Kerrville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Kerrville averaged
6.69%
for the week of 2025-06-26, compared to the national average of
6.77% for the same period.
The average rate for the prior week (2025-06-18) was
6.63% and
one month ago for the week of 2025-05-22, the
average rate was 6.98%.
Kerrville's average rate one year ago was 6.59%.
For refis of the same type during the week of 2025-06-26, the average rate
was 7.17%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-26 | 6.77% |
| Kerrville 30 Year Fixed Rate | 2025-06-26 | 6.69% |
| Kerrville 30 Year Fixed Rate Refi | 2025-06-26 | 7.17% |
| Kerrville 15 Year Fixed Rate | 2025-06-26 | 5.89% |
| Kerrville 15 Year Fixed Rate Refi | 2025-06-26 | 5.99% |
| Kerrville 30 Year FHA | 2025-06-26 | 6.01% |
| Kerrville 30 Year FHA Refi | 2025-06-26 | 6.59% |
| Kerrville 30 Year USDA | 2025-06-26 | 6.46% |
| Kerrville 30 Year USDA Refi | 2025-06-26 | 6.26% |
| Kerrville 30 Year VA | 2025-06-26 | 5.97% |
| Kerrville 30 Year VA Refi | 2025-06-26 | 6.34% |
Kerrville 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 Kerrville, 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.).
Kerrville Average Closing Costs & Other Stats
Kerrville, TX's 73 lenders originated 709
loans during 2024. The total origination value was $213,465,000, with an average loan value of
$301,079.
Kerrville's average closing costs are $6,227.
The top Kerrville lender as defined by loan originations is QUICKEN LOANS, LLC, with
33 loans originated. Their average total fees are
$8,085, which is $3,047
higher than the next largest lender,
MLD MORTGAGE INC..
The lowest fee Kerrville lenders (with over 10 loans originated) are
RANDOLPH-BROOKS ($2,801), EAGLE HOME MORTGAGE, LLC ($4,222), MLD MORTGAGE INC. ($5,037), Centennial Bank ($6,419) and QUICKEN LOANS, LLC ($8,085).
The lowest rate Kerrville lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (4.87%), UNITED WHOLESALE MORTGAGE, LLC (6.55%), Centennial Bank (6.60%), V.I.P. MORTGAGE, INC. (6.78%) and MLD MORTGAGE INC. (6.79%).
Kerrville, 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 |
|---|---|---|---|---|
| EAGLE HOME MORTGAGE, LLC | $1,295,000 | $16,610,000 | 1,182.6% | 7.8% |
| MLD MORTGAGE INC. | $15,830,000 | n/a | 7.4% | |
| RANDOLPH-BROOKS | $8,510,000 | $13,355,000 | 56.9% | 6.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,440,000 | $12,680,000 | 185.6% | 5.9% |
| QUICKEN LOANS, LLC | $8,675,000 | $12,055,000 | 39.0% | 5.6% |
| Centennial Bank | $5,080,000 | $10,845,000 | 113.5% | 5.1% |
| V.I.P. MORTGAGE, INC. | $7,085,000 | $9,340,000 | 31.8% | 4.4% |
| Regions Bank | $485,000 | $7,075,000 | 1,358.8% | 3.3% |
| GARDNER FINANCIAL SERVICES, LTD. | $6,235,000 | $6,515,000 | 4.5% | 3.1% |
| Security State Bank & Trust | $9,360,000 | $5,985,000 | -36.1% | 2.8% |
| PILGRIM MORTGAGE LLC | $6,295,000 | $5,165,000 | -18.0% | 2.4% |
| Broadway National Bank | $7,925,000 | $3,975,000 | -49.8% | 1.9% |
| Mortgage Research Center, LLC | $2,105,000 | $3,710,000 | 76.2% | 1.7% |
| 21ST MORTGAGE CORPORATION | $2,115,000 | $3,275,000 | 54.8% | 1.5% |
| UNIVERSITY Federal Credit Union | $2,300,000 | n/a | 1.1% | |
| First Financial Bank | $2,285,000 | n/a | 1.1% | |
| GUILD MORTGAGE COMPANY | $2,970,000 | $2,090,000 | -29.6% | 1.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,010,000 | $1,965,000 | 94.6% | 0.9% |
| Farm Credit Mid-America, ACA | $1,020,000 | $1,925,000 | 88.7% | 0.9% |
| AmeriHome Mortgage Company, LLC | $1,915,000 | n/a | 0.9% | |
| CMG MORTGAGE, INC. | $1,390,000 | $1,845,000 | 32.7% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $910,000 | $1,765,000 | 94.0% | 0.8% |
| Jefferson Bank | $940,000 | $1,755,000 | 86.7% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $1,365,000 | $1,750,000 | 28.2% | 0.8% |
| Bank of America | $960,000 | $1,675,000 | 74.5% | 0.8% |
| Plains Commerce Bank | $1,060,000 | $1,655,000 | 56.1% | 0.8% |
| First United Bank and Trust Company | $1,575,000 | $1,640,000 | 4.1% | 0.8% |
| The Bank & Trust | $3,965,000 | $1,615,000 | -59.3% | 0.8% |
| Morgan Stanley Private Bank | $1,600,000 | n/a | 0.7% | |
| NEWREZ LLC | $3,025,000 | $1,340,000 | -55.7% | 0.6% |
| JPMorgan Chase Bank | $3,235,000 | $1,315,000 | -59.4% | 0.6% |
| Network Funding, L.P. | $1,245,000 | n/a | 0.6% | |
| Wells Fargo Bank | $1,310,000 | $1,245,000 | -5.0% | 0.6% |
| Zions Bank | $605,000 | $1,210,000 | 100.0% | 0.6% |
| LOANDEPOT.COM, LLC | $1,040,000 | $1,190,000 | 14.4% | 0.6% |
| FirstBank Southwest | $1,140,000 | $1,170,000 | 2.6% | 0.5% |
| SWBC MORTGAGE CORPORATION | $11,105,000 | $1,170,000 | -89.5% | 0.5% |
| NBKC BANK | $1,090,000 | n/a | 0.5% | |
| Pinnacle Bank | $1,085,000 | n/a | 0.5% | |
| HOMESIDE FINANCIAL, LLC | $1,080,000 | n/a | 0.5% | |
| The Loan Store, Inc. | $1,005,000 | n/a | 0.5% | |
| TOWNE MORTGAGE COMPANY | $1,005,000 | n/a | 0.5% | |
| Comerica Bank | $1,440,000 | $1,000,000 | -30.6% | 0.5% |
| USAA Federal Savings Bank | $1,790,000 | $980,000 | -45.3% | 0.5% |
| CALCON MUTUAL MORTGAGE LLC | $580,000 | $915,000 | 57.8% | 0.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,270,000 | $910,000 | -28.3% | 0.4% |
| SECURITY SERVICE | $2,725,000 | $905,000 | -66.8% | 0.4% |
| LONGBRIDGE FINANCIAL, LLC | $255,000 | $875,000 | 243.1% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $875,000 | n/a | 0.4% | |
| ROYAL UNITED MORTGAGE LLC | $580,000 | $870,000 | 50.0% | 0.4% |
| BOKF | $840,000 | n/a | 0.4% | |
| The Bank of San Antonio | $725,000 | $810,000 | 11.7% | 0.4% |
| ASCENT HOME LENDING, LLC | $790,000 | n/a | 0.4% | |
| AMERICAN FINANCIAL NETWORK, INC. | $640,000 | $780,000 | 21.9% | 0.4% |
| Community Bank | $780,000 | n/a | 0.4% | |
| Eagle Bank and Trust Company | $755,000 | n/a | 0.4% | |
| Frost Bank | $135,000 | $735,000 | 444.4% | 0.3% |
| GUARANTEED RATE, INC. | $360,000 | $725,000 | 101.4% | 0.3% |
| Castroville State Bank | $715,000 | n/a | 0.3% | |
| PLAZA HOME MORTGAGE, INC. | $1,845,000 | $715,000 | -61.2% | 0.3% |
| MORTGAGE FINANCIAL SERVICES, LLC | $705,000 | n/a | 0.3% | |
| FREEDOM MORTGAGE CORPORATION | $370,000 | $700,000 | 89.2% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $670,000 | n/a | 0.3% | |
| Prosperity Bank | $860,000 | $660,000 | -23.3% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $125,000 | $660,000 | 428.0% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $660,000 | n/a | 0.3% | |
| Stifel Bank and Trust | $625,000 | n/a | 0.3% | |
| CROSSCOUNTRY MORTGAGE, LLC | $305,000 | $620,000 | 103.3% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $265,000 | $605,000 | 128.3% | 0.3% |
| SUMMIT FUNDING, INC. | $265,000 | $590,000 | 122.6% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,620,000 | $565,000 | -65.1% | 0.3% |
| NEW DAY FINANCIAL, LLC | $555,000 | n/a | 0.3% | |
| NEW FED MORTGAGE, CORP. | $510,000 | n/a | 0.2% | |
| SOUTHWEST STAGE FUNDING, LLC | $300,000 | $510,000 | 70.0% | 0.2% |
| Axos Bank | $505,000 | n/a | 0.2% | |
| Community First National Bank | $495,000 | n/a | 0.2% | |
| Flagstar Bank, FSB | $845,000 | $495,000 | -41.4% | 0.2% |
| Independent Bank | $495,000 | n/a | 0.2% | |
| NAVY FEDERAL CREDIT UNION | $1,190,000 | $480,000 | -59.7% | 0.2% |
| PHH Mortgage Corporation | $475,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $255,000 | $445,000 | 74.5% | 0.2% |
| Wallick & Volk, Inc. | $445,000 | n/a | 0.2% | |
| Integrity Home Mortgage Corp | $435,000 | n/a | 0.2% | |
| INTERCAP LENDING INC. | $425,000 | n/a | 0.2% | |
| NEXERA HOLDING LLC | $425,000 | n/a | 0.2% | |
| TEXAS DOW EMPLOYEES CREDIT UNION | $405,000 | $415,000 | 2.5% | 0.2% |
| DAS Acquisition Company, LLC | $405,000 | n/a | 0.2% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $255,000 | $405,000 | 58.8% | 0.2% |
| MidFirst Bank | $395,000 | n/a | 0.2% | |
| BROKER SOLUTIONS, INC. | $275,000 | $385,000 | 40.0% | 0.2% |
| Raymond James Bank | $905,000 | $385,000 | -57.5% | 0.2% |
| CARDINAL FINANCIAL | $375,000 | n/a | 0.2% | |
| CHURCHILL MORTGAGE CORPORATION | $560,000 | $360,000 | -35.7% | 0.2% |
| Gulf Coast Bank and Trust Company | $360,000 | n/a | 0.2% | |
| Equity Prime Mortgage LLC | $285,000 | $355,000 | 24.6% | 0.2% |
| COUNTRYPLACE MORTGAGE, LTD. | $185,000 | $340,000 | 83.8% | 0.2% |
| DEVELOPER'S MORTGAGE COMPANY | $335,000 | n/a | 0.2% | |
| ZILLOW HOME LOANS, LLC | $335,000 | n/a | 0.2% | |
| NATIONS RELIABLE LENDING, LLC | $325,000 | n/a | 0.2% | |
| FINANCE OF AMERICA REVERSE LLC | $180,000 | $320,000 | 77.8% | 0.1% |
| JSC | $255,000 | $315,000 | 23.5% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $860,000 | $315,000 | -63.4% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $2,380,000 | $305,000 | -87.2% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $315,000 | $305,000 | -3.2% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,025,000 | $300,000 | -70.7% | 0.1% |
| CLEARPATH LENDING | $295,000 | n/a | 0.1% | |
| LOANPAL, LLC | $295,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $900,000 | $295,000 | -67.2% | 0.1% |
| Servion, Inc. | $295,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $295,000 | n/a | 0.1% | |
| Texas Regional Bank | $155,000 | $295,000 | 90.3% | 0.1% |
| Citibank | $290,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $285,000 | n/a | 0.1% | |
| TJC Mortgage, Inc. | $285,000 | n/a | 0.1% | |
| OPEN MORTGAGE, LLC | $280,000 | n/a | 0.1% | |
| NexBank | $760,000 | $275,000 | -63.8% | 0.1% |
| SPRING EQ, LLC | $275,000 | n/a | 0.1% | |
| PNC Bank | $165,000 | $270,000 | 63.6% | 0.1% |
| SENTE MORTGAGE, INC. | $265,000 | n/a | 0.1% | |
| EVERETT FINANCIAL, INC. | $225,000 | $255,000 | 13.3% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $250,000 | n/a | 0.1% | |
| SYNERGY FEDERAL CREDIT UNION | $245,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $235,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $235,000 | n/a | 0.1% | |
| First Community Bank | $215,000 | n/a | 0.1% | |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $215,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $205,000 | n/a | 0.1% | |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $185,000 | n/a | 0.1% | |
| RB MORTGAGE LLC | $430,000 | $185,000 | -57.0% | 0.1% |
| AMPLIFY | $175,000 | n/a | 0.1% | |
| EECU | $155,000 | n/a | 0.1% | |
| American Bank | $145,000 | n/a | 0.1% | |
| LEADERONE FINANCIAL CORPORATION | $115,000 | n/a | 0.1% | |
| Figure Lending LLC | $110,000 | n/a | 0.1% | |
| TEXELL Credit Union | $75,000 | n/a | 0.0% | |
| United Texas Credit Union | $75,000 | n/a | 0.0% | |
| Discover Bank | $505,000 | $65,000 | -87.1% | 0.0% |
Kerrville's top lender by overall market share is EAGLE HOME MORTGAGE, LLC, with 7.8% market share. In second place, with 7.4%, is MLD MORTGAGE INC., having originated $15,830,000 in loans. In third place, with 6.3%, is RANDOLPH-BROOKS, having originated $13,355,000 in loans. In fourth place, with 5.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $12,680,000 in loans. In fifth place, with 5.6%, is QUICKEN LOANS, LLC, having originated $12,055,000 in loans.
Kerrville, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 476 | $154,230,000 | $324,013 |
| Cash Out Refi | 116 | $26,060,000 | $224,655 |
| Refi | 63 | $25,655,000 | $407,222 |
| Other | 27 | $3,795,000 | $140,556 |
| Home Improvement | 25 | $3,365,000 | $134,600 |
| NA | 2 | $360,000 | $180,000 |
Kerrville's most frequently cited loan purpose was Home Purchase, with 476 originations. The 2nd most popular reason was Cash Out Refi, with 116 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 272 | $90,840,000 | $333,971 |
| 7-8% | 155 | $45,215,000 | $291,710 |
| Over 8% | 93 | $14,455,000 | $155,430 |
| 5-6% | 87 | $34,675,000 | $398,563 |
| 4-5% | 59 | $15,465,000 | $262,119 |
| 3-4% | 4 | $1,130,000 | $282,500 |
| <2.5% | 2 | $10,000 | $5,000 |
| 2.5-3% | 1 | $245,000 | $245,000 |
During 2024, Kerrville's most frequently originated rate bucket was 6-7%, with 272 originations.
Loan Sizing (Kerrville, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 317 | $89,675,000 | $282,886 |
| $100k-200k | 166 | $25,140,000 | $151,446 |
| $100,000 or less | 89 | $5,195,000 | $58,371 |
| $400k-600k | 84 | $40,540,000 | $482,619 |
| $600k-1000k | 40 | $29,470,000 | $736,750 |
| $Over $1MM | 13 | $23,445,000 | $1,803,462 |
Kerrville's loan sizing saw the bucket of loans from $200k-400k with 317 originations, totaling $89,675,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 299 | $96,435,000 | $322,525 |
| 60-80% | 136 | $55,570,000 | $408,603 |
| 40-60% | 103 | $28,295,000 | $274,709 |
| 20-40% | 69 | $12,795,000 | $185,435 |
| Under 20% | 49 | $3,625,000 | $73,980 |
| Over 100% | 12 | $3,310,000 | $275,833 |
Kerrville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 299 originations, totaling $96,435,000 in origination value.