Fredericksburg Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Fredericksburg averaged 6.79% for the week of 2024-11-14, compared to the national average of 6.78% for the same period.

    The average rate for the prior week (2024-11-07) was 6.6% and one month ago for the week of 2024-10-10, the average rate was 6.43%.

    Fredericksburg's average rate one year ago was 7.71%.

    For refis of the same type during the week of 2024-11-14, the average rate was 7.18%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-14 6.78%
    Fredericksburg 30 Year Fixed Rate 2024-11-14 6.79%
    Fredericksburg 30 Year Fixed Rate Refi 2024-11-14 7.18%
    Fredericksburg 15 Year Fixed Rate 2024-11-14 6.09%
    Fredericksburg 15 Year Fixed Rate Refi 2024-11-14 5.99%
    Fredericksburg 30 Year FHA 2024-11-14 -0.2%
    Fredericksburg 30 Year FHA Refi 2024-11-14 -0.1%
    Fredericksburg 30 Year USDA 2024-11-14 0.1%
    Fredericksburg 30 Year USDA Refi 2024-11-14 -0.2%
    Fredericksburg 30 Year VA 2024-11-14 -0.2%
    Fredericksburg 30 Year VA Refi 2024-11-14 0.2%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Fredericksburg, TX.

    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.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 30 6.81% $10,140
    UNITED WHOLESALE MORTGAGE, LLC 13 6.79% $10,777
    First United Bank and Trust Company 12 7.02% $5,148
    Security State Bank & Trust 10 7.36% $6,896
    Morgan Stanley Private Bank 9 5.78% $4,884
    AMCAP MORTGAGE, LTD. 8 7.33% $14,086
    JPMorgan Chase Bank 6 6.48% $5,606
    GUILD MORTGAGE COMPANY 6 6.87% $11,915
    CMG MORTGAGE, INC. 5 6.43% $9,291
    SECURITY SERVICE 5 6.43% $6,271
    CROSSCOUNTRY MORTGAGE, LLC 5 7.28% $12,747
    USAA Federal Savings Bank 4 6.13% $10,951
    RANDOLPH-BROOKS 4 6.63% $2,726
    LOANPEOPLE, LLC 4 6.69% $11,788
    SWBC MORTGAGE CORPORATION 3 6.83% $6,313
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 7.08% $9,894
    Farm Credit Mid-America, ACA 3 7.08% $16,155
    PENNYMAC LOAN SERVICES, LLC 3 6.62% $16,150
    THRIVE MORTGAGE, LLC 3 6.75% $10,597
    Mr. Cooper ( Nationstar Mortgage ) 3 6.33% $13,576
    ARC HOME LLC 3 6.49% $14,055
    Flagstar Bank, FSB 3 6.37% $8,920
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 7.88% $14,657
    ROYAL UNITED MORTGAGE LLC 2 7.00% $20,362
    BM Real Estate Services, Inc. 2 7.87% $12,410
    SENTE MORTGAGE, INC. 2 7.18% $14,955
    NATIONS RELIABLE LENDING, LLC 2 6.69% $18,336
    BancorpSouth 2 5.50% $15,848
    NBKC BANK 1 6.13% $6,931
    NEWREZ LLC 1 7.38% $4,098
    NEXERA HOLDING LLC 1 7.38% $22,290
    PHH Mortgage Corporation 1 7.25% $40,272
    PILGRIM MORTGAGE LLC 1 6.38% $4,818
    PLAZA HOME MORTGAGE, INC. 1 8.50% $15,916
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.63% $13,056
    Prosperity Bank 1 6.13% $15,713
    S1L, Inc. 1 6.38% $18,644
    SeaTrust Mortgage Company 1 6.62% $6,255
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.50% $17,153
    T2 FINANCIAL LLC 1 6.25% $13,994
    The Huntington National Bank 1 6.00% $12,735
    TIB The Independent Bankersbank 1 7.63% $6,510
    Truity Federal Credit Union 1 6.00% $2,920
    UBS Bank USA 1 5.88% $4,009
    UNION HOME MORTGAGE CORP. 1 5.88% $13,481
    UNIVERSITY Federal Credit Union 1 6.75% $5,122
    VAN DYK MORTGAGE CORPORATION 1 7.63% $10,115
    VeraBank 1 6.40% $2,668
    WILLOW BEND MORTGAGE COMPANY, LLC 1 7.38% $8,276
    AAXY L.L.C. 1 7.50% $6,148
    Zions Bank 1 6.25% $5,628
    A&D Mortgage LLC 1 8.75% $11,706
    AMERICAN FINANCING CORPORATION 1 6.88% $13,944
    AMERISAVE MORTGAGE CORPORATION 1 6.25% $12,498
    AMPLIFY 1 6.88% $10,299
    Bank of America 1 5.50% $7,506
    BAY EQUITY LLC 1 7.88% $8,539
    BMO Harris Bank 1 5.50% $8,987
    BROKER SOLUTIONS, INC. 1 6.24% $8,303
    Centennial Bank 1 7.75% $6,379
    CHEVRON 1 5.38% $21,208
    CHURCHILL MORTGAGE CORPORATION 1 7.50% $21,196
    Community First National Bank 1 6.95% $9,567
    DEEPHAVEN MORTGAGE LLC 1 8.63% $36,738
    Extraco Banks 1 6.75% $4,500
    First Bank 1 6.38% $10,896
    First Federal Bank 1 6.50% $4,997
    First Horizon Bank 1 4.38% $22,794
    GUARANTEED RATE, INC. 1 6.88% $4,474
    Guaranty Bank & Trust, N.A. 1 7.00% $9,336
    Independent Bank 1 7.63% $20,027
    International Bank of Commerce 1 6.50% $6,897
    LENDSURE MORTGAGE CORP. 1 8.38% $15,036
    LOANDEPOT.COM, LLC 1 6.50% $6,599
    MOBILOIL 1 6.00% $275
    MORTGAGE FINANCIAL SERVICES, LLC 1 6.13% $5,367
    MOVEMENT MORTGAGE, LLC 1 6.50% $6,984
    NAVY FEDERAL CREDIT UNION 1 5.63% $2,934

    Fredericksburg Average Closing Costs & Other Stats

    Fredericksburg, TX's 78 lenders originated 409 loans during 2023. The total origination value was $192,875,000, with an average loan value of $471,577.

    Fredericksburg's average closing costs are $7,214.

    The top Fredericksburg lender as defined by loan originations is QUICKEN LOANS, LLC, with 30 loans originated. Their average total fees are $10,140, which is $638 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Fredericksburg lenders (with over 10 loans originated) are First United Bank and Trust Company ($5,148), Security State Bank & Trust ($6,896), QUICKEN LOANS, LLC ($10,140), UNITED WHOLESALE MORTGAGE, LLC ($10,777) and .

    The lowest rate Fredericksburg lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.79%), QUICKEN LOANS, LLC (6.81%), First United Bank and Trust Company (7.02%), Security State Bank & Trust (7.36%) and .

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Security State Bank & Trust $25,160,000 $15,690,000 -37.6% 8.1%
    QUICKEN LOANS, LLC $11,235,000 $13,530,000 20.4% 7.0%
    First United Bank and Trust Company $40,755,000 $10,645,000 -73.9% 5.5%
    Prosperity Bank $13,025,000 $8,705,000 -33.2% 4.5%
    UNITED WHOLESALE MORTGAGE, LLC $3,555,000 $7,605,000 113.9% 3.9%
    AMCAP MORTGAGE, LTD. $3,415,000 $5,650,000 65.4% 2.9%
    Morgan Stanley Private Bank $4,020,000 $5,215,000 29.7% 2.7%
    Bank of America $4,955,000 $4,445,000 -10.3% 2.3%
    BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $4,315,000 n/a 2.2%
    PENNYMAC LOAN SERVICES, LLC $1,985,000 $3,535,000 78.1% 1.8%
    GUILD MORTGAGE COMPANY $3,335,000 $3,430,000 2.8% 1.8%
    RANDOLPH-BROOKS $3,695,000 $3,380,000 -8.5% 1.8%
    CROSSCOUNTRY MORTGAGE, LLC $920,000 $3,120,000 239.1% 1.6%
    First Horizon Bank $1,995,000 $2,995,000 50.1% 1.6%
    Broadway National Bank $4,375,000 $2,860,000 -34.6% 1.5%
    JPMorgan Chase Bank $6,855,000 $2,805,000 -59.1% 1.5%
    SECURITY SERVICE $4,810,000 $2,780,000 -42.2% 1.4%
    UBS Bank USA $2,585,000 $2,700,000 4.4% 1.4%
    CMG MORTGAGE, INC. $3,180,000 $2,675,000 -15.9% 1.4%
    Texas Regional Bank $4,660,000 $2,630,000 -43.6% 1.4%
    LOANPEOPLE, LLC $1,020,000 $2,530,000 148.0% 1.3%
    Farm Credit Mid-America, ACA $945,000 $2,505,000 165.1% 1.3%
    BancorpSouth $2,245,000 $2,150,000 -4.2% 1.1%
    THRIVE MORTGAGE, LLC $2,150,000 n/a 1.1%
    Zions Bank $5,740,000 $2,140,000 -62.7% 1.1%
    Independent Bank $4,055,000 $2,080,000 -48.7% 1.1%
    First Commercial Bank $465,000 $2,005,000 331.2% 1.0%
    DEEPHAVEN MORTGAGE LLC $365,000 $1,965,000 438.4% 1.0%
    PHH Mortgage Corporation $1,760,000 $1,830,000 4.0% 0.9%
    ARC HOME LLC $1,815,000 $1,685,000 -7.2% 0.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,485,000 $1,675,000 -32.6% 0.9%
    USAA Federal Savings Bank $920,000 $1,670,000 81.5% 0.9%
    SWBC MORTGAGE CORPORATION $2,040,000 $1,655,000 -18.9% 0.9%
    Frost Bank $940,000 $1,505,000 60.1% 0.8%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,505,000 n/a 0.8%
    FOUNDATION MORTGAGE CORPORATION $1,495,000 n/a 0.8%
    WILLOW BEND MORTGAGE COMPANY, LLC $505,000 $1,480,000 193.1% 0.8%
    Commerce Home Mortgage, Inc. $1,325,000 n/a 0.7%
    The Bank & Trust $1,350,000 $1,320,000 -2.2% 0.7%
    Flagstar Bank, FSB $1,450,000 $1,305,000 -10.0% 0.7%
    TRIAD FINANCIAL SERVICES, INC. $1,055,000 $1,290,000 22.3% 0.7%
    SENTE MORTGAGE, INC. $465,000 $1,270,000 173.1% 0.7%
    Centennial Bank $4,290,000 $1,160,000 -73.0% 0.6%
    Texas Gulf Bank $1,145,000 n/a 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $1,015,000 $1,085,000 6.9% 0.6%
    GSB MORTGAGE, INC. $1,075,000 n/a 0.6%
    Academy Bank $1,045,000 n/a 0.5%
    NATIONS RELIABLE LENDING, LLC $1,150,000 $1,030,000 -10.4% 0.5%
    HOMEXPRESS MORTGAGE CORP. $1,015,000 n/a 0.5%
    Vantage Bank Texas $1,015,000 n/a 0.5%
    LOANDEPOT.COM, LLC $3,980,000 $1,010,000 -74.6% 0.5%
    Mortgage Research Center, LLC $1,530,000 $1,005,000 -34.3% 0.5%
    21ST MORTGAGE CORPORATION $4,025,000 $1,000,000 -75.2% 0.5%
    First Bank $945,000 $980,000 3.7% 0.5%
    EASTMAN $925,000 n/a 0.5%
    Citibank $1,385,000 $875,000 -36.8% 0.5%
    Wells Fargo Bank $1,460,000 $870,000 -40.4% 0.5%
    T2 FINANCIAL LLC $610,000 $845,000 38.5% 0.4%
    CHURCHILL MORTGAGE CORPORATION $385,000 $825,000 114.3% 0.4%
    NAVY FEDERAL CREDIT UNION $735,000 $800,000 8.8% 0.4%
    Northpointe Bank $505,000 $785,000 55.4% 0.4%
    CORNERSTONE HOME LENDING, INC. $375,000 $770,000 105.3% 0.4%
    CREDIT HUMAN FEDERAL CREDIT UNION $820,000 $770,000 -6.1% 0.4%
    UNION HOME MORTGAGE CORP. $725,000 n/a 0.4%
    Community First National Bank $715,000 n/a 0.4%
    BM Real Estate Services, Inc. $620,000 $710,000 14.5% 0.4%
    NEWREZ LLC $670,000 $690,000 3.0% 0.4%
    ROYAL UNITED MORTGAGE LLC $175,000 $690,000 294.3% 0.4%
    V.I.P. MORTGAGE, INC. $735,000 $670,000 -8.8% 0.3%
    International Bank of Commerce $480,000 $655,000 36.5% 0.3%
    CHEVRON $645,000 n/a 0.3%
    A&D Mortgage LLC $610,000 n/a 0.3%
    BMO Harris Bank $605,000 n/a 0.3%
    BAY EQUITY LLC $585,000 n/a 0.3%
    Lone Star National Bank $545,000 n/a 0.3%
    The Huntington National Bank $535,000 n/a 0.3%
    AAXY L.L.C. $525,000 n/a 0.3%
    S1L, Inc. $525,000 n/a 0.3%
    American Momentum Bank $515,000 n/a 0.3%
    AMPLIFY $2,345,000 $505,000 -78.5% 0.3%
    SouthStar Bank, S.S.B. $3,180,000 $500,000 -84.3% 0.3%
    GUARANTEED RATE, INC. $1,715,000 $490,000 -71.4% 0.3%
    NEXERA HOLDING LLC $805,000 $485,000 -39.8% 0.3%
    First Federal Bank $475,000 n/a 0.2%
    NBKC BANK $385,000 $475,000 23.4% 0.2%
    PlainsCapital Bank $275,000 $475,000 72.7% 0.2%
    Credit Union of Texas $105,000 $460,000 338.1% 0.2%
    FINANCE OF AMERICA REVERSE LLC $425,000 $455,000 7.1% 0.2%
    SECURITYNATIONAL MORTGAGE COMPANY $890,000 $455,000 -48.9% 0.2%
    Plains Commerce Bank $425,000 n/a 0.2%
    PLAZA HOME MORTGAGE, INC. $1,205,000 $425,000 -64.7% 0.2%
    VAN DYK MORTGAGE CORPORATION $185,000 $425,000 129.7% 0.2%
    CALCON MUTUAL MORTGAGE LLC $415,000 n/a 0.2%
    Armed Forces Bank $405,000 n/a 0.2%
    LENDINGONE, LLC $405,000 n/a 0.2%
    SeaTrust Mortgage Company $395,000 n/a 0.2%
    TIB The Independent Bankersbank $395,000 n/a 0.2%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $475,000 $375,000 -21.1% 0.2%
    EDUCATION FIRST $395,000 $375,000 -5.1% 0.2%
    Truity Federal Credit Union $355,000 n/a 0.2%
    UNIVERSITY Federal Credit Union $1,495,000 $350,000 -76.6% 0.2%
    MORTGAGE FINANCIAL SERVICES, LLC $545,000 $345,000 -36.7% 0.2%
    LONGBRIDGE FINANCIAL, LLC $315,000 n/a 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $3,280,000 $315,000 -90.4% 0.2%
    Guaranty Bank & Trust, N.A. $305,000 n/a 0.2%
    GARDNER FINANCIAL SERVICES, LTD. $295,000 n/a 0.2%
    Extraco Banks $275,000 n/a 0.1%
    LENDSURE MORTGAGE CORP. $950,000 $275,000 -71.1% 0.1%
    ACADEMY MORTGAGE CORPORATION $850,000 $265,000 -68.8% 0.1%
    OPEN MORTGAGE, LLC $265,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $205,000 $255,000 24.4% 0.1%
    AMERISAVE MORTGAGE CORPORATION $1,175,000 $245,000 -79.1% 0.1%
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION $245,000 n/a 0.1%
    Prosperity Home Mortgage, LLC $245,000 n/a 0.1%
    FineMark National Bank & Trust $225,000 n/a 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $285,000 $220,000 -22.8% 0.1%
    PILGRIM MORTGAGE LLC $275,000 $205,000 -25.5% 0.1%
    ROGUE $195,000 n/a 0.1%
    COUNTRYPLACE MORTGAGE, LTD. $465,000 $180,000 -61.3% 0.1%
    VeraBank $165,000 n/a 0.1%
    BROKER SOLUTIONS, INC. $1,135,000 $145,000 -87.2% 0.1%
    ASSOCIATED CREDIT UNION OF TEXAS $135,000 n/a 0.1%
    SOUTHWEST STAGE FUNDING, LLC $555,000 $135,000 -75.7% 0.1%
    Texas Mortgage Lending, LLC $995,000 $115,000 -88.4% 0.1%
    FirstBank Southwest $105,000 n/a 0.1%
    Jefferson Bank $105,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $1,565,000 $75,000 -95.2% 0.0%
    PNC Bank $1,195,000 $65,000 -94.6% 0.0%
    MOBILOIL $55,000 n/a 0.0%

    Fredericksburg's top lender by overall market share is Security State Bank & Trust, with 8.1% market share. In second place, with 7.0%, is QUICKEN LOANS, LLC, having originated $13,530,000 in loans. In third place, with 5.5%, is First United Bank and Trust Company, having originated $10,645,000 in loans. In fourth place, with 4.5%, is Prosperity Bank, having originated $8,705,000 in loans. In fifth place, with 3.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $7,605,000 in loans.

    Fredericksburg Housing Market Trends (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 $499,600 (-9.0%) $761,638 (-11.0%) 0.00 231
    2018-02-01 $499,700 (-9.9%) $761,461 (-11.6%) 0.00 234
    2018-03-01 $499,000 (-10.8%) $732,758 (-15.4%) 0.00 254
    2018-04-01 $499,400 (-13.0%) $751,109 (-11.8%) 0.00 260
    2018-05-01 $495,000 (-13.2%) $740,380 (-14.6%) 0.00 268
    2018-06-01 $502,000 (-12.6%) $734,462 (-7.7%) 0.00 264
    2018-07-01 $506,000 (-14.1%) $746,373 (-5.9%) 0.00 257
    2018-08-01 $531,750 (-3.3%) $767,410 (1.3%) 0.00 254
    2018-09-01 $545,000 (3.8%) $788,414 (1.9%) 0.00 253
    2018-10-01 $549,000 (0.0%) $782,365 (0.5%) 0.00 249
    2018-11-01 $534,213 (1.6%) $779,484 (2.8%) 0.00 243
    2018-12-01 $517,000 (-5.8%) $794,994 (4.8%) 0.00 238
    2019-01-01 $530,138 (6.1%) $802,674 (5.4%) 0.00 219
    2019-02-01 $525,000 (5.1%) $776,257 (1.9%) 0.00 219
    2019-03-01 $543,586 (8.9%) $798,712 (9.0%) 0.00 219
    2019-04-01 $549,850 (10.1%) $808,191 (7.6%) 0.00 223
    2019-05-01 $590,000 (19.2%) $826,468 (11.6%) 0.00 229
    2019-06-01 $550,000 (9.6%) $804,614 (9.6%) 0.00 232
    2019-07-01 $529,000 (4.6%) $769,409 (3.1%) 0.00 229
    2019-08-01 $514,155 (-3.3%) $759,142 (-1.1%) 0.00 245
    2019-09-01 $506,136 (-7.1%) $774,752 (-1.7%) 0.00 258
    2019-10-01 $513,341 (-6.5%) $787,318 (0.6%) 0.00 265
    2019-11-01 $504,750 (-5.5%) $772,815 (-0.9%) 0.00 260
    2019-12-01 $504,500 (-2.4%) $837,551 (5.4%) 0.00 244
    2020-01-01 $501,750 (-5.4%) $785,556 (-2.1%) 0.00 211
    2020-02-01 $571,750 (8.9%) $868,750 (11.9%) 0.00 210
    2020-03-01 $603,833 (11.1%) $927,079 (16.1%) 0.00 212
    2020-04-01 $598,500 (8.9%) $908,325 (12.4%) 0.00 238
    2020-05-01 $599,450 (1.6%) $902,327 (9.2%) 0.00 236
    2020-06-01 $604,925 (10.0%) $905,313 (12.5%) 0.00 231
    2020-07-01 $647,500 (22.4%) $931,729 (21.1%) 0.00 204
    2020-08-01 $649,000 (26.2%) $901,172 (18.7%) 0.00 189
    2020-09-01 $646,500 (27.7%) $889,912 (14.9%) 0.00 174
    2020-10-01 $680,000 (32.5%) $1,009,077 (28.2%) 0.00 162
    2020-11-01 $686,000 (35.9%) $1,018,324 (31.8%) 0.00 153
    2020-12-01 $733,625 (45.4%) $1,132,428 (35.2%) 0.00 128
    2021-01-01 $750,000 (49.5%) $1,151,385 (46.6%) 0.00 99
    2021-02-01 $845,875 (47.9%) $1,211,104 (39.4%) 0.00 87
    2021-03-01 $833,725 (38.1%) $1,144,779 (23.5%) 0.00 84
    2021-04-01 $905,750 (51.3%) $1,316,591 (45.0%) 0.00 64
    2021-05-01 $888,000 (48.1%) $1,282,568 (42.1%) 0.00 61
    2021-06-01 $863,000 (42.7%) $1,375,589 (52.0%) 0.00 75
    2021-07-01 $799,500 (23.5%) $1,202,409 (29.1%) 0.00 101
    2021-08-01 $787,000 (21.3%) $1,301,870 (44.5%) 0.00 100
    2021-09-01 $797,250 (23.3%) $1,326,066 (49.0%) 0.00 117
    2021-10-01 $849,500 (24.9%) $1,339,678 (32.8%) 0.00 110
    2021-11-01 $899,000 (31.1%) $1,461,234 (43.5%) 0.00 93
    2021-12-01 $918,425 (25.2%) $1,444,942 (27.6%) 0.00 90
    2022-01-01 $989,000 (31.9%) $1,518,246 (31.9%) 0.00 79
    2022-02-01 $1,068,625 (26.3%) $1,576,226 (30.2%) 0.00 71
    2022-03-01 $1,195,000 (43.3%) $1,683,610 (47.1%) 0.00 70
    2022-04-01 $1,187,500 (31.1%) $1,703,274 (29.4%) 0.00 75
    2022-05-01 $934,500 (5.2%) $1,471,508 (14.7%) 0.00 101
    2022-06-01 $881,000 (2.1%) $1,375,632 (0.0%) 0.00 130
    2022-07-01 $775,000 (-3.1%) $1,189,636 (-1.1%) 0.00 148
    2022-08-01 $754,375 (-4.2%) $1,191,125 (-8.5%) 0.00 164
    2022-09-01 $743,125 (-6.8%) $1,155,068 (-12.9%) 0.00 165
    2022-10-01 $722,250 (-15.0%) $1,146,411 (-14.4%) 0.00 178
    2022-11-01 $704,350 (-21.7%) $1,213,636 (-16.9%) 0.00 183
    2022-12-01 $698,500 (-24.0%) $1,268,821 (-12.2%) 0.00 185
    2023-01-01 $697,000 (-29.5%) $1,283,674 (-15.5%) 0.00 185
    2023-02-01 $782,500 (-26.8%) $1,309,472 (-16.9%) 0.00 197
    2023-03-01 $774,500 (-35.2%) $1,301,552 (-22.7%) 0.00 223
    2023-04-01 $799,000 (-32.7%) $1,291,638 (-24.2%) 0.00 237
    2023-05-01 $829,800 (-11.2%) $1,341,563 (-8.8%) 0.00 250
    2023-06-01 $824,775 (-6.4%) $1,355,676 (-1.5%) 0.00 258
    2023-07-01 $798,500 (3.0%) $1,350,208 (13.5%) 0.00 269
    2023-08-01 $782,000 (3.7%) $1,292,149 (8.5%) 0.00 278
    2023-09-01 $787,500 (6.0%) $1,249,058 (8.1%) 0.00 303
    2023-10-01 $799,000 (10.6%) $1,277,577 (11.4%) 0.00 303
    2023-11-01 $798,000 (13.3%) $1,248,785 (2.9%) 0.00 314
    2023-12-01 $799,000 (14.4%) $1,223,084 (-3.6%) 0.00 289
    2024-01-01 $797,000 (14.4%) $1,277,468 (-0.5%) 0.00 256
    2024-02-01 $796,000 (1.7%) $1,291,688 (-1.4%) 0.00 275
    2024-03-01 $825,000 (6.5%) $1,305,155 (0.3%) 0.00 286
    2024-04-01 $839,875 (5.1%) $1,299,884 (0.6%) 0.00 308
    2024-05-01 $829,350 (-0.1%) $1,301,391 (-3.0%) 0.00 316
    2024-06-01 $799,000 (-3.1%) $1,348,022 (-0.6%) 0.00 370
    2024-07-01 $799,850 (0.2%) $1,397,810 (3.5%) 0.00 398
    2024-08-01 $801,166 (2.5%) $1,403,705 (8.6%) 0.00 382
    2024-09-01 $839,975 (6.7%) $1,413,329 (13.2%) 0.00 378
    2024-10-01 $847,500 (6.1%) $1,475,853 (15.5%) 0.00 392
    Fredericksburg's median listing price for 2024-10-01 was $847,500, a difference of $48,500 (6.1%) versus the prior year and $7,525 versus the prior month.

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

    Fredericksburg's average listing price for 2024-10-01 was $1,475,853, a difference of $198,276 (15.5%) versus the prior year and $62,524 versus the prior month.

    For the 2024-10-01 period, Fredericksburg had 392 MLS listings, a difference of 14 listings (4%) versus the prior month and 89 listings (29%) 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 2,238 sqft
    2018-02-01 0 days 2,245 sqft
    2018-03-01 0 days 2,229 sqft
    2018-04-01 0 days 2,324 sqft
    2018-05-01 0 days 2,319 sqft
    2018-06-01 0 days 2,318 sqft
    2018-07-01 0 days 2,334 sqft
    2018-08-01 0 days 2,313 sqft
    2018-09-01 0 days 2,335 sqft
    2018-10-01 0 days 2,279 sqft
    2018-11-01 0 days 2,255 sqft
    2018-12-01 0 days 2,227 sqft
    2019-01-01 0 days 2,191 sqft
    2019-02-01 0 days 2,145 sqft
    2019-03-01 0 days 2,118 sqft
    2019-04-01 0 days 2,038 sqft
    2019-05-01 0 days 2,032 sqft
    2019-06-01 0 days 2,001 sqft
    2019-07-01 0 days 1,943 sqft
    2019-08-01 0 days 1,938 sqft
    2019-09-01 0 days 1,949 sqft
    2019-10-01 0 days 1,958 sqft
    2019-11-01 0 days 1,972 sqft
    2019-12-01 0 days 2,025 sqft
    2020-01-01 0 days 2,033 sqft
    2020-02-01 0 days 2,143 sqft
    2020-03-01 0 days 2,220 sqft
    2020-04-01 0 days 2,221 sqft
    2020-05-01 0 days 2,246 sqft
    2020-06-01 0 days 2,245 sqft
    2020-07-01 0 days 2,260 sqft
    2020-08-01 0 days 2,317 sqft
    2020-09-01 0 days 2,243 sqft
    2020-10-01 0 days 2,231 sqft
    2020-11-01 0 days 2,216 sqft
    2020-12-01 0 days 2,470 sqft
    2021-01-01 0 days 2,484 sqft
    2021-02-01 0 days 2,560 sqft
    2021-03-01 0 days 2,711 sqft
    2021-04-01 0 days 2,800 sqft
    2021-05-01 0 days 2,619 sqft
    2021-06-01 0 days 2,287 sqft
    2021-07-01 0 days 2,175 sqft
    2021-08-01 0 days 2,089 sqft
    2021-09-01 0 days 2,119 sqft
    2021-10-01 0 days 2,192 sqft
    2021-11-01 0 days 2,327 sqft
    2021-12-01 0 days 2,354 sqft
    2022-01-01 0 days 2,400 sqft
    2022-02-01 0 days 2,633 sqft
    2022-03-01 0 days 2,639 sqft
    2022-04-01 0 days 2,722 sqft
    2022-05-01 0 days 2,074 sqft
    2022-06-01 0 days 2,024 sqft
    2022-07-01 0 days 1,976 sqft
    2022-08-01 0 days 1,980 sqft
    2022-09-01 0 days 2,000 sqft
    2022-10-01 0 days 2,001 sqft
    2022-11-01 0 days 2,036 sqft
    2022-12-01 0 days 2,019 sqft
    2023-01-01 0 days 2,025 sqft
    2023-02-01 0 days 2,058 sqft
    2023-03-01 0 days 2,053 sqft
    2023-04-01 0 days 2,082 sqft
    2023-05-01 0 days 2,156 sqft
    2023-06-01 0 days 2,188 sqft
    2023-07-01 0 days 2,183 sqft
    2023-08-01 0 days 2,195 sqft
    2023-09-01 0 days 2,208 sqft
    2023-10-01 0 days 2,202 sqft
    2023-11-01 0 days 2,188 sqft
    2023-12-01 0 days 2,174 sqft
    2024-01-01 0 days 2,120 sqft
    2024-02-01 0 days 2,138 sqft
    2024-03-01 0 days 2,136 sqft
    2024-04-01 0 days 2,168 sqft
    2024-05-01 0 days 2,202 sqft
    2024-06-01 0 days 2,193 sqft
    2024-07-01 0 days 2,225 sqft
    2024-08-01 0 days 2,189 sqft
    2024-09-01 0 days 2,196 sqft
    2024-10-01 0 days 2,261 sqft
    Fredericksburg's median listing age (time on market) for 2024-10-01 was 0 days.

    Fredericksburg's median square footage for active listings during the 2024-10-01 period was 2,261 sqft. One year prior, the average listing was 2,202 sqft.

    Fredericksburg, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 270 $131,680,000 $487,704
    Refi 62 $37,310,000 $601,774
    Cash Out Refi 35 $8,975,000 $256,429
    Other 24 $9,760,000 $406,667
    Home Improvement 13 $3,435,000 $264,231
    NA 5 $1,715,000 $343,000

    Fredericksburg's most frequently cited loan purpose was Home Purchase, with 270 originations. The 2nd most popular reason was Refi, with 62 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 149 $68,095,000 $457,013
    7-8% 108 $48,910,000 $452,870
    Over 8% 64 $20,330,000 $317,656
    5-6% 61 $33,335,000 $546,475
    4-5% 4 $8,130,000 $2,032,500

    During 2023, Fredericksburg's most frequently originated rate bucket was 6-7%, with 149 originations.

    Loan Sizing (Fredericksburg, TX MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 136 $41,250,000 $303,309
    $400k-600k 102 $50,000,000 $490,196
    $100k-200k 63 $8,995,000 $142,778
    $600k-1000k 53 $38,625,000 $728,774
    $Over $1MM 30 $52,490,000 $1,749,667
    $100,000 or less 25 $1,515,000 $60,600

    Fredericksburg's loan sizing saw the bucket of loans from $200k-400k with 136 originations, totaling $41,250,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    60-80% 135 $83,665,000 $619,741
    80-100% 107 $42,125,000 $393,692
    40-60% 59 $31,195,000 $528,729
    20-40% 50 $16,190,000 $323,800
    Under 20% 32 $4,890,000 $152,813
    Over 100% 4 $1,140,000 $285,000

    Fredericksburg's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 135 originations, totaling $83,665,000 in origination value.