Jacksonville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Jacksonville averaged
7.29%
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
7.22% and
one month ago for the week of 2025-05-15, the
average rate was 7.19%.
Jacksonville's average rate one year ago was 7.33%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.91%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Jacksonville 30 Year Fixed Rate | 2025-06-18 | 7.29% |
| Jacksonville 30 Year Fixed Rate Refi | 2025-06-18 | 6.91% |
| Jacksonville 15 Year Fixed Rate | 2025-06-18 | 6.16% |
| Jacksonville 15 Year Fixed Rate Refi | 2025-06-18 | 6.36% |
| Jacksonville 30 Year FHA | 2025-06-18 | 0.28% |
| Jacksonville 30 Year FHA Refi | 2025-06-18 | -0.2% |
| Jacksonville 30 Year USDA | 2025-06-18 | -0.2% |
| Jacksonville 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Jacksonville 30 Year VA | 2025-06-18 | 0.1% |
| Jacksonville 30 Year VA Refi | 2025-06-18 | 0.1% |
Jacksonville 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 Jacksonville, 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.).
Jacksonville Average Closing Costs & Other Stats
Jacksonville, TX's 55 lenders originated 641
loans during 2024. The total origination value was $139,155,000, with an average loan value of
$217,090.
Jacksonville's average closing costs are $5,686.
The top Jacksonville lender as defined by loan originations is Austin Bank, Texas, with
23 loans originated. Their average total fees are
$4,634, which is $1,766
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Jacksonville lenders (with over 10 loans originated) are
ALTRA ($3,232), Austin Bank, Texas ($4,634), UNITED WHOLESALE MORTGAGE, LLC ($6,400), QUICKEN LOANS, LLC ($7,309) and .
The lowest rate Jacksonville lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.96%), QUICKEN LOANS, LLC (6.97%), Austin Bank, Texas (7.19%), ALTRA (7.62%) and .
Jacksonville, 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 |
|---|---|---|---|---|
| Austin Bank, Texas | $22,620,000 | $23,970,000 | 6.0% | 17.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,330,000 | $8,530,000 | 34.8% | 6.1% |
| QUICKEN LOANS, LLC | $10,930,000 | $7,770,000 | -28.9% | 5.6% |
| 21ST MORTGAGE CORPORATION | $6,905,000 | $5,880,000 | -14.8% | 4.2% |
| ALTRA | $8,950,000 | $4,640,000 | -48.2% | 3.3% |
| HALLMARK HOME MORTGAGE, LLC | $1,355,000 | $4,160,000 | 207.0% | 3.0% |
| Texas National Bank of Jacksonville | $10,470,000 | $4,020,000 | -61.6% | 2.9% |
| Farm Credit Mid-America, ACA | $2,615,000 | n/a | 1.9% | |
| CMG MORTGAGE, INC. | $5,280,000 | $2,605,000 | -50.7% | 1.9% |
| Mortgage Research Center, LLC | $4,815,000 | $2,560,000 | -46.8% | 1.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,215,000 | $2,400,000 | 97.5% | 1.7% |
| Texas Bank and Trust Company | $940,000 | $2,355,000 | 150.5% | 1.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $355,000 | $2,125,000 | 498.6% | 1.5% |
| The First National Bank of Hughes Springs | $200,000 | $2,115,000 | 957.5% | 1.5% |
| Southside Bank | $980,000 | $1,945,000 | 98.5% | 1.4% |
| GUARANTEED RATE, INC. | $2,050,000 | $1,910,000 | -6.8% | 1.4% |
| Prosperity Bank | $3,610,000 | $1,655,000 | -54.2% | 1.2% |
| FREEDOM MORTGAGE CORPORATION | $1,610,000 | n/a | 1.2% | |
| Mr. Cooper ( Nationstar Mortgage ) | $480,000 | $1,580,000 | 229.2% | 1.1% |
| NAVY FEDERAL CREDIT UNION | $840,000 | $1,570,000 | 86.9% | 1.1% |
| Telco Plus Credit Union | $415,000 | $1,555,000 | 274.7% | 1.1% |
| SOUTHWEST STAGE FUNDING, LLC | $1,390,000 | $1,455,000 | 4.7% | 1.0% |
| NEWREZ LLC | $560,000 | $1,345,000 | 140.2% | 1.0% |
| Ixonia Bank | $165,000 | $1,240,000 | 651.5% | 0.9% |
| Commercial Bank of Texas | $1,150,000 | $1,225,000 | 6.5% | 0.9% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $260,000 | $1,220,000 | 369.2% | 0.9% |
| Plains Commerce Bank | $350,000 | $1,170,000 | 234.3% | 0.8% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $1,155,000 | n/a | 0.8% | |
| Paramount Residential Mortgage Group, Inc. | $645,000 | $1,110,000 | 72.1% | 0.8% |
| BROKER SOLUTIONS, INC. | $395,000 | $1,095,000 | 177.2% | 0.8% |
| MORTGAGE FINANCIAL SERVICES, LLC | $2,935,000 | $1,095,000 | -62.7% | 0.8% |
| Greenbox Loans, Inc. | $1,090,000 | n/a | 0.8% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $470,000 | $1,000,000 | 112.8% | 0.7% |
| U.S. Bank | $420,000 | $985,000 | 134.5% | 0.7% |
| BancorpSouth | $1,675,000 | $955,000 | -43.0% | 0.7% |
| UBank | $1,665,000 | $935,000 | -43.8% | 0.7% |
| NATIONS RELIABLE LENDING, LLC | $275,000 | $895,000 | 225.5% | 0.6% |
| Bank of America | $1,680,000 | $890,000 | -47.0% | 0.6% |
| CARDINAL FINANCIAL | $1,235,000 | $845,000 | -31.6% | 0.6% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $2,035,000 | $800,000 | -60.7% | 0.6% |
| CHEVRON | $785,000 | n/a | 0.6% | |
| TIB The Independent Bankersbank | $205,000 | $765,000 | 273.2% | 0.5% |
| SWBC MORTGAGE CORPORATION | $85,000 | $760,000 | 794.1% | 0.5% |
| American Airlines Federal Credit Union | $755,000 | n/a | 0.5% | |
| TRIAD FINANCIAL SERVICES, INC. | $995,000 | $755,000 | -24.1% | 0.5% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $595,000 | $745,000 | 25.2% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $685,000 | n/a | 0.5% | |
| CALCON MUTUAL MORTGAGE LLC | $665,000 | n/a | 0.5% | |
| Texas Mortgage Lending, LLC | $1,050,000 | $660,000 | -37.1% | 0.5% |
| NBKC BANK | $365,000 | $655,000 | 79.5% | 0.5% |
| JPMorgan Chase Bank | $525,000 | $625,000 | 19.0% | 0.4% |
| VeraBank | $3,695,000 | $610,000 | -83.5% | 0.4% |
| GENEVA FINANCIAL, LLC | $380,000 | $595,000 | 56.6% | 0.4% |
| Flagstar Bank, FSB | $535,000 | $580,000 | 8.4% | 0.4% |
| 1ST SIGNATURE LENDING, LLC | $525,000 | n/a | 0.4% | |
| EVERETT FINANCIAL, INC. | $405,000 | $520,000 | 28.4% | 0.4% |
| CANOPY MORTGAGE, LLC | $515,000 | n/a | 0.4% | |
| First Financial Bank | $490,000 | n/a | 0.4% | |
| United Heritage Credit Union | $250,000 | $485,000 | 94.0% | 0.3% |
| PENNYMAC LOAN SERVICES, LLC | $850,000 | $475,000 | -44.1% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $790,000 | $470,000 | -40.5% | 0.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | $465,000 | n/a | 0.3% | |
| Regions Bank | $125,000 | $450,000 | 260.0% | 0.3% |
| CITYWIDE HOME LOANS, LLC | $435,000 | n/a | 0.3% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,455,000 | $415,000 | -71.5% | 0.3% |
| CORNERSTONE HOME LENDING, INC. | $405,000 | n/a | 0.3% | |
| First Federal Bank | $395,000 | n/a | 0.3% | |
| Henderson Federal Savings Bank | $1,150,000 | $390,000 | -66.1% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $790,000 | $365,000 | -53.8% | 0.3% |
| Equity Prime Mortgage LLC | $210,000 | $365,000 | 73.8% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $350,000 | n/a | 0.3% | |
| AMERICAN FINANCIAL NETWORK, INC. | $345,000 | n/a | 0.2% | |
| AmeriHome Mortgage Company, LLC | $335,000 | n/a | 0.2% | |
| GUILD MORTGAGE COMPANY | $1,155,000 | $315,000 | -72.7% | 0.2% |
| V.I.P. MORTGAGE, INC. | $315,000 | n/a | 0.2% | |
| PHH Mortgage Corporation | $305,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $225,000 | $300,000 | 33.3% | 0.2% |
| First Bank | $295,000 | n/a | 0.2% | |
| Network Funding, L.P. | $295,000 | n/a | 0.2% | |
| S1L, Inc. | $295,000 | n/a | 0.2% | |
| T2 FINANCIAL LLC | $525,000 | $295,000 | -43.8% | 0.2% |
| The American National Bank of Texas | $295,000 | n/a | 0.2% | |
| LAND HOME FINANCIAL SERVICES, INC. | $280,000 | n/a | 0.2% | |
| LOANPAL, LLC | $335,000 | $270,000 | -19.4% | 0.2% |
| Citizens 1st Bank | $1,700,000 | $255,000 | -85.0% | 0.2% |
| PLANET HOME LENDING, LLC | $255,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $410,000 | $255,000 | -37.8% | 0.2% |
| VAN DYK MORTGAGE CORPORATION | $245,000 | n/a | 0.2% | |
| The Central Trust Bank | $235,000 | n/a | 0.2% | |
| First National Bank of East Texas | $45,000 | $225,000 | 400.0% | 0.2% |
| Prosperity Home Mortgage, LLC | $225,000 | n/a | 0.2% | |
| Waterstone Mortgage Corporation | $355,000 | $225,000 | -36.6% | 0.2% |
| Northpointe Bank | $215,000 | n/a | 0.2% | |
| BancFirst | $205,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $95,000 | $205,000 | 115.8% | 0.1% |
| PNC Bank | $165,000 | $205,000 | 24.2% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $205,000 | n/a | 0.1% | |
| Discover Bank | $130,000 | $200,000 | 53.8% | 0.1% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $195,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $195,000 | n/a | 0.1% | |
| American Momentum Bank | $185,000 | n/a | 0.1% | |
| INTERLINC MORTGAGE SERVICES, LLC | $185,000 | n/a | 0.1% | |
| SFMC, LP | $890,000 | $185,000 | -79.2% | 0.1% |
| LOANDEPOT.COM, LLC | $1,105,000 | $180,000 | -83.7% | 0.1% |
| Home Federal Bank | $175,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $175,000 | n/a | 0.1% | |
| Texas Bank | $725,000 | $165,000 | -77.2% | 0.1% |
| ZILLOW HOME LOANS, LLC | $465,000 | $165,000 | -64.5% | 0.1% |
| Origin Bank | $155,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $150,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $125,000 | $145,000 | 16.0% | 0.1% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $235,000 | $145,000 | -38.3% | 0.1% |
| EAST TEXAS PROFESSIONAL Credit Union | $140,000 | $135,000 | -3.6% | 0.1% |
| NFM, INC. | $135,000 | n/a | 0.1% | |
| Assurance Financial Group, L.L.C. | $125,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $110,000 | $120,000 | 9.1% | 0.1% |
| Cooperative Teachers Credit Union | $775,000 | $105,000 | -86.5% | 0.1% |
| InterBank | $785,000 | $105,000 | -86.6% | 0.1% |
| GENCO Federal Credit Union | $95,000 | n/a | 0.1% | |
| COUNTRYPLACE MORTGAGE, LTD. | $510,000 | $85,000 | -83.3% | 0.1% |
| CSL Financial, LLC | $225,000 | $65,000 | -71.1% | 0.0% |
| Frost Bank | $65,000 | n/a | 0.0% | |
| Guaranty Bank & Trust, N.A. | $235,000 | $65,000 | -72.3% | 0.0% |
| Baxter Credit Union | $355,000 | $45,000 | -87.3% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $115,000 | $45,000 | -60.9% | 0.0% |
Jacksonville's top lender by overall market share is Austin Bank, Texas, with 17.2% market share. In second place, with 6.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $8,530,000 in loans. In third place, with 5.6%, is QUICKEN LOANS, LLC, having originated $7,770,000 in loans. In fourth place, with 4.2%, is 21ST MORTGAGE CORPORATION, having originated $5,880,000 in loans. In fifth place, with 3.3%, is ALTRA, having originated $4,640,000 in loans.
Jacksonville, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 459 | $107,005,000 | $233,126 |
| Refi | 62 | $16,170,000 | $260,806 |
| Home Improvement | 43 | $3,965,000 | $92,209 |
| Cash Out Refi | 43 | $7,605,000 | $176,860 |
| Other | 33 | $3,255,000 | $98,636 |
| NA | 1 | $1,155,000 | $1,155,000 |
Jacksonville's most frequently cited loan purpose was Home Purchase, with 459 originations. The 2nd most popular reason was Refi, with 62 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 188 | $49,350,000 | $262,500 |
| 7-8% | 179 | $43,985,000 | $245,726 |
| Over 8% | 175 | $20,605,000 | $117,743 |
| 5-6% | 40 | $11,310,000 | $282,750 |
| <2.5% | 5 | $35,000 | $7,000 |
| 4-5% | 1 | $365,000 | $365,000 |
| 3-4% | 1 | $245,000 | $245,000 |
| 2.5-3% | 1 | $305,000 | $305,000 |
During 2024, Jacksonville's most frequently originated rate bucket was 6-7%, with 188 originations.
Loan Sizing (Jacksonville, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 235 | $35,975,000 | $153,085 |
| $200k-400k | 170 | $47,660,000 | $280,353 |
| $100,000 or less | 164 | $9,980,000 | $60,854 |
| $400k-600k | 44 | $20,730,000 | $471,136 |
| $600k-1000k | 21 | $15,035,000 | $715,952 |
| $Over $1MM | 7 | $9,775,000 | $1,396,429 |
Jacksonville's loan sizing saw the bucket of loans from $100k-200k with 235 originations, totaling $35,975,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 304 | $70,040,000 | $230,395 |
| 60-80% | 110 | $28,840,000 | $262,182 |
| 40-60% | 61 | $13,575,000 | $222,541 |
| 20-40% | 59 | $7,805,000 | $132,288 |
| Under 20% | 41 | $1,915,000 | $46,707 |
| Over 100% | 10 | $2,510,000 | $251,000 |
Jacksonville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 304 originations, totaling $70,040,000 in origination value.