Fredericksburg Mortgage Rates

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

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%
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 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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
First United Bank and Trust Company 62 3.26% $5,215
QUICKEN LOANS, LLC 48 3.05% $6,619
JPMorgan Chase Bank 22 2.97% $5,904
GUILD MORTGAGE COMPANY 15 3.06% $8,076
LOANDEPOT.COM, LLC 14 3.18% $6,579
UNITED WHOLESALE MORTGAGE, LLC 13 2.96% $5,436
Flagstar Bank, FSB 10 3.22% $5,992
GUARANTEED RATE, INC. 9 3.28% $6,510
SWBC MORTGAGE CORPORATION 8 3.38% $5,466
Wells Fargo Bank 8 2.94% $4,775
BETTER MORTGAGE CORPORATION 7 3.11% $4,173
Network Funding, L.P. 7 3.23% $6,054
CALIBER HOME LOANS, INC. 7 3.04% $5,856
Bank of America 7 2.77% $5,761
HOME POINT FINANCIAL CORPORATION 6 2.87% $5,284
U.S. Bank 6 2.81% $7,987
AMCAP MORTGAGE, LTD. 6 3.18% $7,189
AMERISAVE MORTGAGE CORPORATION 6 2.90% $4,608
UNIVERSITY Federal Credit Union 5 3.10% $6,097
Happy State Bank 5 3.15% $6,399
MOVEMENT MORTGAGE, LLC 5 3.02% $7,101
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 3.07% $5,774
LOANPEOPLE, LLC 4 3.13% $5,636
RANDOLPH-BROOKS 4 3.15% $4,511
BBVA USA 4 3.34% $10,976
THRIVE MORTGAGE, LLC 4 3.34% $7,883
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 3.09% $9,036
PENNYMAC LOAN SERVICES, LLC 4 3.14% $6,076
Citizens Bank 4 2.94% $6,600
NAVY FEDERAL CREDIT UNION 4 3.09% $5,317
MUTUAL OF OMAHA MORTGAGE, INC. 4 2.87% $5,829
The Home Loan Expert LLC 3 3.16% $5,614
SENTE MORTGAGE, INC. 3 3.21% $5,412
CMG MORTGAGE, INC. 3 3.16% $9,301
INTERLINC MORTGAGE SERVICES, LLC 3 3.46% $8,655
AMPLIFY 3 3.25% $8,043
BancorpSouth Bank 3 3.21% $13,506
SECURITYNATIONAL MORTGAGE COMPANY 3 3.33% $7,439
Gateway First Bank 3 3.00% $5,408
CORNERSTONE HOME LENDING, INC. 3 2.80% $7,595
MORTGAGE FINANCIAL SERVICES, LLC 3 3.00% $7,784
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 3.12% $3,995
City Bank 2 2.88% $6,307
Ally Bank 2 3.69% $9,310
ANGEL OAK HOME LOANS LLC 2 3.25% $10,865
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 3.87% $9,667
ASPIRE FINANCIAL, INC. 2 3.06% $5,067
BROKER SOLUTIONS, INC. 2 2.88% $5,365
CANOPY MORTGAGE, LLC 2 3.13% $6,037
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 2 2.88% $5,453
CHURCHILL MORTGAGE CORPORATION 2 2.87% $8,845
DIRECTIONS EQUITY, LLC 2 2.88% $5,637
FINANCE OF AMERICA MORTGAGE LLC 2 2.88% $7,911
First Bank 2 3.06% $9,905
First Financial Bank 2 3.25% $6,476
FREEDOM MORTGAGE CORPORATION 2 3.25% $5,939
HOMESIDE FINANCIAL, LLC 2 3.31% $4,623
Independent Bank 2 3.19% $4,616
NATIONS RELIABLE LENDING, LLC 2 3.43% $7,186
OPEN MORTGAGE, LLC 2 3.63% $6,669
PILGRIM MORTGAGE LLC 2 2.88% $10,875
PLAZA HOME MORTGAGE, INC. 2 3.38% $10,821
Prosperity Bank 2 2.63% $5,218
Regions Bank 2 3.00% $19,053
SECURITY SERVICE 2 3.25% $2,576
UBS Bank USA 2 2.69% $11,195
Waterstone Mortgage Corporation 2 3.19% $10,584
AgFirst Farm Credit Bank 1 3.13% $7,735
InterContinental Capital Group, Inc 1 2.63% $4,310
First Horizon Bank 1 3.25% $21,320
Inwood National Bank 1 2.75% $3,360
Jefferson Bank 1 2.88% $13,312
First Home Bank 1 2.63% $6,523
FIRST CENTENNIAL MORTGAGE CORPORATION 1 3.00% $7,490
Farm Credit Mid-America, ACA 1 3.45% $11,719
Morgan Stanley Private Bank 1 2.45% $7,359
MORIA DEVELOPMENT, INC. 1 3.00% $8,207
DHI MORTGAGE COMPANY, LTD. 1 3.50% $6,449
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 2.75% $7,604
Community First National Bank 1 3.50% $6,801
Mr. Cooper ( Nationstar Mortgage ) 1 2.88% $8,402
Commerce Bank 1 2.88% $10,885
UMB Bank 1 3.25% $4,795
Colonial Savings, F.A. 1 3.00% $6,712
ACADEMY MORTGAGE CORPORATION 1 3.25% $12,853
NexBank 1 3.63% $8,984
North American Savings Bank, F.S.B. 1 2.63% $8,972
NORTHROP GRUMMAN Federal Credit Union 1 3.00% $2,813
UNION HOME MORTGAGE CORP. 1 2.88% $5,697
Paramount Bank 1 3.63% $4,296
Paramount Residential Mortgage Group, Inc. 1 2.99% $5,552
Chicago Mortgage Solutions LLC 1 2.99% $4,769
PENTAGON FEDERAL CREDIT UNION 1 2.63% $4,270
UNITED MORTGAGE CORP. 1 3.25% $5,875
Pioneer Bank, SSB 1 3.00% $6,151
PLANET HOME LENDING, LLC 1 2.88% $5,818
AMERICAN FINANCIAL RESOURCES, INC. 1 2.75% $3,726
PNC Bank 1 2.38% $6,137
CERTAINTY HOME LOANS, LLC 1 3.25% $5,526
AMERICAN FINANCIAL NETWORK, INC. 1 3.38% $19,784
BOKF 1 2.63% $5,337
AXIA FINANCIAL, LLC 1 3.13% $5,334
RANLIFE, INC. 1 3.63% $7,342
R Bank 1 2.75% $5,691
Amarillo National Bank 1 3.13% $5,170
ROYAL UNITED MORTGAGE LLC 1 3.13% $9,364
ASSOCIATED MORTGAGE CORPORATION 1 3.13% $7,328
Zions Bancorporation, N.A. 1 2.88% $5,656
ANGEL OAK MORTGAGE SOLUTIONS LLC 1 6.38% $21,406
Stifel Bank and Trust 1 2.75% $7,348
Strong Home Mortgage, LLC 1 2.88% $5,042
Sunflower Bank 1 2.63% $4,644
AmeriHome Mortgage Company, LLC 1 2.99% $5,375
T2 FINANCIAL LLC 1 3.25% $2,851
TEXANS 1 2.75% $4,212
Texas Mortgage Lending, LLC 1 3.00% $3,439
TEXELL Credit Union 1 2.88% $4,749
The Central Trust Bank 1 2.63% $6,141
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.25% $9,779
AMERICAN FINANCING CORPORATION 1 2.88% $4,722
THRIVENT Federal Credit Union 1 3.38% $5,538
Town Square Mortgage & Investments, Inc. 1 3.88% $4,970
GUARANTY HOME MORTGAGE CORPORATION 1 2.88% $7,715
Greenbox Loans, Inc. 1 4.25% $54,080
GREAT WESTERN FINANCIAL SERVICES, INC. 1 2.75% $4,253
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.13% $5,557
HOME FINANCING UNLIMITED, INC. 1 3.50% $3,709
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 3.50% $10,604
First Republic Bank 1 2.75% $5,100
Truist Bank 1 2.98% $7,327
Hometown Lenders, Inc. 1 2.88% $4,123
HOMEWAY MORTGAGE LLC 1 4.50% $7,142
IMPAC MORTGAGE CORP. 1 3.88% $8,352

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 for 2022-06-01 was $855,000, a difference of $-40,000 (-4.5%) versus the prior year and $-69,000 versus the prior month.

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 listing age (time on market) for 2022-06-01 was 0 days.

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.