Fredericksburg Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Fredericksburg averaged
6.46%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.76% and
one month ago for the week of 2025-05-29, the
average rate was 6.58%.
Fredericksburg's average rate one year ago was 6.75%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.27%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Fredericksburg 30 Year Fixed Rate | 2025-07-03 | 6.46% |
| Fredericksburg 30 Year Fixed Rate Refi | 2025-07-03 | 7.27% |
| Fredericksburg 15 Year Fixed Rate | 2025-07-03 | 5.9% |
| Fredericksburg 15 Year Fixed Rate Refi | 2025-07-03 | 6.4% |
| Fredericksburg 30 Year FHA | 2025-07-03 | -1.49% |
| Fredericksburg 30 Year FHA Refi | 2025-07-03 | 0.2% |
| Fredericksburg 30 Year USDA | 2025-07-03 | 0% |
| Fredericksburg 30 Year USDA Refi | 2025-07-03 | 0.2% |
| Fredericksburg 30 Year VA | 2025-07-03 | 0.1% |
| Fredericksburg 30 Year VA Refi | 2025-07-03 | -0.2% |
Fredericksburg 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 Fredericksburg, 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.).
Fredericksburg Average Closing Costs & Other Stats
Fredericksburg, TX's 74 lenders originated 506
loans during 2024. The total origination value was $236,880,000, with an average loan value of
$468,142.
Fredericksburg's average closing costs are $7,631.
The top Fredericksburg lender as defined by loan originations is QUICKEN LOANS, LLC, with
39 loans originated. Their average total fees are
$13,770, which is $8,655
higher than the next largest lender,
DHI MORTGAGE COMPANY, LTD..
The lowest fee Fredericksburg lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC ($4,996), DHI MORTGAGE COMPANY, LTD. ($5,115), First United Bank and Trust Company ($6,778), Security State Bank & Trust ($9,453) and QUICKEN LOANS, LLC ($13,770).
The lowest rate Fredericksburg lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (5.18%), DHI MORTGAGE COMPANY, LTD. (5.64%), QUICKEN LOANS, LLC (6.70%), Security State Bank & Trust (6.92%) and First United Bank and Trust Company (6.96%).
Fredericksburg, 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 |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $13,530,000 | $18,985,000 | 40.3% | 8.0% |
| EAGLE HOME MORTGAGE, LLC | $18,665,000 | n/a | 7.9% | |
| Security State Bank & Trust | $15,690,000 | $16,680,000 | 6.3% | 7.0% |
| First United Bank and Trust Company | $10,645,000 | $13,985,000 | 31.4% | 5.9% |
| COLLIERS MORTGAGE LLC | $13,030,000 | n/a | 5.5% | |
| DHI MORTGAGE COMPANY, LTD. | $12,910,000 | n/a | 5.5% | |
| UNITED WHOLESALE MORTGAGE, LLC | $7,605,000 | $7,865,000 | 3.4% | 3.3% |
| Farm Credit Mid-America, ACA | $2,505,000 | $5,410,000 | 116.0% | 2.3% |
| Broadway National Bank | $2,860,000 | $4,970,000 | 73.8% | 2.1% |
| PENNYMAC LOAN SERVICES, LLC | $3,535,000 | $4,700,000 | 33.0% | 2.0% |
| JPMorgan Chase Bank | $2,805,000 | $4,435,000 | 58.1% | 1.9% |
| Centennial Bank | $1,160,000 | $4,120,000 | 255.2% | 1.7% |
| RANDOLPH-BROOKS | $3,380,000 | $3,675,000 | 8.7% | 1.6% |
| GARDNER FINANCIAL SERVICES, LTD. | $295,000 | $3,560,000 | 1,106.8% | 1.5% |
| Affiliated Bank | $3,505,000 | n/a | 1.5% | |
| Hometown Equity Mortgage, LLC | $3,180,000 | n/a | 1.3% | |
| V.I.P. MORTGAGE, INC. | $670,000 | $2,965,000 | 342.5% | 1.3% |
| Mortgage Research Center, LLC | $1,005,000 | $2,935,000 | 192.0% | 1.2% |
| NEWREZ LLC | $690,000 | $2,920,000 | 323.2% | 1.2% |
| Morgan Stanley Private Bank | $5,215,000 | $2,840,000 | -45.5% | 1.2% |
| Texas Heritage Bank | $2,565,000 | n/a | 1.1% | |
| Community Bank | $2,425,000 | n/a | 1.0% | |
| CROSSCOUNTRY MORTGAGE, LLC | $3,120,000 | $2,390,000 | -23.4% | 1.0% |
| American Bank | $2,155,000 | n/a | 0.9% | |
| OAKTREE FUNDING CORP. | $2,120,000 | n/a | 0.9% | |
| CMG MORTGAGE, INC. | $2,675,000 | $2,090,000 | -21.9% | 0.9% |
| DEEPHAVEN MORTGAGE LLC | $1,965,000 | $2,005,000 | 2.0% | 0.8% |
| Prosperity Bank | $8,705,000 | $2,005,000 | -77.0% | 0.8% |
| Vantage Bank Texas | $1,015,000 | $1,995,000 | 96.6% | 0.8% |
| AmeriHome Mortgage Company, LLC | $1,935,000 | n/a | 0.8% | |
| BancorpSouth | $2,150,000 | $1,850,000 | -14.0% | 0.8% |
| Zions Bank | $2,140,000 | $1,700,000 | -20.6% | 0.7% |
| First Financial Bank | $1,665,000 | n/a | 0.7% | |
| GUILD MORTGAGE COMPANY | $3,430,000 | $1,625,000 | -52.6% | 0.7% |
| Paramount Residential Mortgage Group, Inc. | $1,545,000 | n/a | 0.7% | |
| City Bank | $1,430,000 | n/a | 0.6% | |
| 21ST MORTGAGE CORPORATION | $1,000,000 | $1,280,000 | 28.0% | 0.5% |
| PLANET HOME LENDING, LLC | $1,240,000 | n/a | 0.5% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $315,000 | $1,180,000 | 274.6% | 0.5% |
| SWBC MORTGAGE CORPORATION | $1,655,000 | $1,110,000 | -32.9% | 0.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,675,000 | $1,080,000 | -35.5% | 0.5% |
| Jefferson Bank | $105,000 | $1,020,000 | 871.4% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $800,000 | $1,005,000 | 25.6% | 0.4% |
| NexBank | $990,000 | n/a | 0.4% | |
| Wells Fargo Bank | $870,000 | $985,000 | 13.2% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $980,000 | n/a | 0.4% | |
| TOLLESON PRIVATE BANK | $935,000 | n/a | 0.4% | |
| Charles Schwab Bank, SSB | $925,000 | n/a | 0.4% | |
| The Bank & Trust | $1,320,000 | $920,000 | -30.3% | 0.4% |
| Frost Bank | $1,505,000 | $915,000 | -39.2% | 0.4% |
| SENTE MORTGAGE, INC. | $1,270,000 | $910,000 | -28.3% | 0.4% |
| Texas Regional Bank | $2,630,000 | $910,000 | -65.4% | 0.4% |
| Armed Forces Bank | $405,000 | $905,000 | 123.5% | 0.4% |
| MLD MORTGAGE INC. | $885,000 | n/a | 0.4% | |
| Flagstar Bank, FSB | $1,305,000 | $880,000 | -32.6% | 0.4% |
| First-Lockhart National Bank | $805,000 | n/a | 0.3% | |
| FIRST SERVICE Credit Union | $805,000 | n/a | 0.3% | |
| Guaranty Bank & Trust, N.A. | $305,000 | $805,000 | 163.9% | 0.3% |
| R Bank | $805,000 | n/a | 0.3% | |
| American National Bank & Trust | $765,000 | n/a | 0.3% | |
| Citizens Bank | $765,000 | n/a | 0.3% | |
| MOVEMENT MORTGAGE, LLC | $75,000 | $720,000 | 860.0% | 0.3% |
| The Huntington National Bank | $535,000 | $715,000 | 33.6% | 0.3% |
| HOMEXPRESS MORTGAGE CORP. | $1,015,000 | $710,000 | -30.0% | 0.3% |
| FirstBank Southwest | $105,000 | $705,000 | 571.4% | 0.3% |
| PILGRIM MORTGAGE LLC | $205,000 | $680,000 | 231.7% | 0.3% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $655,000 | n/a | 0.3% | |
| Gateway First Bank | $645,000 | n/a | 0.3% | |
| FIRSTMARK | $635,000 | n/a | 0.3% | |
| Sunflower Bank | $635,000 | n/a | 0.3% | |
| U.S. Bank | $625,000 | n/a | 0.3% | |
| Northpointe Bank | $785,000 | $615,000 | -21.7% | 0.3% |
| HALLMARK HOME MORTGAGE, LLC | $575,000 | n/a | 0.2% | |
| Hamilton Mortgage Corporation | $575,000 | n/a | 0.2% | |
| Home Mortgage Alliance Corp | $565,000 | n/a | 0.2% | |
| LOANDEPOT.COM, LLC | $1,010,000 | $565,000 | -44.1% | 0.2% |
| Regions Bank | $565,000 | n/a | 0.2% | |
| SECURITY SERVICE | $2,780,000 | $565,000 | -79.7% | 0.2% |
| The Federal Savings Bank | $535,000 | n/a | 0.2% | |
| AAXY L.L.C. | $525,000 | $525,000 | 0.0% | 0.2% |
| SECURITYNATIONAL MORTGAGE COMPANY | $455,000 | $525,000 | 15.4% | 0.2% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $505,000 | n/a | 0.2% | |
| CALCON MUTUAL MORTGAGE LLC | $415,000 | $505,000 | 21.7% | 0.2% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $505,000 | n/a | 0.2% | |
| BM Real Estate Services, Inc. | $710,000 | $495,000 | -30.3% | 0.2% |
| OCMBC, INC. | $485,000 | n/a | 0.2% | |
| UNION HOME MORTGAGE CORP. | $725,000 | $485,000 | -33.1% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $480,000 | n/a | 0.2% | |
| COUNTRYPLACE MORTGAGE, LTD. | $180,000 | $480,000 | 166.7% | 0.2% |
| MICHIGAN MUTUAL, INC. | $475,000 | n/a | 0.2% | |
| MORTGAGE FINANCIAL SERVICES, LLC | $345,000 | $465,000 | 34.8% | 0.2% |
| BAY EQUITY LLC | $585,000 | $455,000 | -22.2% | 0.2% |
| Raymond James Bank | $455,000 | n/a | 0.2% | |
| The First National Bank of Sonora | $455,000 | n/a | 0.2% | |
| UNITED BUILT HOMES, L.L.C. | $435,000 | n/a | 0.2% | |
| Lakeview Community Capital, LLC | $425,000 | n/a | 0.2% | |
| Century Mortgage Company DBA Century Lending Company | $405,000 | n/a | 0.2% | |
| NFM, INC. | $405,000 | n/a | 0.2% | |
| RELIANCE FIRST CAPITAL, LLC | $405,000 | n/a | 0.2% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $375,000 | $395,000 | 5.3% | 0.2% |
| Credit Union of Texas | $460,000 | $395,000 | -14.1% | 0.2% |
| Bank of America | $4,445,000 | $390,000 | -91.2% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $390,000 | n/a | 0.2% | |
| AMERITRUST MORTGAGE CORPORATION | $385,000 | n/a | 0.2% | |
| NEXERA HOLDING LLC | $485,000 | $385,000 | -20.6% | 0.2% |
| MidWestOne Bank | $365,000 | n/a | 0.2% | |
| The Loan Store, Inc. | $355,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $455,000 | $340,000 | -25.3% | 0.1% |
| LOANPEOPLE, LLC | $2,530,000 | $335,000 | -86.8% | 0.1% |
| ZILLOW HOME LOANS, LLC | $315,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $770,000 | $305,000 | -60.4% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $1,030,000 | $295,000 | -71.4% | 0.1% |
| GUARANTEED RATE, INC. | $490,000 | $265,000 | -45.9% | 0.1% |
| Independent Bank | $2,080,000 | $255,000 | -87.7% | 0.1% |
| Stifel Bank and Trust | $225,000 | n/a | 0.1% | |
| AMPLIFY | $505,000 | $205,000 | -59.4% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $205,000 | n/a | 0.1% | |
| PNC Bank | $65,000 | $205,000 | 215.4% | 0.1% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $770,000 | $185,000 | -76.0% | 0.1% |
| Texana Bank | $185,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $245,000 | $165,000 | -32.7% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $135,000 | n/a | 0.1% | |
| International Bank of Commerce | $655,000 | $135,000 | -79.4% | 0.1% |
| LOANPAL, LLC | $135,000 | n/a | 0.1% | |
| EECU | $125,000 | n/a | 0.1% | |
| Comerica Bank | $105,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $1,290,000 | $85,000 | -93.4% | 0.0% |
| Castroville State Bank | $75,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $220,000 | $75,000 | -65.9% | 0.0% |
| BP Federal Credit Union | $55,000 | n/a | 0.0% |
Fredericksburg's top lender by overall market share is QUICKEN LOANS, LLC, with 8.0% market share. In second place, with 7.9%, is EAGLE HOME MORTGAGE, LLC, having originated $18,665,000 in loans. In third place, with 7.0%, is Security State Bank & Trust, having originated $16,680,000 in loans. In fourth place, with 5.9%, is First United Bank and Trust Company, having originated $13,985,000 in loans. In fifth place, with 5.5%, is COLLIERS MORTGAGE LLC, having originated $13,030,000 in loans.
Fredericksburg, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 346 | $161,730,000 | $467,428 |
| Refi | 58 | $29,880,000 | $515,172 |
| Cash Out Refi | 51 | $20,275,000 | $397,549 |
| Other | 36 | $22,670,000 | $629,722 |
| Home Improvement | 14 | $2,150,000 | $153,571 |
| NA | 1 | $175,000 | $175,000 |
Fredericksburg's most frequently cited loan purpose was Home Purchase, with 346 originations. The 2nd most popular reason was Refi, with 58 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 161 | $69,775,000 | $433,385 |
| 7-8% | 115 | $61,875,000 | $538,043 |
| 5-6% | 72 | $29,330,000 | $407,361 |
| 4-5% | 65 | $20,145,000 | $309,923 |
| Over 8% | 59 | $24,625,000 | $417,373 |
| 3-4% | 15 | $13,445,000 | $896,333 |
| 2.5-3% | 1 | $255,000 | $255,000 |
During 2024, Fredericksburg's most frequently originated rate bucket was 6-7%, with 161 originations.
Loan Sizing (Fredericksburg, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 215 | $63,885,000 | $297,140 |
| $400k-600k | 123 | $60,065,000 | $488,333 |
| $600k-1000k | 52 | $38,990,000 | $749,808 |
| $100k-200k | 51 | $7,815,000 | $153,235 |
| $100,000 or less | 37 | $2,375,000 | $64,189 |
| $Over $1MM | 28 | $63,750,000 | $2,276,786 |
Fredericksburg's loan sizing saw the bucket of loans from $200k-400k with 215 originations, totaling $63,885,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 209 | $88,805,000 | $424,904 |
| 60-80% | 119 | $65,825,000 | $553,151 |
| 40-60% | 61 | $40,355,000 | $661,557 |
| 20-40% | 57 | $12,985,000 | $227,807 |
| Under 20% | 31 | $7,435,000 | $239,839 |
| Over 100% | 7 | $2,585,000 | $369,286 |
Fredericksburg's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 209 originations, totaling $88,805,000 in origination value.