Fredericksburg Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Fredericksburg averaged 6.71% for the week of 2025-07-10, compared to the national average of 6.72% for the same period.

    The average rate for the prior week (2025-07-03) was 6.66% and one month ago for the week of 2025-06-05, the average rate was 6.54%.

    Fredericksburg's average rate one year ago was 6.64%.

    For refis of the same type during the week of 2025-07-10, the average rate was 7.12%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-07-10 6.72%
    Fredericksburg 30 Year Fixed Rate 2025-07-10 6.71%
    Fredericksburg 30 Year Fixed Rate Refi 2025-07-10 7.12%
    Fredericksburg 15 Year Fixed Rate 2025-07-10 5.66%
    Fredericksburg 15 Year Fixed Rate Refi 2025-07-10 5.96%
    Fredericksburg 30 Year FHA 2025-07-10 4.83%
    Fredericksburg 30 Year FHA Refi 2025-07-10 6.32%
    Fredericksburg 30 Year USDA 2025-07-10 6.65%
    Fredericksburg 30 Year USDA Refi 2025-07-10 6.35%
    Fredericksburg 30 Year VA 2025-07-10 6.57%
    Fredericksburg 30 Year VA Refi 2025-07-10 6.17%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 39 6.70% $13,770
    DHI MORTGAGE COMPANY, LTD. 21 5.64% $5,115
    EAGLE HOME MORTGAGE, LLC 16 5.18% $4,996
    First United Bank and Trust Company 13 6.96% $6,778
    Security State Bank & Trust 12 6.92% $9,453
    UNITED WHOLESALE MORTGAGE, LLC 8 7.07% $11,094
    JPMorgan Chase Bank 7 7.05% $5,587
    Farm Credit Mid-America, ACA 7 6.95% $13,614
    GARDNER FINANCIAL SERVICES, LTD. 5 7.05% $14,296
    Morgan Stanley Private Bank 4 6.21% $6,329
    CMG MORTGAGE, INC. 3 7.04% $14,708
    V.I.P. MORTGAGE, INC. 3 7.46% $10,498
    Paramount Residential Mortgage Group, Inc. 3 7.29% $10,674
    Centennial Bank 2 6.88% $5,211
    AmeriHome Mortgage Company, LLC 2 5.93% $6,628
    BancorpSouth 2 6.56% $13,730
    FIRSTMARK 2 6.31% $4,807
    Flagstar Bank, FSB 2 6.19% $15,193
    GUILD MORTGAGE COMPANY 2 7.25% $5,547
    Jefferson Bank 2 6.88% $9,375
    MLD MORTGAGE INC. 2 6.81% $5,178
    MOVEMENT MORTGAGE, LLC 2 7.21% $9,891
    NEWREZ LLC 2 6.69% $20,426
    NexBank 2 6.56% $11,006
    OAKTREE FUNDING CORP. 2 8.94% $13,828
    PENNYMAC LOAN SERVICES, LLC 2 7.06% $4,580
    RANDOLPH-BROOKS 2 6.06% $4,836
    SENTE MORTGAGE, INC. 2 6.38% $14,110
    SWBC MORTGAGE CORPORATION 2 6.81% $18,908
    Wells Fargo Bank 2 6.63% $8,941
    Zions Bank 2 7.38% $20,481
    HOMESIDE FINANCIAL, LLC 1 7.00% $4,066
    Hometown Equity Mortgage, LLC 1 7.50% $12,901
    Independent Bank 1 6.13% $6,039
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.88% $13,858
    21ST MORTGAGE CORPORATION 1 8.31% $6,980
    LOANDEPOT.COM, LLC 1 6.63% $7,379
    LOANPEOPLE, LLC 1 7.38% $9,320
    MICHIGAN MUTUAL, INC. 1 6.99% $13,550
    AAXY L.L.C. 1 6.50% $4,290
    BM Real Estate Services, Inc. 1 7.13% $13,230
    MORTGAGE FINANCIAL SERVICES, LLC 1 6.62% $5,892
    ZILLOW HOME LOANS, LLC 1 6.63% $7,224
    NATIONS RELIABLE LENDING, LLC 1 6.13% $10,817
    NAVY FEDERAL CREDIT UNION 1 5.25% $2,887
    The Federal Savings Bank 1 6.63% $10,863
    The Huntington National Bank 1 7.75% $21,853
    NEXERA HOLDING LLC 1 8.00% $16,970
    Northpointe Bank 1 7.50% $7,243
    The Loan Store, Inc. 1 7.38% $13,935
    OCMBC, INC. 1 8.13% $16,599
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.63% $3,603
    UNION HOME MORTGAGE CORP. 1 5.99% $17,709
    PLANET HOME LENDING, LLC 1 6.99% $8,804
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.63% $10,630
    AMERISAVE MORTGAGE CORPORATION 1 7.88% $6,528
    American National Bank & Trust 1 7.50% $6,814
    Raymond James Bank 1 6.38% $2,188
    Regions Bank 1 6.88% $14,973
    DEEPHAVEN MORTGAGE LLC 1 7.25% $34,280
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.99% $12,083
    CROSSCOUNTRY MORTGAGE, LLC 1 7.49% $8,270
    First Financial Bank 1 6.50% $12,166
    RELIANCE FIRST CAPITAL, LLC 1 6.75% $17,802
    Charles Schwab Bank, SSB 1 5.38% $3,312
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.88% $9,047
    FREEDOM MORTGAGE CORPORATION 1 6.88% $7,663
    Century Mortgage Company DBA Century Lending Company 1 7.00% $0
    Gateway First Bank 1 7.63% $16,092
    GUARANTEED RATE, INC. 1 6.60% $11,045
    SECURITY SERVICE 1 6.63% $6,933
    HALLMARK HOME MORTGAGE, LLC 1 6.99% $6,720
    Hamilton Mortgage Corporation 1 7.63% $15,118
    Home Mortgage Alliance Corp 1 7.50% $10,888

    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 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 $499,500 (-9.0%) $759,870 (-11.2%) 0.00 231
    2018-02-01 $499,475 (-9.9%) $759,679 (-11.8%) 0.00 234
    2018-03-01 $499,000 (-10.8%) $732,758 (-15.4%) 0.00 255
    2018-04-01 $499,250 (-13.0%) $749,585 (-12.0%) 0.00 260
    2018-05-01 $495,000 (-13.2%) $738,762 (-14.8%) 0.00 268
    2018-06-01 $502,000 (-12.6%) $738,633 (-7.1%) 0.00 265
    2018-07-01 $505,000 (-14.3%) $744,786 (-6.1%) 0.00 257
    2018-08-01 $517,250 (-6.0%) $765,735 (1.0%) 0.00 254
    2018-09-01 $545,000 (3.8%) $788,414 (2.1%) 0.00 253
    2018-10-01 $549,000 (0.2%) $782,365 (0.7%) 0.00 249
    2018-11-01 $534,213 (1.8%) $779,484 (3.0%) 0.00 243
    2018-12-01 $517,000 (-5.8%) $794,994 (5.0%) 0.00 238
    2019-01-01 $530,138 (6.1%) $802,674 (5.6%) 0.00 219
    2019-02-01 $525,000 (5.1%) $776,257 (2.2%) 0.00 219
    2019-03-01 $543,436 (8.9%) $797,595 (8.9%) 0.00 219
    2019-04-01 $549,675 (10.1%) $806,167 (7.6%) 0.00 224
    2019-05-01 $590,000 (19.2%) $824,473 (11.6%) 0.00 230
    2019-06-01 $550,000 (9.6%) $802,818 (8.7%) 0.00 233
    2019-07-01 $529,250 (4.8%) $770,269 (3.4%) 0.00 229
    2019-08-01 $517,123 (0.0%) $759,958 (-0.8%) 0.00 245
    2019-09-01 $512,807 (-5.9%) $775,382 (-1.7%) 0.00 258
    2019-10-01 $517,705 (-5.7%) $787,804 (0.7%) 0.00 265
    2019-11-01 $504,750 (-5.5%) $768,059 (-1.5%) 0.00 260
    2019-12-01 $504,500 (-2.4%) $827,787 (4.1%) 0.00 243
    2020-01-01 $501,750 (-5.4%) $774,267 (-3.5%) 0.00 210
    2020-02-01 $571,750 (8.9%) $857,867 (10.5%) 0.00 210
    2020-03-01 $601,917 (10.8%) $913,668 (14.6%) 0.00 212
    2020-04-01 $598,500 (8.9%) $906,214 (12.4%) 0.00 239
    2020-05-01 $599,450 (1.6%) $895,073 (8.6%) 0.00 237
    2020-06-01 $599,725 (9.0%) $893,551 (11.3%) 0.00 231
    2020-07-01 $646,000 (22.1%) $920,045 (19.4%) 0.00 203
    2020-08-01 $649,000 (25.5%) $889,790 (17.1%) 0.00 188
    2020-09-01 $646,500 (26.1%) $878,246 (13.3%) 0.00 173
    2020-10-01 $675,000 (30.4%) $996,236 (26.5%) 0.00 161
    2020-11-01 $686,000 (35.9%) $1,018,178 (32.6%) 0.00 153
    2020-12-01 $733,625 (45.4%) $1,132,428 (36.8%) 0.00 128
    2021-01-01 $750,000 (49.5%) $1,151,385 (48.7%) 0.00 99
    2021-02-01 $845,875 (47.9%) $1,211,104 (41.2%) 0.00 87
    2021-03-01 $833,725 (38.5%) $1,144,779 (25.3%) 0.00 84
    2021-04-01 $905,750 (51.3%) $1,316,591 (45.3%) 0.00 64
    2021-05-01 $888,000 (48.1%) $1,282,568 (43.3%) 0.00 61
    2021-06-01 $863,000 (43.9%) $1,375,589 (54.0%) 0.00 75
    2021-07-01 $795,000 (23.1%) $1,202,409 (30.7%) 0.00 101
    2021-08-01 $777,000 (19.7%) $1,289,469 (44.9%) 0.00 100
    2021-09-01 $792,000 (22.5%) $1,311,139 (49.3%) 0.00 117
    2021-10-01 $824,500 (22.2%) $1,334,584 (34.0%) 0.00 109
    2021-11-01 $897,000 (30.8%) $1,456,466 (43.1%) 0.00 92
    2021-12-01 $905,475 (23.4%) $1,439,914 (27.2%) 0.00 89
    2022-01-01 $969,000 (29.2%) $1,513,533 (31.5%) 0.00 78
    2022-02-01 $1,058,375 (25.1%) $1,571,633 (29.8%) 0.00 70
    2022-03-01 $1,147,500 (37.6%) $1,680,475 (46.8%) 0.00 69
    2022-04-01 $1,175,000 (29.7%) $1,700,719 (29.2%) 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 (-2.5%) $1,189,636 (-1.1%) 0.00 148
    2022-08-01 $754,375 (-2.9%) $1,191,125 (-7.6%) 0.00 164
    2022-09-01 $743,125 (-6.2%) $1,155,068 (-11.9%) 0.00 165
    2022-10-01 $722,250 (-12.4%) $1,146,411 (-14.1%) 0.00 178
    2022-11-01 $704,350 (-21.5%) $1,213,636 (-16.7%) 0.00 183
    2022-12-01 $698,000 (-22.9%) $1,265,001 (-12.2%) 0.00 184
    2023-01-01 $695,000 (-28.3%) $1,274,315 (-15.8%) 0.00 185
    2023-02-01 $777,500 (-26.5%) $1,306,078 (-16.9%) 0.00 196
    2023-03-01 $774,000 (-32.6%) $1,295,477 (-22.9%) 0.00 223
    2023-04-01 $799,000 (-32.0%) $1,285,910 (-24.4%) 0.00 237
    2023-05-01 $817,350 (-12.5%) $1,337,579 (-9.1%) 0.00 250
    2023-06-01 $824,700 (-6.4%) $1,353,336 (-1.6%) 0.00 257
    2023-07-01 $798,000 (3.0%) $1,347,498 (13.3%) 0.00 270
    2023-08-01 $779,000 (3.3%) $1,289,250 (8.2%) 0.00 279
    2023-09-01 $795,000 (7.0%) $1,249,058 (8.1%) 0.00 302
    2023-10-01 $800,500 (10.8%) $1,280,004 (11.7%) 0.00 302
    2023-11-01 $799,000 (13.4%) $1,251,188 (3.1%) 0.00 313
    2023-12-01 $799,000 (14.5%) $1,225,553 (-3.1%) 0.00 288
    2024-01-01 $799,000 (15.0%) $1,280,462 (0.5%) 0.00 255
    2024-02-01 $798,000 (2.6%) $1,294,648 (-0.9%) 0.00 274
    2024-03-01 $827,000 (6.9%) $1,307,979 (1.0%) 0.00 285
    2024-04-01 $840,875 (5.2%) $1,302,482 (1.3%) 0.00 307
    2024-05-01 $829,700 (1.5%) $1,295,422 (-3.2%) 0.00 315
    2024-06-01 $799,250 (-3.1%) $1,332,622 (-1.5%) 0.00 369
    2024-07-01 $799,899 (0.2%) $1,396,454 (3.6%) 0.00 398
    2024-08-01 $813,667 (4.5%) $1,403,670 (8.9%) 0.00 381
    2024-09-01 $839,950 (5.7%) $1,412,019 (13.1%) 0.00 379
    2024-10-01 $847,500 (5.9%) $1,475,853 (15.3%) 0.00 392
    2024-11-01 $845,000 (5.8%) $1,485,234 (18.7%) 0.00 395
    2024-12-01 $850,000 (6.4%) $1,495,669 (22.0%) 0.00 370
    2025-01-01 $812,225 (1.7%) $1,360,274 (6.2%) 0.00 334
    2025-02-01 $799,000 (0.1%) $1,387,130 (7.1%) 0.00 377
    2025-03-01 $825,000 (-0.2%) $1,412,170 (8.0%) 0.00 410
    2025-04-01 $821,975 (-2.3%) $1,363,275 (4.7%) 0.00 431
    2025-05-01 $832,450 (0.3%) $1,326,841 (2.4%) 0.00 465
    2025-06-01 $824,900 (3.2%) $1,295,130 (-2.8%) 0.00 472
    Fredericksburg's median listing price for 2025-06-01 was $824,900, a difference of $25,650 (3.2%) versus the prior year and $-7,550 versus the prior month.

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

    Fredericksburg's average listing price for 2025-06-01 was $1,295,130, a difference of $-37,492 (-2.8%) versus the prior year and $-31,711 versus the prior month.

    For the 2025-06-01 period, Fredericksburg had 472 MLS listings, a difference of 7 listings (2%) versus the prior month and 103 listings (28%) 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 2,258 sqft
    2018-03-01 0 days 2,229 sqft
    2018-04-01 0 days 2,326 sqft
    2018-05-01 0 days 2,329 sqft
    2018-06-01 0 days 2,325 sqft
    2018-07-01 0 days 2,337 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 2,116 sqft
    2019-04-01 0 days 2,036 sqft
    2019-05-01 0 days 2,032 sqft
    2019-06-01 0 days 2,001 sqft
    2019-07-01 0 days 1,946 sqft
    2019-08-01 0 days 1,942 sqft
    2019-09-01 0 days 1,951 sqft
    2019-10-01 0 days 1,959 sqft
    2019-11-01 0 days 1,969 sqft
    2019-12-01 0 days 2,017 sqft
    2020-01-01 0 days 2,030 sqft
    2020-02-01 0 days 2,135 sqft
    2020-03-01 0 days 2,214 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 2,256 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 2,710 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 2,082 sqft
    2021-09-01 0 days 2,081 sqft
    2021-10-01 0 days 2,187 sqft
    2021-11-01 0 days 2,327 sqft
    2021-12-01 0 days 2,354 sqft
    2022-01-01 0 days 2,399 sqft
    2022-02-01 0 days 2,612 sqft
    2022-03-01 0 days 2,610 sqft
    2022-04-01 0 days 2,668 sqft
    2022-05-01 0 days 2,052 sqft
    2022-06-01 0 days 2,018 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 2,019 sqft
    2023-02-01 0 days 2,049 sqft
    2023-03-01 0 days 2,050 sqft
    2023-04-01 0 days 2,082 sqft
    2023-05-01 0 days 2,155 sqft
    2023-06-01 0 days 2,187 sqft
    2023-07-01 0 days 2,190 sqft
    2023-08-01 0 days 2,199 sqft
    2023-09-01 0 days 2,221 sqft
    2023-10-01 0 days 2,210 sqft
    2023-11-01 0 days 2,194 sqft
    2023-12-01 0 days 2,177 sqft
    2024-01-01 0 days 2,120 sqft
    2024-02-01 0 days 2,138 sqft
    2024-03-01 0 days 2,154 sqft
    2024-04-01 0 days 2,180 sqft
    2024-05-01 0 days 2,204 sqft
    2024-06-01 0 days 2,206 sqft
    2024-07-01 0 days 2,226 sqft
    2024-08-01 0 days 2,206 sqft
    2024-09-01 0 days 2,196 sqft
    2024-10-01 0 days 2,261 sqft
    2024-11-01 0 days 2,253 sqft
    2024-12-01 0 days 2,259 sqft
    2025-01-01 0 days 2,207 sqft
    2025-02-01 0 days 2,192 sqft
    2025-03-01 0 days 2,214 sqft
    2025-04-01 0 days 2,213 sqft
    2025-05-01 0 days 2,195 sqft
    2025-06-01 0 days 2,179 sqft
    Fredericksburg's median listing age (time on market) for 2025-06-01 was 0 days.

    Fredericksburg's median square footage for active listings during the 2025-06-01 period was 2,179 sqft. One year prior, the average listing was 2,206 sqft.

    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.