $4,711
CALIBER HOME LOANS, INC. 1 2.99% $2,324
AMERISAVE MORTGAGE CORPORATION 1 2.50% $8,441
Mr. Cooper ( Nationstar Mortgage ) 1 3.00% $7,364
PANORAMA MORTGAGE GROUP, LLC 1 2.63% $4,700
ROYAL UNITED MORTGAGE LLC 1 3.25% $6,987
SECURITYNATIONAL MORTGAGE COMPANY 1 4.13% $4,991
AMERICAN FINANCING CORPORATION 1 3.38% $3,804
SFMC, LP 1 3.13% $9,366
SOFI LENDING CORP. 1 2.88% $2,472
SOUTHWEST FUNDING, LP 1 3.88% $3,921
TEXAS DOW EMPLOYEES CREDIT UNION 1 4.25% $3,433
THRIVE MORTGAGE, LLC 1 3.63% $6,212
TIB The Independent Bankersbank 1 3.38% $3,408
AMERICAN FINANCIAL NETWORK, INC. 1 2.88% $6,492
DIRECTIONS EQUITY, LLC 1 4.13% $6,869
CMG MORTGAGE, INC. 1 3.25% $4,712
CHURCHILL MORTGAGE CORPORATION 1 2.99% $3,909
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 1 3.25% $6,023

Eagle Pass, TX's 34 lenders originated 708 loans during 2021. The total origination value was $122,630,000, with an average loan value of $173,206.

The top Eagle Pass lender as defined by loan originations is Town Square Mortgage & Investments, Inc., with 23 loans originated. Their average total fees are $4,251, which is $890 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Eagle Pass lenders (with over 10 loans originated) are Town Square Mortgage & Investments, Inc. ($4,251), QUICKEN LOANS, LLC ($5,141), .

The lowest rate Eagle Pass lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (2.90%), Town Square Mortgage & Investments, Inc. (3.55%), .

Eagle Pass, TX 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
Town Square Mortgage & Investments, Inc. $23,005,000 $39,400,000 71.3% 32.1%
First National Bank Texas $12,465,000 n/a 10.2%
QUICKEN LOANS, LLC $4,925,000 $9,265,000 88.1% 7.6%
Gateway First Bank $2,240,000 $7,705,000 244.0% 6.3%
Falcon International Bank $4,150,000 $4,740,000 14.2% 3.9%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,645,000 n/a 3.0%
AMERICA'S CHOICE HOME LOANS LP $2,685,000 $3,360,000 25.1% 2.7%
FREEDOM MORTGAGE CORPORATION $2,885,000 $3,120,000 8.1% 2.5%
AMCAP MORTGAGE, LTD. $2,330,000 $2,540,000 9.0% 2.1%
SECURITY SERVICE $3,180,000 $2,540,000 -20.1% 2.1%
BBVA USA $4,485,000 $2,140,000 -52.3% 1.7%
Wells Fargo Bank $625,000 $2,115,000 238.4% 1.7%
Mortgage Research Center, LLC $2,810,000 $2,040,000 -27.4% 1.7%
CALIBER HOME LOANS, INC. $2,185,000 $1,795,000 -17.8% 1.5%
The Bank $1,655,000 n/a 1.3%
PENNYMAC LOAN SERVICES, LLC $1,735,000 $1,515,000 -12.7% 1.2%
VILLAGE CAPITAL & INVESTMENT LLC $580,000 $1,240,000 113.8% 1.0%
NAVY FEDERAL CREDIT UNION $85,000 $1,030,000 1,111.8% 0.8%
SFMC, LP $250,000 $935,000 274.0% 0.8%
THRIVE MORTGAGE, LLC $1,360,000 $915,000 -32.7% 0.7%
21ST MORTGAGE CORPORATION $1,155,000 $835,000 -27.7% 0.7%
LOANDEPOT.COM, LLC $290,000 $820,000 182.8% 0.7%
PLANET HOME LENDING, LLC $1,085,000 $820,000 -24.4% 0.7%
Lakeview Community Capital, LLC $145,000 $805,000 455.2% 0.7%
AMERICAN FINANCIAL NETWORK, INC. $1,400,000 $775,000 -44.6% 0.6%
LOANPAL, LLC $320,000 $765,000 139.1% 0.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $240,000 $710,000 195.8% 0.6%
RANDOLPH-BROOKS $125,000 $660,000 428.0% 0.5%
International Bank of Commerce $2,700,000 $605,000 -77.6% 0.5%
SOUTHWEST FUNDING, LP $335,000 $565,000 68.7% 0.5%
AmeriHome Mortgage Company, LLC $1,450,000 $545,000 -62.4% 0.4%
JPMorgan Chase Bank $465,000 $510,000 9.7% 0.4%
The Bank & Trust $205,000 $510,000 148.8% 0.4%
AMERISAVE MORTGAGE CORPORATION $1,040,000 $485,000 -53.4% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $1,010,000 $475,000 -53.0% 0.4%
SECURITYNATIONAL MORTGAGE COMPANY $805,000 $475,000 -41.0% 0.4%
BETTER MORTGAGE CORPORATION $470,000 n/a 0.4%
Goldwater Bank, N.A. $380,000 n/a 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $420,000 $360,000 -14.3% 0.3%
SUN WEST MORTGAGE COMPANY, INC. $350,000 n/a 0.3%
PILGRIM MORTGAGE LLC $165,000 $330,000 100.0% 0.3%
LAKEVIEW LOAN SERVICING, LLC $320,000 n/a 0.3%
Carrington Mortgage Services, LLC $375,000 $290,000 -22.7% 0.2%
USAA Federal Savings Bank $790,000 $290,000 -63.3% 0.2%
HOME POINT FINANCIAL CORPORATION $205,000 $285,000 39.0% 0.2%
MICHIGAN MUTUAL, INC. $265,000 n/a 0.2%
Discover Bank $260,000 n/a 0.2%
CMG MORTGAGE, INC. $420,000 $255,000 -39.3% 0.2%
Network Funding, L.P. $255,000 n/a 0.2%
TIB The Independent Bankersbank $245,000 n/a 0.2%
NEW DAY FINANCIAL, LLC $235,000 n/a 0.2%
NP, Inc. $340,000 $225,000 -33.8% 0.2%
PANORAMA MORTGAGE GROUP, LLC $225,000 n/a 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $215,000 n/a 0.2%
NATIONS DIRECT MORTGAGE, LLC $215,000 n/a 0.2%
DIRECTIONS EQUITY, LLC $195,000 n/a 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $195,000 n/a 0.2%
Paramount Residential Mortgage Group, Inc. $950,000 $190,000 -80.0% 0.2%
S1L, Inc. $185,000 n/a 0.2%
FIRSTMARK $55,000 $175,000 218.2% 0.1%
CHURCHILL MORTGAGE CORPORATION $125,000 $165,000 32.0% 0.1%
AMERICAN FINANCING CORPORATION $75,000 $155,000 106.7% 0.1%
First Guaranty Mortgage Corporation $155,000 n/a 0.1%
MOVEMENT MORTGAGE, LLC $155,000 n/a 0.1%
GENEVA FINANCIAL, LLC $145,000 n/a 0.1%
SOFI LENDING CORP. $145,000 n/a 0.1%
Chicago Mortgage Solutions LLC $125,000 n/a 0.1%
INTERLINC MORTGAGE SERVICES, LLC $115,000 $125,000 8.7% 0.1%
SOUTHWEST STAGE FUNDING, LLC $170,000 $110,000 -35.3% 0.1%
ACADEMY MORTGAGE CORPORATION $90,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $75,000 $85,000 13.3% 0.1%
TEXAS DOW EMPLOYEES CREDIT UNION $85,000 n/a 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $15,000 $85,000 466.7% 0.1%
PNC Bank $75,000 n/a 0.1%

Eagle Pass's top lender by overall market share is Town Square Mortgage & Investments, Inc., with 32.1% market share. In second place, with 10.2%, is First National Bank Texas, having originated $12,465,000 in loans. In third place, with 7.6%, is QUICKEN LOANS, LLC, having originated $9,265,000 in loans. In third place, with 6.3%, is Gateway First Bank, having originated $7,705,000 in loans. In third place, with 3.9%, is Falcon International Bank, having originated $4,740,000 in loans.


Eagle Pass, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 470 $86,070,000 $183,128
Refi 182 $29,070,000 $159,725
Cash Out Refi 42 $6,080,000 $144,762
Home Improvement 8 $1,000,000 $125,000
Other 6 $410,000 $68,333

Eagle Pass's most frequently cited loan purpose was Home Purchase, with 470 originations. The 2nd most popular reason was Refi, with 182 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 336 $62,030,000 $184,613
2.5-3% 208 $34,510,000 $165,913
<2.5% 92 $14,050,000 $152,717
4-5% 21 $4,835,000 $230,238
Over 8% 11 $665,000 $60,455
5-6% 6 $850,000 $141,667
6-7% 3 $185,000 $61,667
7-8% 3 $235,000 $78,333

During 2021, Eagle Pass's most frequently originated rate bucket was 3-4%, with 336 originations.

Loan Sizing (Eagle Pass, TX MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 356 $54,900,000 $154,213
$200k-400k 185 $45,115,000 $243,865
$100,000 or less 161 $6,215,000 $38,602
$400k-600k 2 $870,000 $435,000
$600k-1000k 2 $1,410,000 $705,000
$Over $1MM 2 $14,120,000 $7,060,000

Eagle Pass's loan sizing saw the bucket of loans from $100k-200k with 356 originations, totaling $54,900,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 382 $70,290,000 $184,005
60-80% 123 $34,015,000 $276,545
Under 20% 87 $565,000 $6,494
40-60% 36 $4,080,000 $113,333
20-40% 10 $1,010,000 $101,000
Over 100% 9 $1,755,000 $195,000

Eagle Pass's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 382 originations, totaling $70,290,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Eagle Pass (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 $149,500 (0.7%) $167,807 (5.0%) 0.00 217
2018-02-01 $152,000 (2.7%) $171,700 (9.2%) 0.00 221
2018-03-01 $145,000 (0.0%) $166,940 (7.1%) 0.00 229
2018-04-01 $145,000 (0.0%) $167,634 (6.4%) 0.00 230
2018-05-01 $148,000 (-0.7%) $169,868 (6.5%) 0.00 241
2018-06-01 $149,000 (2.1%) $168,406 (6.7%) 0.00 241
2018-07-01 $147,250 (1.6%) $166,683 (5.6%) 0.00 250
2018-08-01 $146,000 (-0.7%) $165,745 (4.7%) 0.00 260
2018-09-01 $155,000 (4.0%) $171,232 (5.1%) 0.00 260
2018-10-01 $158,250 (6.6%) $172,272 (4.8%) 0.00 257
2018-11-01 $156,250 (4.9%) $171,031 (3.3%) 0.00 251
2018-12-01 $155,000 (4.0%) $170,806 (1.9%) 0.00 236
2019-01-01 $155,000 (3.7%) $172,466 (2.8%) 0.00 232
2019-02-01 $152,000 (0.0%) $170,913 (-0.5%) 0.00 241
2019-03-01 $149,143 (2.9%) $168,676 (1.0%) 0.00 232
2019-04-01 $148,143 (2.2%) $168,109 (0.3%) 0.00 210
2019-05-01 $150,000 (1.4%) $173,768 (2.3%) 0.00 196
2019-06-01 $150,000 (0.7%) $174,786 (3.8%) 0.00 190
2019-07-01 $150,000 (1.9%) $174,783 (4.9%) 0.00 192
2019-08-01 $150,071 (2.8%) $171,273 (3.3%) 0.00 199
2019-09-01 $147,700 (-4.7%) $166,779 (-2.6%) 0.00 194
2019-10-01 $145,000 (-8.4%) $165,963 (-3.7%) 0.00 204
2019-11-01 $145,000 (-7.2%) $167,097 (-2.3%) 0.00 220
2019-12-01 $150,000 (-3.2%) $167,888 (-1.7%) 0.00 223
2020-01-01 $150,000 (-3.2%) $167,331 (-3.0%) 0.00 223
2020-02-01 $150,000 (-1.3%) $165,732 (-3.0%) 0.00 232
2020-03-01 $154,650 (3.7%) $171,531 (1.7%) 0.00 229
2020-04-01 $160,000 (8.0%) $175,293 (4.3%) 0.00 231
2020-05-01 $160,000 (6.7%) $173,746 (0.0%) 0.00 219
2020-06-01 $160,000 (6.7%) $176,076 (0.7%) 0.00 205
2020-07-01 $166,000 (10.7%) $176,580 (1.0%) 0.00 203
2020-08-01 $160,000 (6.6%) $171,792 (0.3%) 0.00 189
2020-09-01 $166,500 (12.7%) $175,105 (5.0%) 0.00 176
2020-10-01 $160,000 (10.3%) $170,754 (2.9%) 0.00 170
2020-11-01 $160,000 (10.3%) $173,259 (3.7%) 0.00 160
2020-12-01 $164,950 (10.0%) $178,414 (6.3%) 0.00 155
2021-01-01 $160,000 (6.7%) $177,853 (6.3%) 0.00 152
2021-02-01 $175,000 (16.7%) $184,086 (11.1%) 0.00 156
2021-03-01 $175,000 (13.2%) $185,684 (8.3%) 0.00 145
2021-04-01 $175,000 (9.4%) $186,872 (6.6%) 0.00 138
2021-05-01 $167,000 (4.4%) $184,479 (6.2%) 0.00 124
2021-06-01 $157,500 (-1.6%) $187,014 (6.2%) 0.00 121
2021-07-01 $175,000 (5.4%) $195,273 (10.6%) 0.00 125
2021-08-01 $179,000 (11.9%) $193,490 (12.6%) 0.00 117
2021-09-01 $177,000 (6.3%) $196,348 (12.1%) 0.00 108
2021-10-01 $173,000 (8.1%) $192,116 (12.5%) 0.00 111
2021-11-01 $172,500 (7.8%) $192,187 (10.9%) 0.00 114
2021-12-01 $185,000 (12.2%) $196,189 (10.0%) 0.00 117
2022-01-01 $189,500 (18.4%) $196,179 (10.3%) 0.00 115
2022-02-01 $199,250 (13.9%) $203,803 (10.7%) 0.00 134
2022-03-01 $199,900 (14.2%) $207,194 (11.6%) 0.00 127
2022-04-01 $219,900 (25.7%) $218,672 (17.0%) 0.00 123
2022-05-01 $219,950 (31.7%) $221,415 (20.0%) 0.00 124
Eagle Pass's median listing price for 2022-05-01 was $219,950, a difference of $52,950 (31.7%) versus the prior year and $50 versus the prior month.

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

Eagle Pass's average listing price for 2022-05-01 was $221,415, a difference of $36,936 (20.0%) versus the prior year and $2,743 versus the prior month.

For the 2022-05-01 period, Eagle Pass had 124 MLS listings, a difference of 1 listings (1%) versus the prior month and 0 listings (0%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Eagle Pass (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,647 sqft
2018-02-01 0 days 1,653 sqft
2018-03-01 0 days 1,568 sqft
2018-04-01 0 days 1,572 sqft
2018-05-01 0 days 1,585 sqft
2018-06-01 0 days 1,592 sqft
2018-07-01 0 days 1,598 sqft
2018-08-01 0 days 1,598 sqft
2018-09-01 0 days 1,600 sqft
2018-10-01 0 days 1,610 sqft
2018-11-01 0 days 1,585 sqft
2018-12-01 0 days 1,575 sqft
2019-01-01 0 days 1,549 sqft
2019-02-01 0 days 1,548 sqft
2019-03-01 0 days 1,519 sqft
2019-04-01 0 days 1,507 sqft
2019-05-01 0 days 1,561 sqft
2019-06-01 0 days 1,563 sqft
2019-07-01 0 days 1,551 sqft
2019-08-01 0 days 1,541 sqft
2019-09-01 0 days 1,514 sqft
2019-10-01 0 days 1,508 sqft
2019-11-01 0 days 1,500 sqft
2019-12-01 0 days 1,531 sqft
2020-01-01 0 days 1,519 sqft
2020-02-01 0 days 1,500 sqft
2020-03-01 0 days 1,508 sqft
2020-04-01 0 days 1,533 sqft
2020-05-01 0 days 1,533 sqft
2020-06-01 0 days 1,525 sqft
2020-07-01 0 days 1,500 sqft
2020-08-01 0 days 1,456 sqft
2020-09-01 0 days 1,460 sqft
2020-10-01 0 days 1,464 sqft
2020-11-01 0 days 1,465 sqft
2020-12-01 0 days 1,465 sqft
2021-01-01 0 days 1,504 sqft
2021-02-01 0 days 1,493 sqft
2021-03-01 0 days 1,467 sqft
2021-04-01 0 days 1,509 sqft
2021-05-01 0 days 1,449 sqft
2021-06-01 0 days 1,448 sqft
2021-07-01 0 days 1,498 sqft
2021-08-01 0 days 1,495 sqft
2021-09-01 0 days 1,500 sqft
2021-10-01 0 days 1,500 sqft
2021-11-01 0 days 1,442 sqft
2021-12-01 0 days 1,424 sqft
2022-01-01 0 days 1,451 sqft
2022-02-01 0 days 1,448 sqft
2022-03-01 0 days 1,465 sqft
2022-04-01 0 days 1,497 sqft
2022-05-01 0 days 1,492 sqft
Eagle Pass's median listing age (time on market) for 2022-05-01 was 0 days.

Eagle Pass's median square footage for active listings during the 2022-05-01 period was 1,492 sqft. One year prior, the average listing was 1,449 sqft.