Fredericksburg Mortgage Rates
30 Year Fixed Rate mortgages in Fredericksburg averaged
5.91%
for the week of 2022-06-30, compared to the national average of
5.7% for the same period.
The average rate for the prior week (2022-06-23) was
6.22% and
one month ago for the week of 2022-05-26, the
average rate was 5.61%.
Fredericksburg's average rate one year ago was 3.28%.
For refis of the same type during the week of 2022-06-30, the average rate
was 5.76%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-30 | 5.7% |
| Fredericksburg 30 Year Fixed Rate | 2022-06-30 | 5.91% |
| Fredericksburg 30 Year Fixed Rate Refi | 2022-06-30 | 5.76% |
| Fredericksburg 15 Year Fixed Rate | 2022-06-30 | 5.28% |
| Fredericksburg 15 Year Fixed Rate Refi | 2022-06-30 | 5.06% |
| Fredericksburg 30 Year FHA | 2022-06-30 | 5.85% |
| Fredericksburg 30 Year FHA Refi | 2022-06-30 | 4.85% |
| Fredericksburg 30 Year USDA | 2022-06-30 | 6% |
| Fredericksburg 30 Year VA | 2022-06-30 | 5.47% |
| Fredericksburg 30 Year VA Refi | 2022-06-30 | 5.14% |
Fredericksburg 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 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, TX's 133 lenders originated 929
loans during 2021. The total origination value was $365,595,000, with an average loan value of
$393,536.
The top Fredericksburg lender as defined by loan originations is First United Bank and Trust Company, with
62 loans originated. Their average total fees are
$5,215, which is $1,404
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Fredericksburg lenders (with over 10 loans originated) are
First United Bank and Trust Company ($5,215), UNITED WHOLESALE MORTGAGE, LLC ($5,436), JPMorgan Chase Bank ($5,904), Flagstar Bank, FSB ($5,992) and LOANDEPOT.COM, LLC ($6,579).
The lowest rate Fredericksburg lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (2.96%), JPMorgan Chase Bank (2.97%), QUICKEN LOANS, LLC (3.05%), GUILD MORTGAGE COMPANY (3.06%) and LOANDEPOT.COM, LLC (3.18%).
Fredericksburg, 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 |
|---|---|---|---|---|
| First United Bank and Trust Company | $24,305,000 | $36,885,000 | 51.8% | 10.1% |
| Security State Bank & Trust | $26,335,000 | $30,730,000 | 16.7% | 8.4% |
| QUICKEN LOANS, LLC | $18,710,000 | $20,770,000 | 11.0% | 5.7% |
| JPMorgan Chase Bank | $14,655,000 | $18,110,000 | 23.6% | 5.0% |
| Prosperity Bank | $3,690,000 | $8,250,000 | 123.6% | 2.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,685,000 | $7,670,000 | 63.7% | 2.1% |
| LOANDEPOT.COM, LLC | $2,910,000 | $7,320,000 | 151.5% | 2.0% |
| The Bank of San Antonio | $7,210,000 | n/a | 2.0% | |
| GUILD MORTGAGE COMPANY | $5,045,000 | $6,020,000 | 19.3% | 1.6% |
| Wells Fargo Bank | $9,590,000 | $5,795,000 | -39.6% | 1.6% |
| Happy State Bank | $1,150,000 | $5,300,000 | 360.9% | 1.4% |
| GUARANTEED RATE, INC. | $3,955,000 | $5,065,000 | 28.1% | 1.4% |
| Bank of America | $4,300,000 | $5,030,000 | 17.0% | 1.4% |
| BBVA USA | $5,710,000 | $4,785,000 | -16.2% | 1.3% |
| AMCAP MORTGAGE, LTD. | $5,325,000 | $4,400,000 | -17.4% | 1.2% |
| Texas Regional Bank | $4,710,000 | $4,305,000 | -8.6% | 1.2% |
| SWBC MORTGAGE CORPORATION | $5,765,000 | $4,265,000 | -26.0% | 1.2% |
| CALIBER HOME LOANS, INC. | $2,655,000 | $3,840,000 | 44.6% | 1.1% |
| U.S. Bank | $1,615,000 | $3,690,000 | 128.5% | 1.0% |
| Flagstar Bank, FSB | $1,580,000 | $3,665,000 | 132.0% | 1.0% |
| RANDOLPH-BROOKS | $6,270,000 | $3,620,000 | -42.3% | 1.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,520,000 | $3,555,000 | 41.1% | 1.0% |
| First Republic Bank | $3,325,000 | n/a | 0.9% | |
| NEXUS SERIES B, LLC | $3,310,000 | n/a | 0.9% | |
| Network Funding, L.P. | $2,340,000 | $3,250,000 | 38.9% | 0.9% |
| MOVEMENT MORTGAGE, LLC | $1,010,000 | $3,120,000 | 208.9% | 0.9% |
| ANGEL OAK HOME LOANS LLC | $3,070,000 | n/a | 0.8% | |
| HOME POINT FINANCIAL CORPORATION | $1,440,000 | $2,965,000 | 105.9% | 0.8% |
| BETTER MORTGAGE CORPORATION | $1,365,000 | $2,890,000 | 111.7% | 0.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,960,000 | $2,860,000 | -3.4% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $2,380,000 | $2,825,000 | 18.7% | 0.8% |
| BancorpSouth Bank | $2,350,000 | $2,555,000 | 8.7% | 0.7% |
| Greenbox Loans, Inc. | $2,525,000 | n/a | 0.7% | |
| UBS Bank USA | $3,260,000 | $2,450,000 | -24.8% | 0.7% |
| AMERISAVE MORTGAGE CORPORATION | $1,070,000 | $2,400,000 | 124.3% | 0.7% |
| SouthStar Bank, S.S.B. | $2,365,000 | n/a | 0.6% | |
| Mortgage Research Center, LLC | $630,000 | $2,345,000 | 272.2% | 0.6% |
| AMPLIFY | $620,000 | $2,330,000 | 275.8% | 0.6% |
| Independent Bank | $1,535,000 | $2,320,000 | 51.1% | 0.6% |
| 21ST MORTGAGE CORPORATION | $1,795,000 | $2,270,000 | 26.5% | 0.6% |
| CANOPY MORTGAGE, LLC | $2,255,000 | n/a | 0.6% | |
| First Financial Bank | $2,690,000 | $2,225,000 | -17.3% | 0.6% |
| ARC HOME LLC | $1,535,000 | $2,150,000 | 40.1% | 0.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $2,070,000 | n/a | 0.6% | |
| PlainsCapital Bank | $735,000 | $2,025,000 | 175.5% | 0.6% |
| Visio Financial Services Inc. | $2,010,000 | n/a | 0.5% | |
| First Horizon Bank | $2,005,000 | n/a | 0.5% | |
| UNIVERSITY Federal Credit Union | $1,275,000 | $1,955,000 | 53.3% | 0.5% |
| Citizens Bank | $3,610,000 | $1,945,000 | -46.1% | 0.5% |
| BM Real Estate Services, Inc. | $515,000 | $1,760,000 | 241.7% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $2,185,000 | $1,755,000 | -19.7% | 0.5% |
| CORNERSTONE HOME LENDING, INC. | $5,650,000 | $1,750,000 | -69.0% | 0.5% |
| Regions Bank | $5,410,000 | $1,660,000 | -69.3% | 0.5% |
| R Bank | $515,000 | $1,650,000 | 220.4% | 0.5% |
| CMG MORTGAGE, INC. | $3,625,000 | $1,640,000 | -54.8% | 0.4% |
| FINANCE OF AMERICA MORTGAGE LLC | $700,000 | $1,595,000 | 127.9% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $1,015,000 | $1,575,000 | 55.2% | 0.4% |
| Broadway National Bank | $3,595,000 | $1,560,000 | -56.6% | 0.4% |
| SECURITYNATIONAL MORTGAGE COMPANY | $2,755,000 | $1,550,000 | -43.7% | 0.4% |
| PENNYMAC LOAN SERVICES, LLC | $1,575,000 | $1,480,000 | -6.0% | 0.4% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,440,000 | n/a | 0.4% | |
| THRIVE MORTGAGE, LLC | $835,000 | $1,430,000 | 71.3% | 0.4% |
| Commerce Bank | $1,385,000 | n/a | 0.4% | |
| The First National Bank of Sonora | $295,000 | $1,365,000 | 362.7% | 0.4% |
| INTERLINC MORTGAGE SERVICES, LLC | $295,000 | $1,345,000 | 355.9% | 0.4% |
| Gateway First Bank | $1,285,000 | $1,340,000 | 4.3% | 0.4% |
| Texas Community Bank | $1,335,000 | n/a | 0.4% | |
| North American Savings Bank, F.S.B. | $850,000 | $1,285,000 | 51.2% | 0.4% |
| UNITED BUILT HOMES, L.L.C. | $435,000 | $1,225,000 | 181.6% | 0.3% |
| Zions Bancorporation, N.A. | $1,675,000 | $1,225,000 | -26.9% | 0.3% |
| LOANPEOPLE, LLC | $635,000 | $1,220,000 | 92.1% | 0.3% |
| BOKF | $1,190,000 | n/a | 0.3% | |
| Waterstone Mortgage Corporation | $515,000 | $1,190,000 | 131.1% | 0.3% |
| The Home Loan Expert LLC | $515,000 | $1,175,000 | 128.2% | 0.3% |
| City Bank | $2,575,000 | $1,165,000 | -54.8% | 0.3% |
| FirstCapital Bank of Texas | $375,000 | $1,155,000 | 208.0% | 0.3% |
| First Bank | $1,145,000 | n/a | 0.3% | |
| Ally Bank | $505,000 | $1,140,000 | 125.7% | 0.3% |
| MORTGAGE FINANCIAL SERVICES, LLC | $1,340,000 | $1,095,000 | -18.3% | 0.3% |
| PILGRIM MORTGAGE LLC | $665,000 | $1,070,000 | 60.9% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $265,000 | $1,030,000 | 288.7% | 0.3% |
| OPEN MORTGAGE, LLC | $880,000 | $960,000 | 9.1% | 0.3% |
| SENTE MORTGAGE, INC. | $1,835,000 | $925,000 | -49.6% | 0.3% |
| BROKER SOLUTIONS, INC. | $325,000 | $895,000 | 175.4% | 0.2% |
| FINANCE OF AMERICA COMMERCIAL LLC | $505,000 | $895,000 | 77.2% | 0.2% |
| Amarillo National Bank | $890,000 | n/a | 0.2% | |
| Mr. Cooper ( Nationstar Mortgage ) | $2,300,000 | $880,000 | -61.7% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $860,000 | n/a | 0.2% | |
| DHI MORTGAGE COMPANY, LTD. | $255,000 | $850,000 | 233.3% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $845,000 | n/a | 0.2% | |
| Stifel Bank and Trust | $845,000 | n/a | 0.2% | |
| AgFirst Farm Credit Bank | $820,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $750,000 | $815,000 | 8.7% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $105,000 | $805,000 | 666.7% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $480,000 | $800,000 | 66.7% | 0.2% |
| Commercial Bank of Texas | $765,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL NETWORK, INC. | $265,000 | $760,000 | 186.8% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $415,000 | $750,000 | 80.7% | 0.2% |
| American Airlines Federal Credit Union | $225,000 | $745,000 | 231.1% | 0.2% |
| The First Liberty National Bank | $745,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $740,000 | n/a | 0.2% | |
| Farm Credit Mid-America, ACA | $730,000 | n/a | 0.2% | |
| Inwood National Bank | $800,000 | $730,000 | -8.8% | 0.2% |
| NATIONS RELIABLE LENDING, LLC | $245,000 | $720,000 | 193.9% | 0.2% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $1,455,000 | $675,000 | -53.6% | 0.2% |
| Frost Bank | $1,015,000 | $675,000 | -33.5% | 0.2% |
| DIRECTIONS EQUITY, LLC | $670,000 | n/a | 0.2% | |
| Truist Bank | $2,145,000 | $665,000 | -69.0% | 0.2% |
| Jefferson Bank | $355,000 | $645,000 | 81.7% | 0.2% |
| SECURITY SERVICE | $3,110,000 | $640,000 | -79.4% | 0.2% |
| Morgan Stanley Private Bank | $1,915,000 | $605,000 | -68.4% | 0.2% |
| Colonial Savings, F.A. | $1,320,000 | $600,000 | -54.5% | 0.2% |
| NEW DAY FINANCIAL, LLC | $375,000 | $595,000 | 58.7% | 0.2% |
| CIVIC FINANCIAL SERVICES, LLC | $590,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $570,000 | n/a | 0.2% | |
| RB MORTGAGE LLC | $525,000 | $565,000 | 7.6% | 0.2% |
| ACADEMY MORTGAGE CORPORATION | $545,000 | n/a | 0.1% | |
| ASSOCIATED MORTGAGE CORPORATION | $515,000 | $545,000 | 5.8% | 0.1% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $545,000 | n/a | 0.1% | |
| Pioneer Bank, SSB | $3,670,000 | $545,000 | -85.1% | 0.1% |
| The Central Trust Bank | $545,000 | n/a | 0.1% | |
| CROSSCOUNTRY MORTGAGE, LLC | $1,340,000 | $540,000 | -59.7% | 0.1% |
| Lone Star Capital Bank | $535,000 | n/a | 0.1% | |
| T2 FINANCIAL LLC | $530,000 | n/a | 0.1% | |
| CHERRY CREEK MORTGAGE, LLC | $515,000 | $515,000 | 0.0% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $690,000 | $505,000 | -26.8% | 0.1% |
| InterContinental Capital Group, Inc | $500,000 | n/a | 0.1% | |
| TEXANS | $495,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $300,000 | $485,000 | 61.7% | 0.1% |
| ASPIRE FINANCIAL, INC. | $315,000 | $460,000 | 46.0% | 0.1% |
| CLEARPATH LENDING | $450,000 | n/a | 0.1% | |
| Chicago Mortgage Solutions LLC | $445,000 | n/a | 0.1% | |
| Citizens National Bank, N.A. | $725,000 | $445,000 | -38.6% | 0.1% |
| PLANET HOME LENDING, LLC | $445,000 | n/a | 0.1% | |
| Strong Home Mortgage, LLC | $445,000 | n/a | 0.1% | |
| Texas Mortgage Lending, LLC | $475,000 | $445,000 | -6.3% | 0.1% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $435,000 | n/a | 0.1% | |
| Great Plains National Bank | $405,000 | n/a | 0.1% | |
| Manufacturers and Traders Trust Company | $65,000 | $405,000 | 523.1% | 0.1% |
| PNC Bank | $405,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $475,000 | $400,000 | -15.8% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $315,000 | $390,000 | 23.8% | 0.1% |
| CERTAINTY HOME LOANS, LLC | $385,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $1,300,000 | $385,000 | -70.4% | 0.1% |
| Comerica Bank | $375,000 | n/a | 0.1% | |
| NexBank | $375,000 | n/a | 0.1% | |
| Town Square Mortgage & Investments, Inc. | $375,000 | n/a | 0.1% | |
| AmeriHome Mortgage Company, LLC | $325,000 | $365,000 | 12.3% | 0.1% |
| COUNTRYPLACE MORTGAGE, LTD. | $285,000 | $365,000 | 28.1% | 0.1% |
| First Home Bank | $355,000 | n/a | 0.1% | |
| UMB Bank | $355,000 | n/a | 0.1% | |
| Community First National Bank | $345,000 | n/a | 0.1% | |
| MORIA DEVELOPMENT, INC. | $345,000 | n/a | 0.1% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $515,000 | $335,000 | -35.0% | 0.1% |
| NEWREZ LLC | $340,000 | $335,000 | -1.5% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $655,000 | $325,000 | -50.4% | 0.1% |
| AXIA FINANCIAL, LLC | $485,000 | $325,000 | -33.0% | 0.1% |
| MEMBER HOME LOAN, L.L.C. | $325,000 | n/a | 0.1% | |
| S1L, Inc. | $315,000 | n/a | 0.1% | |
| VAN DYK MORTGAGE CORPORATION | $305,000 | n/a | 0.1% | |
| V.I.P. MORTGAGE, INC. | $300,000 | n/a | 0.1% | |
| IMPAC MORTGAGE CORP. | $285,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $285,000 | n/a | 0.1% | |
| SOUTHWEST FUNDING, LP | $630,000 | $275,000 | -56.3% | 0.1% |
| Sunflower Bank | $245,000 | $275,000 | 12.2% | 0.1% |
| The Federal Savings Bank | $275,000 | n/a | 0.1% | |
| THRIVENT Federal Credit Union | $125,000 | $275,000 | 120.0% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $145,000 | $270,000 | 86.2% | 0.1% |
| HOMEWAY MORTGAGE LLC | $265,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $265,000 | n/a | 0.1% | |
| TEXELL Credit Union | $265,000 | n/a | 0.1% | |
| Wallick & Volk, Inc. | $265,000 | n/a | 0.1% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $255,000 | n/a | 0.1% | |
| LEGEND LENDING CORPORATION | $635,000 | $255,000 | -59.8% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $255,000 | n/a | 0.1% | |
| NORTHROP GRUMMAN Federal Credit Union | $255,000 | n/a | 0.1% | |
| RANLIFE, INC. | $195,000 | $255,000 | 30.8% | 0.1% |
| FIRSTMARK | $85,000 | $245,000 | 188.2% | 0.1% |
| Hometown Lenders, Inc. | $285,000 | $245,000 | -14.0% | 0.1% |
| THE MORTGAGE FIRM, INC. | $245,000 | n/a | 0.1% | |
| International Bank of Commerce | $400,000 | $240,000 | -40.0% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $355,000 | $235,000 | -33.8% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $115,000 | $230,000 | 100.0% | 0.1% |
| EVERETT FINANCIAL, INC. | $1,220,000 | $225,000 | -81.6% | 0.1% |
| GUARANTY HOME MORTGAGE CORPORATION | $225,000 | n/a | 0.1% | |
| Paramount Bank | $325,000 | $205,000 | -36.9% | 0.1% |
| SOFI LENDING CORP. | $265,000 | $205,000 | -22.6% | 0.1% |
| UNITED MORTGAGE CORP. | $205,000 | n/a | 0.1% | |
| HOME FINANCING UNLIMITED, INC. | $255,000 | $195,000 | -23.5% | 0.1% |
| Bank of England | $175,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $175,000 | n/a | 0.0% | |
| GREAT WESTERN FINANCIAL SERVICES, INC. | $165,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $165,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $145,000 | n/a | 0.0% | |
| LOANPAL, LLC | $135,000 | n/a | 0.0% | |
| First Commercial Bank | $115,000 | n/a | 0.0% | |
| Nations Lending Corporation | $270,000 | $95,000 | -64.8% | 0.0% |
| The First National Bank of Bastrop | $95,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $275,000 | $75,000 | -72.7% | 0.0% |
Fredericksburg's top lender by overall market share is First United Bank and Trust Company, with 10.1% market share. In second place, with 8.4%, is Security State Bank & Trust, having originated $30,730,000 in loans. In third place, with 5.7%, is QUICKEN LOANS, LLC, having originated $20,770,000 in loans. In third place, with 5.0%, is JPMorgan Chase Bank, having originated $18,110,000 in loans. In third place, with 2.3%, is Prosperity Bank, having originated $8,250,000 in loans.
Fredericksburg, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 432 | $196,820,000 | $455,602 |
| Refi | 289 | $89,845,000 | $310,882 |
| Cash Out Refi | 147 | $50,995,000 | $346,905 |
| Other | 29 | $17,815,000 | $614,310 |
| Home Improvement | 20 | $3,910,000 | $195,500 |
| NA | 12 | $6,210,000 | $517,500 |
Fredericksburg's most frequently cited loan purpose was Home Purchase, with 432 originations. The 2nd most popular reason was Refi, with 289 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 324 | $129,320,000 | $399,136 |
| 3-4% | 278 | $104,790,000 | $376,942 |
| <2.5% | 120 | $42,470,000 | $353,917 |
| 4-5% | 44 | $21,930,000 | $498,409 |
| Over 8% | 19 | $6,875,000 | $361,842 |
| 5-6% | 16 | $4,900,000 | $306,250 |
| 6-7% | 9 | $1,765,000 | $196,111 |
| 7-8% | 3 | $305,000 | $101,667 |
During 2021, Fredericksburg's most frequently originated rate bucket was 2.5-3%, with 324 originations.
Loan Sizing (Fredericksburg, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 434 | $126,420,000 | $291,290 |
| $400k-600k | 198 | $96,080,000 | $485,253 |
| $100k-200k | 152 | $23,370,000 | $153,750 |
| $600k-1000k | 64 | $47,180,000 | $737,188 |
| $100,000 or less | 41 | $3,055,000 | $74,512 |
| $Over $1MM | 40 | $69,490,000 | $1,737,250 |
Fredericksburg's loan sizing saw the bucket of loans from $200k-400k with 434 originations, totaling $126,420,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 60-80% | 299 | $133,155,000 | $445,334 |
| 80-100% | 211 | $88,795,000 | $420,829 |
| 40-60% | 162 | $55,350,000 | $341,667 |
| 20-40% | 94 | $23,210,000 | $246,915 |
| Under 20% | 20 | $2,340,000 | $117,000 |
| Over 100% | 8 | $2,130,000 | $266,250 |
Fredericksburg's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 299 originations, totaling $133,155,000 in origination value.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Fredericksburg (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 | $499,500 (-9.1%) | $760,385 (-9.9%) | 0.00 | 273 |
| 2018-02-01 | $499,250 (-10.8%) | $753,432 (-11.5%) | 0.00 | 272 |
| 2018-03-01 | $499,500 (-15.5%) | $733,169 (-15.9%) | 0.00 | 289 |
| 2018-04-01 | $499,000 (-16.6%) | $745,165 (-15.1%) | 0.00 | 288 |
| 2018-05-01 | $495,000 (-17.4%) | $734,748 (-16.7%) | 0.00 | 294 |
| 2018-06-01 | $510,000 (-14.4%) | $734,481 (-12.7%) | 0.00 | 290 |
| 2018-07-01 | $539,000 (-10.0%) | $739,942 (-10.7%) | 0.00 | 283 |
| 2018-08-01 | $510,000 (-11.3%) | $750,167 (-6.9%) | 0.00 | 283 |
| 2018-09-01 | $510,000 (-11.3%) | $762,818 (-7.6%) | 0.00 | 279 |
| 2018-10-01 | $517,000 (-10.4%) | $751,477 (-8.0%) | 0.00 | 275 |
| 2018-11-01 | $497,000 (-8.2%) | $735,520 (-6.2%) | 0.00 | 279 |
| 2018-12-01 | $475,000 (-15.2%) | $736,417 (-5.9%) | 0.00 | 279 |
| 2019-01-01 | $504,500 (1.0%) | $761,328 (0.1%) | 0.00 | 250 |
| 2019-02-01 | $517,500 (3.7%) | $758,077 (0.6%) | 0.00 | 243 |
| 2019-03-01 | $555,000 (11.1%) | $797,688 (8.8%) | 0.00 | 243 |
| 2019-04-01 | $595,000 (19.2%) | $827,016 (11.0%) | 0.00 | 253 |
| 2019-05-01 | $597,000 (20.6%) | $833,894 (13.5%) | 0.00 | 262 |
| 2019-06-01 | $555,000 (8.8%) | $824,908 (12.3%) | 0.00 | 276 |
| 2019-07-01 | $546,850 (1.5%) | $794,410 (7.4%) | 0.00 | 273 |
| 2019-08-01 | $535,857 (5.1%) | $785,797 (4.8%) | 0.00 | 289 |
| 2019-09-01 | $528,857 (3.7%) | $799,657 (4.8%) | 0.00 | 300 |
| 2019-10-01 | $546,500 (5.7%) | $826,051 (9.9%) | 0.00 | 319 |
| 2019-11-01 | $549,900 (10.6%) | $851,521 (15.8%) | 0.00 | 309 |
| 2019-12-01 | $544,000 (14.5%) | $887,681 (20.5%) | 0.00 | 290 |
| 2020-01-01 | $559,750 (11.0%) | $841,783 (10.6%) | 0.00 | 247 |
| 2020-02-01 | $619,000 (19.6%) | $927,205 (22.3%) | 0.00 | 241 |
| 2020-03-01 | $680,000 (22.5%) | $976,765 (22.5%) | 0.00 | 244 |
| 2020-04-01 | $685,000 (15.1%) | $958,488 (15.9%) | 0.00 | 275 |
| 2020-05-01 | $685,000 (14.7%) | $951,251 (14.1%) | 0.00 | 278 |
| 2020-06-01 | $672,500 (21.2%) | $954,817 (15.8%) | 0.00 | 272 |
| 2020-07-01 | $719,900 (31.6%) | $988,419 (24.4%) | 0.00 | 245 |
| 2020-08-01 | $749,000 (39.8%) | $964,490 (22.7%) | 0.00 | 221 |
| 2020-09-01 | $677,000 (28.0%) | $906,460 (13.4%) | 0.00 | 198 |
| 2020-10-01 | $749,000 (37.1%) | $1,019,002 (23.4%) | 0.00 | 178 |
| 2020-11-01 | $789,500 (43.6%) | $1,045,242 (22.8%) | 0.00 | 167 |
| 2020-12-01 | $762,500 (40.2%) | $1,135,200 (27.9%) | 0.00 | 138 |
| 2021-01-01 | $799,000 (42.7%) | $1,136,042 (35.0%) | 0.00 | 111 |
| 2021-02-01 | $892,000 (44.1%) | $1,219,172 (31.5%) | 0.00 | 97 |
| 2021-03-01 | $957,000 (40.7%) | $1,176,088 (20.4%) | 0.00 | 95 |
| 2021-04-01 | $960,000 (40.2%) | $1,280,914 (33.6%) | 0.00 | 72 |
| 2021-05-01 | $925,000 (35.0%) | $1,229,608 (29.3%) | 0.00 | 71 |
| 2021-06-01 | $895,000 (33.1%) | $1,354,063 (41.8%) | 0.00 | 81 |
| 2021-07-01 | $812,250 (12.8%) | $1,238,238 (25.3%) | 0.00 | 113 |
| 2021-08-01 | $840,500 (12.2%) | $1,379,510 (43.0%) | 0.00 | 118 |
| 2021-09-01 | $792,000 (17.0%) | $1,363,979 (50.5%) | 0.00 | 139 |
| 2021-10-01 | $895,000 (19.5%) | $1,484,652 (45.7%) | 0.00 | 121 |
| 2021-11-01 | $925,000 (17.2%) | $1,664,558 (59.3%) | 0.00 | 100 |
| 2021-12-01 | $935,000 (22.6%) | $1,573,204 (38.6%) | 0.00 | 97 |
| 2022-01-01 | $1,150,000 (43.9%) | $1,572,391 (38.4%) | 0.00 | 82 |
| 2022-02-01 | $1,150,000 (28.9%) | $1,630,552 (33.7%) | 0.00 | 76 |
| 2022-03-01 | $1,195,000 (24.9%) | $1,688,257 (43.6%) | 0.00 | 81 |
| 2022-04-01 | $1,200,000 (25.0%) | $1,746,122 (36.3%) | 0.00 | 94 |
| 2022-05-01 | $924,000 (-0.1%) | $1,483,398 (20.6%) | 0.00 | 117 |
| 2022-06-01 | $855,000 (-4.5%) | $1,348,147 (-0.4%) | 0.00 | 163 |
Fredericksburg's median listing price comes in at 0% of the national average.
Fredericksburg's average listing price for 2022-06-01 was $1,348,147, a difference of $-5,916 (-0.4%) versus the prior year and $-135,251 versus the prior month.
For the 2022-06-01 period, Fredericksburg had 163 MLS listings, a difference of 46 listings (39%) versus the prior month and 82 listings (101%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Fredericksburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,219 sqft |
| 2018-02-01 | 0 days | 2,229 sqft |
| 2018-03-01 | 0 days | 2,200 sqft |
| 2018-04-01 | 0 days | 2,322 sqft |
| 2018-05-01 | 0 days | 2,318 sqft |
| 2018-06-01 | 0 days | 2,313 sqft |
| 2018-07-01 | 0 days | 2,335 sqft |
| 2018-08-01 | 0 days | 2,277 sqft |
| 2018-09-01 | 0 days | 2,274 sqft |
| 2018-10-01 | 0 days | 2,237 sqft |
| 2018-11-01 | 0 days | 2,198 sqft |
| 2018-12-01 | 0 days | 2,145 sqft |
| 2019-01-01 | 0 days | 2,110 sqft |
| 2019-02-01 | 0 days | 2,096 sqft |
| 2019-03-01 | 0 days | 2,121 sqft |
| 2019-04-01 | 0 days | 2,082 sqft |
| 2019-05-01 | 0 days | 2,066 sqft |
| 2019-06-01 | 0 days | 2,040 sqft |
| 2019-07-01 | 0 days | 1,993 sqft |
| 2019-08-01 | 0 days | 1,977 sqft |
| 2019-09-01 | 0 days | 1,988 sqft |
| 2019-10-01 | 0 days | 2,012 sqft |
| 2019-11-01 | 0 days | 2,117 sqft |
| 2019-12-01 | 0 days | 2,141 sqft |
| 2020-01-01 | 0 days | 2,135 sqft |
| 2020-02-01 | 0 days | 2,221 sqft |
| 2020-03-01 | 0 days | 2,326 sqft |
| 2020-04-01 | 0 days | 2,326 sqft |
| 2020-05-01 | 0 days | 2,339 sqft |
| 2020-06-01 | 0 days | 2,339 sqft |
| 2020-07-01 | 0 days | 2,466 sqft |
| 2020-08-01 | 0 days | 2,432 sqft |
| 2020-09-01 | 0 days | 2,298 sqft |
| 2020-10-01 | 0 days | 2,312 sqft |
| 2020-11-01 | 0 days | 2,340 sqft |
| 2020-12-01 | 0 days | 2,474 sqft |
| 2021-01-01 | 0 days | 2,522 sqft |
| 2021-02-01 | 0 days | 2,710 sqft |
| 2021-03-01 | 0 days | 2,748 sqft |
| 2021-04-01 | 0 days | 2,710 sqft |
| 2021-05-01 | 0 days | 2,314 sqft |
| 2021-06-01 | 0 days | 2,278 sqft |
| 2021-07-01 | 0 days | 2,230 sqft |
| 2021-08-01 | 0 days | 2,101 sqft |
| 2021-09-01 | 0 days | 2,125 sqft |
| 2021-10-01 | 0 days | 2,187 sqft |
| 2021-11-01 | 0 days | 2,350 sqft |
| 2021-12-01 | 0 days | 2,380 sqft |
| 2022-01-01 | 0 days | 2,556 sqft |
| 2022-02-01 | 0 days | 2,978 sqft |
| 2022-03-01 | 0 days | 2,693 sqft |
| 2022-04-01 | 0 days | 2,784 sqft |
| 2022-05-01 | 0 days | 2,085 sqft |
| 2022-06-01 | 0 days | 2,053 sqft |
Fredericksburg's median square footage for active listings during the 2022-06-01 period was 2,053 sqft. One year prior, the average listing was 2,278 sqft.
