Huntsville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Huntsville averaged
6.75%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.08% and
one month ago for the week of 2025-05-15, the
average rate was 6.85%.
Huntsville's average rate one year ago was 7.19%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.81%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Huntsville 30 Year Fixed Rate | 2025-06-18 | 6.75% |
| Huntsville 30 Year Fixed Rate Refi | 2025-06-18 | 6.81% |
| Huntsville 15 Year Fixed Rate | 2025-06-18 | 6.16% |
| Huntsville 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Huntsville 30 Year FHA | 2025-06-18 | -0.28% |
| Huntsville 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Huntsville 30 Year USDA | 2025-06-18 | 0% |
| Huntsville 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Huntsville 30 Year VA | 2025-06-18 | 0.21% |
| Huntsville 30 Year VA Refi | 2025-06-18 | 0% |
Huntsville 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 Huntsville, 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.).
Huntsville Average Closing Costs & Other Stats
Huntsville, TX's 74 lenders originated 682
loans during 2024. The total origination value was $195,810,000, with an average loan value of
$287,111.
Huntsville's average closing costs are $6,543.
The top Huntsville lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
25 loans originated. Their average total fees are
$7,816, which is $536
higher than the next largest lender,
HOMETRUST MORTGAGE COMPANY.
The lowest fee Huntsville lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($3,333), Flagstar Bank, FSB ($5,341), HOMETRUST MORTGAGE COMPANY ($7,280), UNITED WHOLESALE MORTGAGE, LLC ($7,816) and QUICKEN LOANS, LLC ($7,829).
The lowest rate Huntsville lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.70%), Flagstar Bank, FSB (6.56%), UNITED WHOLESALE MORTGAGE, LLC (6.63%), HOMETRUST MORTGAGE COMPANY (6.86%) and QUICKEN LOANS, LLC (6.94%).
Huntsville, 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 |
|---|---|---|---|---|
| WALKER & DUNLOP, LLC | $2,875,000 | $15,405,000 | 435.8% | 7.9% |
| UNITED WHOLESALE MORTGAGE, LLC | $16,235,000 | $12,940,000 | -20.3% | 6.6% |
| HOMETRUST MORTGAGE COMPANY | $5,930,000 | $8,870,000 | 49.6% | 4.5% |
| DHI MORTGAGE COMPANY, LTD. | $14,760,000 | $8,840,000 | -40.1% | 4.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $7,065,000 | $8,480,000 | 20.0% | 4.3% |
| QUICKEN LOANS, LLC | $7,985,000 | $8,235,000 | 3.1% | 4.2% |
| Centennial Bank | $8,085,000 | n/a | 4.1% | |
| First Financial Bank | $6,660,000 | $7,750,000 | 16.4% | 4.0% |
| BancorpSouth | $2,535,000 | $5,850,000 | 130.8% | 3.0% |
| VeraBank | $4,555,000 | $4,860,000 | 6.7% | 2.5% |
| 21ST MORTGAGE CORPORATION | $5,125,000 | $4,415,000 | -13.9% | 2.3% |
| Mortgage Research Center, LLC | $2,500,000 | $4,205,000 | 68.2% | 2.1% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $4,165,000 | n/a | 2.1% | |
| Flagstar Bank, FSB | $6,545,000 | $3,740,000 | -42.9% | 1.9% |
| Prosperity Bank | $9,960,000 | $3,145,000 | -68.4% | 1.6% |
| Zions Bank | $5,375,000 | $2,910,000 | -45.9% | 1.5% |
| CMG MORTGAGE, INC. | $1,755,000 | $2,690,000 | 53.3% | 1.4% |
| MID AMERICA MORTGAGE, INC. | $205,000 | $2,560,000 | 1,148.8% | 1.3% |
| PENNYMAC LOAN SERVICES, LLC | $750,000 | $2,440,000 | 225.3% | 1.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,490,000 | $2,320,000 | -6.8% | 1.2% |
| JPMorgan Chase Bank | $945,000 | $2,200,000 | 132.8% | 1.1% |
| Century Mortgage Company DBA Century Lending Company | $2,255,000 | $2,100,000 | -6.9% | 1.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,515,000 | $2,055,000 | 35.6% | 1.0% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $490,000 | $1,960,000 | 300.0% | 1.0% |
| INSPIRE HOME LOANS INC. | $6,900,000 | $1,945,000 | -71.8% | 1.0% |
| SWBC MORTGAGE CORPORATION | $3,210,000 | $1,930,000 | -39.9% | 1.0% |
| MEMBER HOME LOAN, L.L.C. | $370,000 | $1,850,000 | 400.0% | 0.9% |
| MOVEMENT MORTGAGE, LLC | $1,485,000 | $1,685,000 | 13.5% | 0.9% |
| NATIONS RELIABLE LENDING, LLC | $940,000 | $1,585,000 | 68.6% | 0.8% |
| Austin Bank, Texas | $4,905,000 | $1,455,000 | -70.3% | 0.7% |
| CORNERSTONE HOME LENDING, INC. | $5,305,000 | $1,395,000 | -73.7% | 0.7% |
| CommunityBank of Texas, N.A. | $9,650,000 | $1,370,000 | -85.8% | 0.7% |
| V.I.P. MORTGAGE, INC. | $1,235,000 | n/a | 0.6% | |
| Mr. Cooper ( Nationstar Mortgage ) | $1,620,000 | $1,225,000 | -24.4% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,870,000 | $1,190,000 | -36.4% | 0.6% |
| FREEDOM MORTGAGE CORPORATION | $680,000 | $1,185,000 | 74.3% | 0.6% |
| PNC Bank | $1,450,000 | $1,180,000 | -18.6% | 0.6% |
| T2 FINANCIAL LLC | $1,525,000 | $1,175,000 | -23.0% | 0.6% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $430,000 | $1,105,000 | 157.0% | 0.6% |
| TRIAD FINANCIAL SERVICES, INC. | $820,000 | $1,095,000 | 33.5% | 0.6% |
| GUARANTEED RATE AFFINITY, LLC | $890,000 | $1,065,000 | 19.7% | 0.5% |
| GUILD MORTGAGE COMPANY | $1,380,000 | $970,000 | -29.7% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $800,000 | $920,000 | 15.0% | 0.5% |
| Commerce Home Mortgage, Inc. | $910,000 | n/a | 0.5% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $620,000 | $905,000 | 46.0% | 0.5% |
| LOANDEPOT.COM, LLC | $1,550,000 | $900,000 | -41.9% | 0.5% |
| VILLAGE CAPITAL MORTGAGE | $155,000 | $900,000 | 480.6% | 0.5% |
| BROKER SOLUTIONS, INC. | $320,000 | $885,000 | 176.6% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $225,000 | $880,000 | 291.1% | 0.4% |
| UNITED BUILT HOMES, L.L.C. | $800,000 | n/a | 0.4% | |
| The Federal Savings Bank | $835,000 | $785,000 | -6.0% | 0.4% |
| Wolfe Financial, Inc | $530,000 | $780,000 | 47.2% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $1,050,000 | $745,000 | -29.0% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $505,000 | $735,000 | 45.5% | 0.4% |
| Nations Lending Corporation | $700,000 | $735,000 | 5.0% | 0.4% |
| BM Real Estate Services, Inc. | $725,000 | n/a | 0.4% | |
| Sierra Pacific Mortgage Company, Inc. | $715,000 | n/a | 0.4% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $300,000 | $685,000 | 128.3% | 0.3% |
| The Loan Store, Inc. | $95,000 | $685,000 | 621.1% | 0.3% |
| NEWREZ LLC | $1,355,000 | $680,000 | -49.8% | 0.3% |
| FINANCE OF AMERICA REVERSE LLC | $280,000 | $675,000 | 141.1% | 0.3% |
| GARDNER FINANCIAL SERVICES, LTD. | $205,000 | $655,000 | 219.5% | 0.3% |
| MORTGAGE ACCESS CORP. | $655,000 | n/a | 0.3% | |
| TEXAS DOW EMPLOYEES CREDIT UNION | $440,000 | $640,000 | 45.5% | 0.3% |
| SUMMIT FUNDING, INC. | $615,000 | n/a | 0.3% | |
| NATIONS DIRECT MORTGAGE, LLC | $605,000 | n/a | 0.3% | |
| LOANPAL, LLC | $125,000 | $600,000 | 380.0% | 0.3% |
| MORTGAGE FINANCIAL SERVICES, LLC | $925,000 | $590,000 | -36.2% | 0.3% |
| LIMA ONE CAPITAL, LLC | $585,000 | n/a | 0.3% | |
| LEADERONE FINANCIAL CORPORATION | $575,000 | n/a | 0.3% | |
| Bank of America | $1,175,000 | $530,000 | -54.9% | 0.3% |
| COUNTRYPLACE MORTGAGE, LTD. | $515,000 | n/a | 0.3% | |
| Plains Commerce Bank | $515,000 | n/a | 0.3% | |
| HOMEXPRESS MORTGAGE CORP. | $510,000 | $475,000 | -6.9% | 0.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $265,000 | $460,000 | 73.6% | 0.2% |
| RF Renovo Management Company, LLC | $455,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $450,000 | n/a | 0.2% | |
| CAPITAL BANK | $435,000 | n/a | 0.2% | |
| Mid-Continent Funding, Inc. | $405,000 | n/a | 0.2% | |
| Simmons Bank | $285,000 | $400,000 | 40.4% | 0.2% |
| Residential Mortgage Solutions, Inc. | $395,000 | n/a | 0.2% | |
| PILGRIM MORTGAGE LLC | $385,000 | n/a | 0.2% | |
| Network Funding, L.P. | $315,000 | $380,000 | 20.6% | 0.2% |
| HOUSTON POLICE FEDERAL CREDIT UNION | $375,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $700,000 | $350,000 | -50.0% | 0.2% |
| Encompass Lending Group, LP | $85,000 | $345,000 | 305.9% | 0.2% |
| NBKC BANK | $345,000 | n/a | 0.2% | |
| SFMC, LP | $285,000 | $325,000 | 14.0% | 0.2% |
| Wells Fargo Bank | $790,000 | $310,000 | -60.8% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $205,000 | $295,000 | 43.9% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $770,000 | $295,000 | -61.7% | 0.2% |
| U.S. Bank | $295,000 | n/a | 0.2% | |
| SOUTHWEST STAGE FUNDING, LLC | $740,000 | $290,000 | -60.8% | 0.1% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $285,000 | n/a | 0.1% | |
| Regions Bank | $285,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $275,000 | n/a | 0.1% | |
| CLM MORTGAGE, INC | $245,000 | $265,000 | 8.2% | 0.1% |
| CSL Financial, LLC | $580,000 | $265,000 | -54.3% | 0.1% |
| MORIA DEVELOPMENT, INC. | $265,000 | n/a | 0.1% | |
| TruHome Solutions, LLC | $255,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $190,000 | $240,000 | 26.3% | 0.1% |
| BARKSDALE | $235,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $390,000 | $235,000 | -39.7% | 0.1% |
| UNION HOME MORTGAGE CORP. | $480,000 | $235,000 | -51.0% | 0.1% |
| Amarillo National Bank | $75,000 | $225,000 | 200.0% | 0.1% |
| FIRST SERVICE Credit Union | $225,000 | n/a | 0.1% | |
| S1L, Inc. | $225,000 | n/a | 0.1% | |
| SYNERGY FEDERAL CREDIT UNION | $225,000 | n/a | 0.1% | |
| CALCON MUTUAL MORTGAGE LLC | $430,000 | $215,000 | -50.0% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $205,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $205,000 | n/a | 0.1% | |
| First United Bank and Trust Company | $640,000 | $205,000 | -68.0% | 0.1% |
| OCMBC, INC. | $165,000 | $205,000 | 24.2% | 0.1% |
| UIF CORPORATION | $205,000 | n/a | 0.1% | |
| LEGEND LENDING CORPORATION | $195,000 | n/a | 0.1% | |
| Legends Bank | $195,000 | n/a | 0.1% | |
| Luxury Mortgage Corp. | $195,000 | n/a | 0.1% | |
| Texas First Bank | $105,000 | $195,000 | 85.7% | 0.1% |
| 212 LOANS, LLC. | $235,000 | $175,000 | -25.5% | 0.1% |
| First Citizens National Bank | $175,000 | n/a | 0.1% | |
| Discover Bank | $540,000 | $165,000 | -69.4% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $165,000 | n/a | 0.1% | |
| FBC MORTGAGE, LLC | $1,040,000 | $165,000 | -84.1% | 0.1% |
| SUCCESS MORTGAGE PARTNERS, INC. | $165,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $185,000 | $155,000 | -16.2% | 0.1% |
| FIVEPOINT CREDIT UNION | $155,000 | n/a | 0.1% | |
| International Bank of Commerce | $175,000 | $155,000 | -11.4% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $1,220,000 | $145,000 | -88.1% | 0.1% |
| INTERLINC MORTGAGE SERVICES, LLC | $245,000 | $145,000 | -40.8% | 0.1% |
| SPRING EQ, LLC | $140,000 | n/a | 0.1% | |
| Truist | $365,000 | $130,000 | -64.4% | 0.1% |
| GUARANTEED RATE, INC. | $1,040,000 | $125,000 | -88.0% | 0.1% |
| Farm Credit Mid-America, ACA | $485,000 | $115,000 | -76.3% | 0.1% |
| Figure Lending LLC | $105,000 | n/a | 0.1% | |
| Frost Bank | $155,000 | $105,000 | -32.3% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $105,000 | n/a | 0.1% | |
| AMERICAN FINANCING CORPORATION | $85,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $80,000 | n/a | 0.0% | |
| UNIVERSITY Federal Credit Union | $75,000 | n/a | 0.0% | |
| FIRSTMARK | $65,000 | n/a | 0.0% | |
| SECURITY SERVICE | $65,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $330,000 | $55,000 | -83.3% | 0.0% |
| BOKF | $55,000 | $35,000 | -36.4% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $235,000 | $35,000 | -85.1% | 0.0% |
| SHELL FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
| United Texas Credit Union | $35,000 | n/a | 0.0% | |
| MOBILOIL | $25,000 | n/a | 0.0% |
Huntsville's top lender by overall market share is WALKER & DUNLOP, LLC, with 7.9% market share. In second place, with 6.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $12,940,000 in loans. In third place, with 4.5%, is HOMETRUST MORTGAGE COMPANY, having originated $8,870,000 in loans. In fourth place, with 4.5%, is DHI MORTGAGE COMPANY, LTD., having originated $8,840,000 in loans. In fifth place, with 4.3%, is ARK-LA-TEX FINANCIAL SERVICES, LLC., having originated $8,480,000 in loans.
Huntsville, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 509 | $138,015,000 | $271,149 |
| Refi | 63 | $36,265,000 | $575,635 |
| Cash Out Refi | 54 | $14,240,000 | $263,704 |
| Home Improvement | 31 | $3,475,000 | $112,097 |
| Other | 24 | $3,200,000 | $133,333 |
| NA | 1 | $615,000 | $615,000 |
Huntsville's most frequently cited loan purpose was Home Purchase, with 509 originations. The 2nd most popular reason was Refi, with 63 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 251 | $73,745,000 | $293,805 |
| 7-8% | 150 | $46,670,000 | $311,133 |
| Over 8% | 136 | $23,890,000 | $175,662 |
| 5-6% | 102 | $26,300,000 | $257,843 |
| 4-5% | 29 | $22,425,000 | $773,276 |
| 3-4% | 5 | $1,475,000 | $295,000 |
| <2.5% | 1 | $5,000 | $5,000 |
During 2024, Huntsville's most frequently originated rate bucket was 6-7%, with 251 originations.
Loan Sizing (Huntsville, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 290 | $76,590,000 | $264,103 |
| $100k-200k | 201 | $30,275,000 | $150,622 |
| $100,000 or less | 86 | $5,520,000 | $64,186 |
| $400k-600k | 58 | $28,670,000 | $494,310 |
| $600k-1000k | 41 | $29,615,000 | $722,317 |
| $Over $1MM | 6 | $25,140,000 | $4,190,000 |
Huntsville's loan sizing saw the bucket of loans from $200k-400k with 290 originations, totaling $76,590,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 345 | $111,545,000 | $323,319 |
| 60-80% | 155 | $47,625,000 | $307,258 |
| 40-60% | 59 | $17,955,000 | $304,322 |
| 20-40% | 52 | $8,360,000 | $160,769 |
| Under 20% | 35 | $2,425,000 | $69,286 |
| Over 100% | 20 | $4,730,000 | $236,500 |
Huntsville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 345 originations, totaling $111,545,000 in origination value.