Fredericksburg Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Fredericksburg averaged 6.25% for the week of 2024-02-22, compared to the national average of 6.9% for the same period.

The average rate for the prior week (2024-02-15) was 6.42% and one month ago for the week of 2024-01-18, the average rate was 6.25%.

Fredericksburg's average rate one year ago was 6%.

For refis of the same type during the week of 2024-02-22, the average rate was 7.5%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-02-22 6.9%
Fredericksburg 30 Year Fixed Rate 2024-02-22 6.25%
Fredericksburg 30 Year Fixed Rate Refi 2024-02-22 7.5%
Fredericksburg 15 Year Fixed Rate 2024-02-22 6.39%
Fredericksburg 15 Year Fixed Rate Refi 2024-02-22 6.69%
Fredericksburg 30 Year FHA 2024-02-22 0%
Fredericksburg 30 Year FHA Refi 2024-02-22 0.1%
Fredericksburg 30 Year USDA 2024-02-22 -0.2%
Fredericksburg 30 Year USDA Refi 2024-02-22 0%
Fredericksburg 30 Year VA 2024-02-22 0.1%
Fredericksburg 30 Year VA Refi 2024-02-22 0.1%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
First United Bank and Trust Company 29 4.31% $6,363
QUICKEN LOANS, LLC 25 4.87% $8,085
Security State Bank & Trust 14 4.66% $6,597
JPMorgan Chase Bank 9 4.55% $5,698
UNITED WHOLESALE MORTGAGE, LLC 9 5.57% $8,485
LOANDEPOT.COM, LLC 9 4.62% $8,329
SECURITY SERVICE 8 4.02% $7,540
GUILD MORTGAGE COMPANY 6 4.58% $9,108
SWBC MORTGAGE CORPORATION 6 5.50% $5,564
Prosperity Bank 6 3.65% $7,903
Regions Bank 5 3.45% $9,377
Morgan Stanley Private Bank 4 3.66% $6,044
CARDINAL FINANCIAL 4 4.56% $13,296
AMCAP MORTGAGE, LTD. 4 5.31% $9,732
ARC HOME LLC 4 4.28% $9,038
Texas Regional Bank 4 5.29% $8,471
Network Funding, L.P. 4 3.94% $14,121
Centennial Bank 4 3.81% $5,812
Zions Bank 3 3.58% $11,478
HOME POINT FINANCIAL CORPORATION 3 4.16% $9,049
ASPIRE FINANCIAL, INC. 3 4.08% $6,138
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 5.17% $10,132
MOVEMENT MORTGAGE, LLC 3 4.83% $7,487
Farm Credit Mid-America, ACA 3 6.73% $9,570
Bank of America 3 3.50% $9,612
BETTER MORTGAGE CORPORATION 3 3.96% $4,011
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 5.08% $11,060
Sunflower Bank 3 3.91% $14,073
BROKER SOLUTIONS, INC. 3 6.21% $5,120
UBS Bank USA 3 4.33% $5,370
CALIBER HOME LOANS, INC. 3 3.93% $10,575
Wells Fargo Bank 3 5.00% $6,338
RANDOLPH-BROOKS 2 3.56% $3,155
NATIONS RELIABLE LENDING, LLC 2 4.87% $11,394
Flagstar Bank, FSB 2 4.78% $4,675
Mr. Cooper ( Nationstar Mortgage ) 2 3.06% $16,505
LOANPEOPLE, LLC 2 5.31% $12,707
FREEDOM MORTGAGE CORPORATION 2 5.31% $6,729
DHI MORTGAGE COMPANY, LTD. 2 5.31% $7,110
AMPLIFY 2 3.56% $18,268
21ST MORTGAGE CORPORATION 2 5.53% $7,410
Gateway First Bank 2 4.63% $7,695
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 4.94% $6,249
Watermark Capital, Inc. 2 3.69% $9,976
Truist 2 4.50% $6,735
Waterstone Mortgage Corporation 2 5.50% $8,587
AmeriHome Mortgage Company, LLC 2 4.31% $10,334
PENNYMAC LOAN SERVICES, LLC 2 4.62% $10,893
PHH Mortgage Corporation 2 3.75% $17,747
UNIVERSITY Federal Credit Union 2 4.81% $8,475
First Bank 2 4.63% $5,652
GUARANTEED RATE, INC. 2 3.69% $6,534
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.44% $15,154
CMG MORTGAGE, INC. 2 5.06% $11,652
NAVY FEDERAL CREDIT UNION 2 4.50% $5,112
USAA Federal Savings Bank 1 5.38% $5,182
VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.13% $4,438
VAN DYK MORTGAGE CORPORATION 1 5.50% $6,776
T2 FINANCIAL LLC 1 5.88% $11,504
ACADEMY MORTGAGE CORPORATION 1 4.13% $6,476
Access Community Credit Union 1 3.38% $8,502
ADVANCIAL 1 8.88% $3,000
A+ Federal Credit Union 1 3.13% $5,574
Amerifirst Financial, Inc. 1 4.38% $5,259
AMERISAVE MORTGAGE CORPORATION 1 3.99% $10,307
ANGEL OAK HOME LOANS LLC 1 5.13% $24,977
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.00% $12,219
Austin Capital Bank SSB 1 4.99% $13,498
AUSTIN TELCO Federal Credit Union 1 5.50% $18,045
BancorpSouth 1 3.38% $8,180
CANOPY MORTGAGE, LLC 1 3.50% $20,812
CERTAINTY HOME LOANS, LLC 1 6.38% $9,806
CHURCHILL MORTGAGE CORPORATION 1 3.50% $7,828
Citadel Servicing Corporation 1 5.00% $11,305
Citibank 1 3.00% $10,425
Colonial Savings, F.A. 1 3.00% $4,181
Commercial Bank of Texas 1 4.99% $9,634
COMPASS MORTGAGE, INC. 1 4.25% $13,884
CORNERSTONE HOME LENDING, INC. 1 5.88% $9,091
CROSSCOUNTRY MORTGAGE, LLC 1 3.38% $5,927
DELMAR FINANCIAL COMPANY 1 3.13% $6,370
DIRECTIONS EQUITY, LLC 1 4.38% $5,478
DRAPER AND KRAMER MORTGAGE CORP. 1 3.99% $5,742
EDUCATION FIRST 1 4.88% $8,119
Encompass Lending Group, LP 1 5.63% $8,655
ENVOY MORTGAGE, LTD 1 5.88% $15,740
EVERETT FINANCIAL, INC. 1 6.00% $2,737
FINANCE OF AMERICA MORTGAGE LLC 1 5.50% $17,217
First Home Bank 1 3.63% $6,677
First Horizon Bank 1 5.00% $12,778
First Western Trust Bank 1 3.00% $5,616
GENEVA FINANCIAL, LLC 1 4.63% $6,077
Greenbox Loans, Inc. 1 4.88% $51,315
GSF Mortgage Corporation 1 5.99% $20,445
GUARANTEED RATE AFFINITY, LLC 1 3.38% $8,448
Hometown Lenders, Inc. 1 4.38% $11,921
HOMETRUST MORTGAGE COMPANY 1 4.25% $3,797
IMPAC MORTGAGE CORP. 1 3.25% $2,381
INTERLINC MORTGAGE SERVICES, LLC 1 2.88% $14,383
JMAC LENDING, INC. 1 6.50% $26,648
LEADERONE FINANCIAL CORPORATION 1 5.63% $10,846
MORTGAGE FINANCIAL SERVICES, LLC 1 3.13% $8,335
NBKC BANK 1 2.88% $9,782
NexBank 1 6.25% $6,539
NEXERA HOLDING LLC 1 9.25% $19,773
Northpointe Bank 1 6.38% $8,974
PILGRIM MORTGAGE LLC 1 7.63% $8,254
PLAZA HOME MORTGAGE, INC. 1 5.13% $10,120
PNC Bank 1 3.13% $5,329
ROYAL UNITED MORTGAGE LLC 1 6.50% $11,343
SENTE MORTGAGE, INC. 1 3.75% $10,723
Texas Mortgage Lending, LLC 1 3.88% $9,061
TRIAD FINANCIAL SERVICES, INC. 1 4.50% $9,056

Fredericksburg Average Closing Costs & Other Stats

Fredericksburg, TX's 113 lenders originated 651 loans during 2022. The total origination value was $328,775,000, with an average loan value of $505,031.

Fredericksburg's average closing costs are $6,756.

The top Fredericksburg lender as defined by loan originations is First United Bank and Trust Company, with 29 loans originated. Their average total fees are $6,363, which is $1,722 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 ($6,363), Security State Bank & Trust ($6,597), QUICKEN LOANS, LLC ($8,085), .

The lowest rate Fredericksburg lenders (with over 10 loans originated) are First United Bank and Trust Company (4.31%), Security State Bank & Trust (4.66%), QUICKEN LOANS, LLC (4.87%), .

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
First United Bank and Trust Company $36,885,000 $40,755,000 10.5% 12.4%
Security State Bank & Trust $30,730,000 $25,160,000 -18.1% 7.7%
Prosperity Bank $8,250,000 $13,025,000 57.9% 4.0%
QUICKEN LOANS, LLC $20,770,000 $11,235,000 -45.9% 3.4%
JPMorgan Chase Bank $18,110,000 $6,855,000 -62.1% 2.1%
Simmons Bank $6,605,000 n/a 2.0%
Zions Bancorporation, N.A. $1,225,000 $5,740,000 368.6% 1.7%
Bank of America $5,030,000 $4,955,000 -1.5% 1.5%
SECURITY SERVICE $640,000 $4,810,000 651.6% 1.5%
Texas Regional Bank $4,305,000 $4,660,000 8.2% 1.4%
Broadway National Bank $1,560,000 $4,375,000 180.4% 1.3%
Centennial Bank $4,290,000 n/a 1.3%
Regions Bank $1,660,000 $4,255,000 156.3% 1.3%
Independent Bank $2,320,000 $4,055,000 74.8% 1.2%
21ST MORTGAGE CORPORATION $2,270,000 $4,025,000 77.3% 1.2%
Morgan Stanley Private Bank $605,000 $4,020,000 564.5% 1.2%
LOANDEPOT.COM, LLC $7,320,000 $3,980,000 -45.6% 1.2%
RANDOLPH-BROOKS $3,620,000 $3,695,000 2.1% 1.1%
UNITED WHOLESALE MORTGAGE, LLC $7,670,000 $3,555,000 -53.7% 1.1%
AMCAP MORTGAGE, LTD. $4,400,000 $3,415,000 -22.4% 1.0%
GUILD MORTGAGE COMPANY $6,020,000 $3,335,000 -44.6% 1.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $3,555,000 $3,280,000 -7.7% 1.0%
CMG MORTGAGE, INC. $1,640,000 $3,180,000 93.9% 1.0%
SouthStar Bank, S.S.B. $2,365,000 $3,180,000 34.5% 1.0%
UBS Bank USA $2,450,000 $2,585,000 5.5% 0.8%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,070,000 $2,540,000 22.7% 0.8%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,860,000 $2,485,000 -13.1% 0.8%
Greenbox Loans, Inc. $2,525,000 $2,455,000 -2.8% 0.7%
AMPLIFY $2,330,000 $2,345,000 0.6% 0.7%
First Financial Bank $2,225,000 $2,255,000 1.3% 0.7%
BancorpSouth Bank $2,555,000 $2,245,000 -12.1% 0.7%
Network Funding, L.P. $3,250,000 $2,170,000 -33.2% 0.7%
Allegiance Bank $2,130,000 n/a 0.6%
Sunflower Bank $275,000 $2,095,000 661.8% 0.6%
SWBC MORTGAGE CORPORATION $4,265,000 $2,040,000 -52.2% 0.6%
BOKF $1,190,000 $2,005,000 68.5% 0.6%
First Horizon Bank $2,005,000 $1,995,000 -0.5% 0.6%
FirstCapital Bank of Texas $1,155,000 $1,990,000 72.3% 0.6%
JMAC LENDING, INC. $1,985,000 n/a 0.6%
PENNYMAC LOAN SERVICES, LLC $1,480,000 $1,985,000 34.1% 0.6%
First Bank & Trust $1,860,000 n/a 0.6%
ARC HOME LLC $2,150,000 $1,815,000 -15.6% 0.6%
PHH Mortgage Corporation $165,000 $1,760,000 966.7% 0.5%
GUARANTEED RATE, INC. $5,065,000 $1,715,000 -66.1% 0.5%
Waterstone Mortgage Corporation $1,190,000 $1,625,000 36.6% 0.5%
Colonial Savings, F.A. $600,000 $1,615,000 169.2% 0.5%
MOVEMENT MORTGAGE, LLC $3,120,000 $1,565,000 -49.8% 0.5%
Truist $665,000 $1,535,000 130.8% 0.5%
Mortgage Research Center, LLC $2,345,000 $1,530,000 -34.8% 0.5%
Lamar National Bank $1,505,000 n/a 0.5%
UNIVERSITY Federal Credit Union $1,955,000 $1,495,000 -23.5% 0.5%
Wells Fargo Bank $5,795,000 $1,460,000 -74.8% 0.4%
Flagstar Bank, FSB $3,665,000 $1,450,000 -60.4% 0.4%
ANGEL OAK HOME LOANS LLC $3,070,000 $1,445,000 -52.9% 0.4%
COMPASS MORTGAGE, INC. $1,445,000 n/a 0.4%
INTERLINC MORTGAGE SERVICES, LLC $1,345,000 $1,405,000 4.5% 0.4%
Citibank $1,385,000 n/a 0.4%
The Bank & Trust $1,350,000 n/a 0.4%
Citadel Servicing Corporation $1,310,000 n/a 0.4%
HOME POINT FINANCIAL CORPORATION $2,965,000 $1,305,000 -56.0% 0.4%
Watermark Capital, Inc. $1,290,000 n/a 0.4%
AMERICAN PACIFIC MORTGAGE CORPORATION $325,000 $1,285,000 295.4% 0.4%
PLANET HOME LENDING, LLC $445,000 $1,275,000 186.5% 0.4%
FINANCE OF AMERICA MORTGAGE LLC $1,595,000 $1,250,000 -21.6% 0.4%
BETTER MORTGAGE CORPORATION $2,890,000 $1,225,000 -57.6% 0.4%
PLAZA HOME MORTGAGE, INC. $1,575,000 $1,205,000 -23.5% 0.4%
Third Coast Bank SSB $1,205,000 n/a 0.4%
Origin Bank $1,195,000 n/a 0.4%
PNC Bank $405,000 $1,195,000 195.1% 0.4%
The First National Bank of Sonora $1,365,000 $1,195,000 -12.5% 0.4%
CALIBER HOME LOANS, INC. $3,840,000 $1,185,000 -69.1% 0.4%
AMERISAVE MORTGAGE CORPORATION $2,400,000 $1,175,000 -51.0% 0.4%
NATIONS RELIABLE LENDING, LLC $720,000 $1,150,000 59.7% 0.3%
BROKER SOLUTIONS, INC. $895,000 $1,135,000 26.8% 0.3%
TRIAD FINANCIAL SERVICES, INC. $230,000 $1,055,000 358.7% 0.3%
AmeriHome Mortgage Company, LLC $365,000 $1,050,000 187.7% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $1,030,000 n/a 0.3%
LOANPEOPLE, LLC $1,220,000 $1,020,000 -16.4% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $880,000 $1,015,000 15.3% 0.3%
Texas Mortgage Lending, LLC $445,000 $995,000 123.6% 0.3%
ASPIRE FINANCIAL, INC. $460,000 $960,000 108.7% 0.3%
LENDSURE MORTGAGE CORP. $265,000 $950,000 258.5% 0.3%
Farm Credit Mid-America, ACA $730,000 $945,000 29.5% 0.3%
First Bank $1,145,000 $945,000 -17.5% 0.3%
Frost Bank $675,000 $940,000 39.3% 0.3%
CANOPY MORTGAGE, LLC $2,255,000 $930,000 -58.8% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $540,000 $920,000 70.4% 0.3%
USAA Federal Savings Bank $385,000 $920,000 139.0% 0.3%
The Bank of San Antonio $7,210,000 $910,000 -87.4% 0.3%
AUSTIN TELCO Federal Credit Union $905,000 n/a 0.3%
SECURITYNATIONAL MORTGAGE COMPANY $1,550,000 $890,000 -42.6% 0.3%
ACADEMY MORTGAGE CORPORATION $545,000 $850,000 56.0% 0.3%
DHI MORTGAGE COMPANY, LTD. $850,000 $850,000 0.0% 0.3%
CREDIT HUMAN FEDERAL CREDIT UNION $485,000 $820,000 69.1% 0.2%
NEXERA HOLDING LLC $805,000 n/a 0.2%
GUARANTEED RATE AFFINITY, LLC $175,000 $795,000 354.3% 0.2%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $675,000 $760,000 12.6% 0.2%
NAVY FEDERAL CREDIT UNION $1,755,000 $735,000 -58.1% 0.2%
V.I.P. MORTGAGE, INC. $300,000 $735,000 145.0% 0.2%
ADVANCIAL $705,000 n/a 0.2%
GENEVA FINANCIAL, LLC $690,000 n/a 0.2%
ENVOY MORTGAGE, LTD $685,000 n/a 0.2%
Amerifirst Financial, Inc. $680,000 n/a 0.2%
NEWREZ LLC $335,000 $670,000 100.0% 0.2%
Austin Capital Bank SSB $660,000 n/a 0.2%
BM Real Estate Services, Inc. $1,760,000 $620,000 -64.8% 0.2%
FREEDOM MORTGAGE CORPORATION $2,825,000 $610,000 -78.4% 0.2%
T2 FINANCIAL LLC $530,000 $610,000 15.1% 0.2%
GSF Mortgage Corporation $595,000 n/a 0.2%
AMERICAN ADVISORS GROUP $590,000 n/a 0.2%
Gateway First Bank $1,340,000 $590,000 -56.0% 0.2%
Axos Bank $565,000 n/a 0.2%
SOUTHWEST STAGE FUNDING, LLC $270,000 $555,000 105.6% 0.2%
MORTGAGE FINANCIAL SERVICES, LLC $1,095,000 $545,000 -50.2% 0.2%
LEADERONE FINANCIAL CORPORATION $535,000 n/a 0.2%
HOUSTON POLICE FEDERAL CREDIT UNION $525,000 n/a 0.2%
Access Community Credit Union $515,000 n/a 0.2%
1ST COMMUNITY FEDERAL CREDIT UNION $505,000 n/a 0.2%
First Western Trust Bank $505,000 n/a 0.2%
Northpointe Bank $505,000 n/a 0.2%
WILLOW BEND MORTGAGE COMPANY, LLC $505,000 n/a 0.2%
Affiliated Bank $485,000 n/a 0.1%
International Bank of Commerce $240,000 $480,000 100.0% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $750,000 $475,000 -36.7% 0.1%
COUNTRYPLACE MORTGAGE, LTD. $365,000 $465,000 27.4% 0.1%
First Commercial Bank $115,000 $465,000 304.3% 0.1%
SENTE MORTGAGE, INC. $925,000 $465,000 -49.7% 0.1%
Texas Bank $455,000 n/a 0.1%
Encompass Lending Group, LP $435,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $390,000 $425,000 9.0% 0.1%
Luxury Mortgage Corp. $425,000 n/a 0.1%
LENDINGHOME FUNDING CORPORATION $405,000 n/a 0.1%
EDUCATION FIRST $395,000 n/a 0.1%
CHURCHILL MORTGAGE CORPORATION $800,000 $385,000 -51.9% 0.1%
General Mortgage Capital Corporation $385,000 n/a 0.1%
NBKC BANK $385,000 n/a 0.1%
CORNERSTONE HOME LENDING, INC. $1,750,000 $375,000 -78.6% 0.1%
CHERRY CREEK MORTGAGE, LLC $515,000 $365,000 -29.1% 0.1%
DEEPHAVEN MORTGAGE LLC $365,000 n/a 0.1%
Lend Smart Mortgage, LLC $355,000 n/a 0.1%
Hometown Equity Mortgage, LLC $345,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $740,000 $325,000 -56.1% 0.1%
Commercial Bank of Texas $765,000 $325,000 -57.5% 0.1%
DELMAR FINANCIAL COMPANY $325,000 n/a 0.1%
First Home Bank $355,000 $325,000 -8.5% 0.1%
Hometown Lenders, Inc. $245,000 $325,000 32.7% 0.1%
Acre Mortgage and Financial Inc $315,000 n/a 0.1%
HOMETRUST MORTGAGE COMPANY $315,000 n/a 0.1%
Texas Security Bank $315,000 n/a 0.1%
American Airlines Federal Credit Union $745,000 $295,000 -60.4% 0.1%
DRAPER AND KRAMER MORTGAGE CORP. $295,000 n/a 0.1%
R Bank $1,650,000 $295,000 -82.1% 0.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $75,000 $285,000 280.0% 0.1%
CIVIC FINANCIAL SERVICES, LLC $590,000 $275,000 -53.4% 0.1%
PILGRIM MORTGAGE LLC $1,070,000 $275,000 -74.3% 0.1%
PlainsCapital Bank $2,025,000 $275,000 -86.4% 0.1%
A+ Federal Credit Union $265,000 n/a 0.1%
Comerica Bank $375,000 $265,000 -29.3% 0.1%
NexBank $375,000 $265,000 -29.3% 0.1%
DIRECTIONS EQUITY, LLC $670,000 $245,000 -63.4% 0.1%
SPRING EQ, LLC $245,000 n/a 0.1%
EVERETT FINANCIAL, INC. $225,000 $235,000 4.4% 0.1%
Lakeview Community Capital, LLC $215,000 n/a 0.1%
FIRSTMARK $245,000 $210,000 -14.3% 0.1%
AMERICAN FINANCING CORPORATION $570,000 $205,000 -64.0% 0.1%
CERTAINTY HOME LOANS, LLC $385,000 $185,000 -51.9% 0.1%
VAN DYK MORTGAGE CORPORATION $305,000 $185,000 -39.3% 0.1%
ROYAL UNITED MORTGAGE LLC $145,000 $175,000 20.7% 0.1%
EECU $155,000 n/a 0.0%
IMPAC MORTGAGE CORP. $285,000 $145,000 -49.1% 0.0%
U.S. Bank $3,690,000 $145,000 -96.1% 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. $1,030,000 $135,000 -86.9% 0.0%
Credit Union of Texas $105,000 n/a 0.0%
TEXAS DOW EMPLOYEES CREDIT UNION $105,000 n/a 0.0%
Carrington Mortgage Services, LLC $75,000 n/a 0.0%

Fredericksburg's top lender by overall market share is First United Bank and Trust Company, with 12.4% market share. In second place, with 7.7%, is Security State Bank & Trust, having originated $25,160,000 in loans. In third place, with 4.0%, is Prosperity Bank, having originated $13,025,000 in loans. In fourth place, with 3.4%, is QUICKEN LOANS, LLC, having originated $11,235,000 in loans. In fifth place, with 2.1%, is JPMorgan Chase Bank, having originated $6,855,000 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
Fredericksburg's median listing price for 2023-12-01 was $799,000, a difference of $100,500 (14.4%) versus the prior year and $1,000 versus the prior month.

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

Fredericksburg's average listing price for 2023-12-01 was $1,223,084, a difference of $-45,737 (-3.6%) versus the prior year and $-25,701 versus the prior month.

For the 2023-12-01 period, Fredericksburg had 289 MLS listings, a difference of -25 listings (-8%) versus the prior month and 104 listings (56%) 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
Fredericksburg's median listing age (time on market) for 2023-12-01 was 0 days.

Fredericksburg's median square footage for active listings during the 2023-12-01 period was 2,174 sqft. One year prior, the average listing was 2,019 sqft.

Fredericksburg, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 397 $220,845,000 $556,285
Refi 98 $38,950,000 $397,449
Cash Out Refi 97 $36,615,000 $377,474
Home Improvement 27 $5,885,000 $217,963
Other 22 $21,800,000 $990,909
NA 10 $4,680,000 $468,000

Fredericksburg's most frequently cited loan purpose was Home Purchase, with 397 originations. The 2nd most popular reason was Refi, with 98 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 158 $86,090,000 $544,873
4-5% 139 $71,075,000 $511,331
5-6% 132 $76,210,000 $577,348
6-7% 66 $29,900,000 $453,030
2.5-3% 50 $25,910,000 $518,200
Over 8% 33 $7,215,000 $218,636
7-8% 25 $7,805,000 $312,200
<2.5% 16 $7,350,000 $459,375

During 2022, Fredericksburg's most frequently originated rate bucket was 3-4%, with 158 originations.

Loan Sizing (Fredericksburg, TX MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 230 $67,830,000 $294,913
$400k-600k 141 $69,185,000 $490,674
$100k-200k 101 $15,435,000 $152,822
$600k-1000k 92 $69,520,000 $755,652
$Over $1MM 56 $104,920,000 $1,873,571
$100,000 or less 31 $1,885,000 $60,806

Fredericksburg's loan sizing saw the bucket of loans from $200k-400k with 230 originations, totaling $67,830,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
60-80% 217 $132,785,000 $611,912
80-100% 168 $84,170,000 $501,012
40-60% 108 $44,930,000 $416,019
20-40% 79 $24,665,000 $312,215
Under 20% 41 $5,555,000 $135,488
Over 100% 4 $1,390,000 $347,500

Fredericksburg's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 217 originations, totaling $132,785,000 in origination value.