Eagle Pass Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Eagle Pass averaged 7% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

The average rate for the prior week (2024-04-11) was 6.88% and one month ago for the week of 2024-03-14, the average rate was 6.84%.

Eagle Pass's average rate one year ago was 6.47%.

For refis of the same type during the week of 2024-04-18, the average rate was 7.3%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-18 7.1%
Eagle Pass 30 Year Fixed Rate 2024-04-18 7%
Eagle Pass 30 Year Fixed Rate Refi 2024-04-18 7.3%
Eagle Pass 15 Year Fixed Rate 2024-04-18 6.39%
Eagle Pass 15 Year Fixed Rate Refi 2024-04-18 6.79%
Eagle Pass 30 Year FHA 2024-04-18 6.75%
Eagle Pass 30 Year FHA Refi 2024-04-18 6.86%
Eagle Pass 30 Year USDA 2024-04-18 6.96%
Eagle Pass 30 Year USDA Refi 2024-04-18 7.06%
Eagle Pass 30 Year VA 2024-04-18 6.86%
Eagle Pass 30 Year VA Refi 2024-04-18 6.56%
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 lender, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 18 6.89% $9,338
QUICKEN LOANS, LLC 10 7.34% $6,354
Gateway First Bank 8 6.80% $6,666
PENNYMAC LOAN SERVICES, LLC 3 6.37% $10,066
SECURITY SERVICE 3 7.17% $3,728
RANDOLPH-BROOKS 2 7.44% $4,006
International Bank of Commerce 2 6.56% $4,418
LENDSURE MORTGAGE CORP. 2 8.56% $9,555
UNITED WHOLESALE MORTGAGE, LLC 2 7.31% $6,731
Lone Star National Bank 1 6.50% $8,212
MORTGAGE FINANCIAL SERVICES, LLC 1 7.38% $3,808
MOVEMENT MORTGAGE, LLC 1 7.44% $6,822
PNC Bank 1 5.88% $3,914
ROYAL UNITED MORTGAGE LLC 1 7.00% $12,950
SUMMIT FUNDING, INC. 1 7.63% $5,539
THRIVE MORTGAGE, LLC 1 5.63% $14,993
UNIVERSITY Federal Credit Union 1 7.38% $5,629
USAA Federal Savings Bank 1 6.63% $3,924
WILLOW BEND MORTGAGE COMPANY, LLC 1 6.88% $6,581
21ST MORTGAGE CORPORATION 1 8.10% $6,317
ZILLOW HOME LOANS, LLC 1 6.25% $6,021
AMCAP MORTGAGE, LTD. 1 7.63% $6,988
ARC HOME LLC 1 7.25% $11,598
Carrington Mortgage Services, LLC 1 6.38% $8,146
CMG MORTGAGE, INC. 1 5.99% $5,065
CREDIT HUMAN FEDERAL CREDIT UNION 1 6.70% $4,146
DAS Acquisition Company, LLC 1 7.38% $5,475
First Option Mortgage, LLC 1 6.88% $8,207
LOANDEPOT.COM, LLC 1 7.50% $3,935

Eagle Pass Average Closing Costs & Other Stats

Eagle Pass, TX's 29 lenders originated 451 loans during 2023. The total origination value was $78,765,000, with an average loan value of $174,645.

Eagle Pass's average closing costs are $6,459.

The top Eagle Pass lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 18 loans originated. Their average total fees are $9,338, which is $2,984 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Eagle Pass lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($6,354), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($9,338), .

The lowest rate Eagle Pass lenders (with over 10 loans originated) are FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.89%), QUICKEN LOANS, LLC (7.34%), .

Eagle Pass, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $34,910,000 $35,400,000 1.4% 44.9%
CMG MORTGAGE, INC. $2,385,000 $5,050,000 111.7% 6.4%
Gateway First Bank $6,440,000 $4,545,000 -29.4% 5.8%
QUICKEN LOANS, LLC $4,400,000 $2,835,000 -35.6% 3.6%
UNITED WHOLESALE MORTGAGE, LLC $4,100,000 $2,380,000 -42.0% 3.0%
Falcon International Bank $5,180,000 $2,265,000 -56.3% 2.9%
SECURITY SERVICE $2,655,000 $2,030,000 -23.5% 2.6%
MORTGAGE FINANCIAL SERVICES, LLC $370,000 $1,270,000 243.2% 1.6%
MOVEMENT MORTGAGE, LLC $1,225,000 n/a 1.6%
PNC Bank $1,070,000 $1,160,000 8.4% 1.5%
AMCAP MORTGAGE, LTD. $2,105,000 $1,080,000 -48.7% 1.4%
LEADERONE FINANCIAL CORPORATION $1,030,000 n/a 1.3%
International Bank of Commerce $3,025,000 $1,020,000 -66.3% 1.3%
Mortgage Research Center, LLC $2,390,000 $990,000 -58.6% 1.3%
PENNYMAC LOAN SERVICES, LLC $975,000 $985,000 1.0% 1.3%
21ST MORTGAGE CORPORATION $850,000 $970,000 14.1% 1.2%
THRIVE MORTGAGE, LLC $1,370,000 $905,000 -33.9% 1.1%
Broadway National Bank $785,000 n/a 1.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $390,000 $745,000 91.0% 0.9%
WILLOW BEND MORTGAGE COMPANY, LLC $605,000 n/a 0.8%
RANDOLPH-BROOKS $490,000 $500,000 2.0% 0.6%
CARDINAL FINANCIAL $210,000 $435,000 107.1% 0.6%
USAA Federal Savings Bank $385,000 $430,000 11.7% 0.5%
ACADEMY MORTGAGE CORPORATION $1,255,000 $405,000 -67.7% 0.5%
SUMMIT FUNDING, INC. $405,000 n/a 0.5%
PENTAGON FEDERAL CREDIT UNION $440,000 $365,000 -17.0% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $365,000 n/a 0.5%
LENDSURE MORTGAGE CORP. $360,000 n/a 0.5%
Mr. Cooper ( Nationstar Mortgage ) $1,010,000 $355,000 -64.9% 0.5%
NATIONS DIRECT MORTGAGE, LLC $255,000 $350,000 37.3% 0.4%
TOWNE MORTGAGE COMPANY $305,000 n/a 0.4%
GUARANTEED RATE, INC. $245,000 $295,000 20.4% 0.4%
LOANPAL, LLC $355,000 $290,000 -18.3% 0.4%
Lone Star National Bank $285,000 n/a 0.4%
MORTGAGE SOLUTIONS OF COLORADO, LLC $285,000 n/a 0.4%
H E B $270,000 n/a 0.3%
AMERICAN FINANCIAL RESOURCES, INC. $265,000 n/a 0.3%
Town Square Mortgage & Investments, Inc. $265,000 n/a 0.3%
PLAZA HOME MORTGAGE, INC. $255,000 n/a 0.3%
CREDIT HUMAN FEDERAL CREDIT UNION $240,000 n/a 0.3%
ARC HOME LLC $235,000 n/a 0.3%
First Option Mortgage, LLC $235,000 n/a 0.3%
LOANDEPOT.COM, LLC $645,000 $230,000 -64.3% 0.3%
AMWEST FUNDING CORP. $215,000 n/a 0.3%
BROKER SOLUTIONS, INC. $370,000 $215,000 -41.9% 0.3%
ZILLOW HOME LOANS, LLC $215,000 n/a 0.3%
ROYAL UNITED MORTGAGE LLC $125,000 $195,000 56.0% 0.2%
Equity Prime Mortgage LLC $590,000 $185,000 -68.6% 0.2%
NAVY FEDERAL CREDIT UNION $305,000 $185,000 -39.3% 0.2%
DAS Acquisition Company, LLC $175,000 n/a 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $910,000 $165,000 -81.9% 0.2%
First United Bank and Trust Company $165,000 n/a 0.2%
FREEDOM MORTGAGE CORPORATION $555,000 $165,000 -70.3% 0.2%
The Bank & Trust $1,380,000 $165,000 -88.0% 0.2%
Wells Fargo Bank $990,000 $150,000 -84.8% 0.2%
SOUTHWEST STAGE FUNDING, LLC $210,000 $145,000 -31.0% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $135,000 n/a 0.2%
PILGRIM MORTGAGE LLC $135,000 n/a 0.2%
River City Federal Credit Union $135,000 n/a 0.2%
Carrington Mortgage Services, LLC $480,000 $125,000 -74.0% 0.2%
OCMBC, INC. $125,000 n/a 0.2%
Discover Bank $55,000 $120,000 118.2% 0.2%
AMERISAVE MORTGAGE CORPORATION $285,000 $115,000 -59.6% 0.1%
MID AMERICA MORTGAGE, INC. $440,000 $115,000 -73.9% 0.1%
UNIVERSITY Federal Credit Union $115,000 n/a 0.1%
FIRSTMARK $65,000 n/a 0.1%
Bank of America $55,000 n/a 0.1%
American Airlines Federal Credit Union $25,000 n/a 0.0%
Texas Community Bank $655,000 $5,000 -99.2% 0.0%

Eagle Pass's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 44.9% market share. In second place, with 6.4%, is CMG MORTGAGE, INC., having originated $5,050,000 in loans. In third place, with 5.8%, is Gateway First Bank, having originated $4,545,000 in loans. In fourth place, with 3.6%, is QUICKEN LOANS, LLC, having originated $2,835,000 in loans. In fifth place, with 3.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $2,380,000 in loans.


Eagle Pass Housing Market Trends (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 $151,500 (2.4%) $167,749 (5.9%) 0.00 218
2018-02-01 $149,500 (2.1%) $169,915 (9.2%) 0.00 222
2018-03-01 $145,000 (0.0%) $166,487 (7.1%) 0.00 232
2018-04-01 $145,000 (-1.0%) $167,204 (6.5%) 0.00 233
2018-05-01 $148,500 (-0.1%) $169,937 (7.2%) 0.00 243
2018-06-01 $149,000 (1.7%) $168,106 (6.7%) 0.00 243
2018-07-01 $148,750 (2.6%) $167,010 (5.6%) 0.00 255
2018-08-01 $146,500 (0.3%) $166,196 (5.3%) 0.00 265
2018-09-01 $155,000 (3.9%) $171,204 (5.3%) 0.00 263
2018-10-01 $159,200 (7.5%) $174,095 (6.3%) 0.00 258
2018-11-01 $158,250 (6.4%) $172,891 (4.8%) 0.00 252
2018-12-01 $156,000 (4.7%) $171,711 (2.7%) 0.00 239
2019-01-01 $152,875 (0.9%) $172,253 (2.7%) 0.00 234
2019-02-01 $149,850 (0.2%) $170,298 (0.2%) 0.00 244
2019-03-01 $148,929 (2.7%) $167,811 (0.8%) 0.00 232
2019-04-01 $148,029 (2.1%) $167,384 (0.1%) 0.00 210
2019-05-01 $150,000 (1.0%) $172,780 (1.7%) 0.00 196
2019-06-01 $150,000 (0.7%) $173,607 (3.3%) 0.00 190
2019-07-01 $150,000 (0.8%) $174,147 (4.3%) 0.00 193
2019-08-01 $148,636 (1.5%) $171,343 (3.1%) 0.00 198
2019-09-01 $146,591 (-5.4%) $167,762 (-2.0%) 0.00 199
2019-10-01 $145,000 (-8.9%) $166,354 (-4.5%) 0.00 204
2019-11-01 $145,000 (-8.4%) $165,959 (-4.0%) 0.00 218
2019-12-01 $149,875 (-3.9%) $167,848 (-2.3%) 0.00 219
2020-01-01 $150,000 (-1.9%) $166,912 (-3.1%) 0.00 219
2020-02-01 $152,500 (1.8%) $166,314 (-2.3%) 0.00 229
2020-03-01 $156,325 (5.0%) $172,155 (2.6%) 0.00 224
2020-04-01 $162,125 (9.5%) $176,251 (5.3%) 0.00 225
2020-05-01 $160,000 (6.7%) $174,074 (0.8%) 0.00 212
2020-06-01 $160,000 (6.7%) $176,468 (1.7%) 0.00 201
2020-07-01 $166,000 (10.7%) $177,021 (1.7%) 0.00 199
2020-08-01 $160,000 (7.7%) $171,987 (0.4%) 0.00 185
2020-09-01 $166,750 (13.8%) $175,959 (4.9%) 0.00 176
2020-10-01 $160,000 (10.3%) $171,437 (3.1%) 0.00 169
2020-11-01 $164,925 (13.7%) $173,710 (4.7%) 0.00 158
2020-12-01 $165,500 (10.4%) $178,713 (6.5%) 0.00 151
2021-01-01 $165,000 (10.0%) $177,703 (6.5%) 0.00 148
2021-02-01 $175,000 (14.8%) $183,982 (10.6%) 0.00 152
2021-03-01 $175,000 (12.0%) $184,355 (7.1%) 0.00 142
2021-04-01 $175,000 (7.9%) $187,136 (6.2%) 0.00 136
2021-05-01 $167,000 (4.4%) $184,719 (6.1%) 0.00 122
2021-06-01 $159,000 (-0.6%) $186,333 (5.6%) 0.00 118
2021-07-01 $175,000 (5.4%) $192,401 (8.7%) 0.00 124
2021-08-01 $177,500 (10.9%) $192,895 (12.2%) 0.00 116
2021-09-01 $176,000 (5.6%) $195,836 (11.3%) 0.00 107
2021-10-01 $171,500 (7.2%) $191,533 (11.7%) 0.00 109
2021-11-01 $174,475 (5.8%) $192,137 (10.6%) 0.00 113
2021-12-01 $182,500 (10.3%) $195,657 (9.5%) 0.00 116
2022-01-01 $189,000 (14.6%) $194,229 (9.3%) 0.00 115
2022-02-01 $198,500 (13.4%) $202,590 (10.1%) 0.00 136
2022-03-01 $199,525 (14.0%) $205,313 (11.4%) 0.00 129
2022-04-01 $219,900 (25.7%) $218,489 (16.8%) 0.00 123
2022-05-01 $219,600 (31.5%) $220,844 (19.6%) 0.00 125
2022-06-01 $219,250 (37.9%) $222,696 (19.5%) 0.00 136
2022-07-01 $225,000 (28.6%) $226,898 (17.9%) 0.00 142
2022-08-01 $235,000 (32.4%) $240,351 (24.6%) 0.00 148
2022-09-01 $235,400 (33.8%) $243,724 (24.5%) 0.00 153
2022-10-01 $235,800 (37.5%) $252,905 (32.0%) 0.00 166
2022-11-01 $235,250 (34.8%) $251,294 (30.8%) 0.00 173
2022-12-01 $237,800 (30.3%) $253,880 (29.8%) 0.00 170
2023-01-01 $239,925 (26.9%) $256,063 (31.8%) 0.00 151
2023-02-01 $237,475 (19.6%) $262,515 (29.6%) 0.00 152
2023-03-01 $235,000 (17.8%) $260,471 (26.9%) 0.00 136
2023-04-01 $230,000 (4.6%) $251,505 (15.1%) 0.00 127
2023-05-01 $248,500 (13.2%) $266,577 (20.7%) 0.00 120
2023-06-01 $259,750 (18.5%) $273,727 (22.9%) 0.00 129
2023-07-01 $260,000 (15.6%) $274,786 (21.1%) 0.00 125
2023-08-01 $263,500 (12.1%) $276,956 (15.2%) 0.00 133
2023-09-01 $265,000 (12.6%) $275,402 (13.0%) 0.00 130
2023-10-01 $263,500 (11.8%) $275,200 (8.8%) 0.00 131
2023-11-01 $259,975 (10.5%) $276,175 (9.9%) 0.00 137
2023-12-01 $256,300 (7.8%) $279,630 (10.1%) 0.00 137
2024-01-01 $257,800 (7.5%) $287,047 (12.1%) 0.00 137
2024-02-01 $259,125 (9.1%) $283,166 (7.9%) 0.00 142
2024-03-01 $259,750 (10.5%) $281,747 (8.2%) 0.00 145
Eagle Pass's median listing price for 2024-03-01 was $259,750, a difference of $24,750 (10.5%) versus the prior year and $625 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 2024-03-01 was $281,747, a difference of $21,276 (8.2%) versus the prior year and $-1,419 versus the prior month.

For the 2024-03-01 period, Eagle Pass had 145 MLS listings, a difference of 3 listings (2%) versus the prior month and 9 listings (7%) 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 1,651 sqft
2018-02-01 0 days 1,653 sqft
2018-03-01 0 days 1,567 sqft
2018-04-01 0 days 1,570 sqft
2018-05-01 0 days 1,587 sqft
2018-06-01 0 days 1,592 sqft
2018-07-01 0 days 1,596 sqft
2018-08-01 0 days 1,598 sqft
2018-09-01 0 days 1,605 sqft
2018-10-01 0 days 1,616 sqft
2018-11-01 0 days 1,566 sqft
2018-12-01 0 days 1,560 sqft
2019-01-01 0 days 1,530 sqft
2019-02-01 0 days 1,524 sqft
2019-03-01 0 days 1,511 sqft
2019-04-01 0 days 1,504 sqft
2019-05-01 0 days 1,549 sqft
2019-06-01 0 days 1,550 sqft
2019-07-01 0 days 1,548 sqft
2019-08-01 0 days 1,528 sqft
2019-09-01 0 days 1,503 sqft
2019-10-01 0 days 1,498 sqft
2019-11-01 0 days 1,493 sqft
2019-12-01 0 days 1,519 sqft
2020-01-01 0 days 1,506 sqft
2020-02-01 0 days 1,491 sqft
2020-03-01 0 days 1,507 sqft
2020-04-01 0 days 1,529 sqft
2020-05-01 0 days 1,516 sqft
2020-06-01 0 days 1,510 sqft
2020-07-01 0 days 1,481 sqft
2020-08-01 0 days 1,454 sqft
2020-09-01 0 days 1,456 sqft
2020-10-01 0 days 1,464 sqft
2020-11-01 0 days 1,448 sqft
2020-12-01 0 days 1,445 sqft
2021-01-01 0 days 1,465 sqft
2021-02-01 0 days 1,467 sqft
2021-03-01 0 days 1,463 sqft
2021-04-01 0 days 1,503 sqft
2021-05-01 0 days 1,446 sqft
2021-06-01 0 days 1,431 sqft
2021-07-01 0 days 1,486 sqft
2021-08-01 0 days 1,490 sqft
2021-09-01 0 days 1,489 sqft
2021-10-01 0 days 1,499 sqft
2021-11-01 0 days 1,436 sqft
2021-12-01 0 days 1,418 sqft
2022-01-01 0 days 1,444 sqft
2022-02-01 0 days 1,452 sqft
2022-03-01 0 days 1,460 sqft
2022-04-01 0 days 1,486 sqft
2022-05-01 0 days 1,483 sqft
2022-06-01 0 days 1,483 sqft
2022-07-01 0 days 1,506 sqft
2022-08-01 0 days 1,532 sqft
2022-09-01 0 days 1,538 sqft
2022-10-01 0 days 1,540 sqft
2022-11-01 0 days 1,530 sqft
2022-12-01 0 days 1,530 sqft
2023-01-01 0 days 1,539 sqft
2023-02-01 0 days 1,539 sqft
2023-03-01 0 days 1,542 sqft
2023-04-01 0 days 1,544 sqft
2023-05-01 0 days 1,586 sqft
2023-06-01 0 days 1,581 sqft
2023-07-01 0 days 1,575 sqft
2023-08-01 0 days 1,555 sqft
2023-09-01 0 days 1,550 sqft
2023-10-01 0 days 1,543 sqft
2023-11-01 0 days 1,541 sqft
2023-12-01 0 days 1,523 sqft
2024-01-01 0 days 1,527 sqft
2024-02-01 0 days 1,530 sqft
2024-03-01 0 days 1,529 sqft
Eagle Pass's median listing age (time on market) for 2024-03-01 was 0 days.

Eagle Pass's median square footage for active listings during the 2024-03-01 period was 1,529 sqft. One year prior, the average listing was 1,542 sqft.

Eagle Pass, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 378 $69,030,000 $182,619
Cash Out Refi 31 $3,905,000 $125,968
Other 18 $2,060,000 $114,444
Refi 17 $3,135,000 $184,412
Home Improvement 7 $635,000 $90,714

Eagle Pass's most frequently cited loan purpose was Home Purchase, with 378 originations. The 2nd most popular reason was Cash Out Refi, with 31 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 125 $27,225,000 $217,800
5-6% 106 $23,400,000 $220,755
7-8% 86 $18,510,000 $215,233
Over 8% 41 $5,105,000 $124,512
<2.5% 8 $50,000 $6,250
4-5% 5 $905,000 $181,000

During 2023, Eagle Pass's most frequently originated rate bucket was 6-7%, with 125 originations.

Loan Sizing (Eagle Pass, TX MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 206 $52,820,000 $256,408
$100k-200k 120 $19,040,000 $158,667
$100,000 or less 118 $3,410,000 $28,898
$400k-600k 6 $2,710,000 $451,667
$600k-1000k 1 $785,000 $785,000

Eagle Pass's loan sizing saw the bucket of loans from $200k-400k with 206 originations, totaling $52,820,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 274 $62,810,000 $229,234
Under 20% 80 $770,000 $9,625
60-80% 41 $6,805,000 $165,976
40-60% 19 $2,315,000 $121,842
20-40% 14 $1,070,000 $76,429
Over 100% 5 $1,535,000 $307,000

Eagle Pass's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 274 originations, totaling $62,810,000 in origination value.