Kerrville Mortgage Rates
30 Year Fixed Rate mortgages in Kerrville averaged
6.03%
for the week of 2022-06-23, compared to the national average of
5.81% for the same period.
The average rate for the prior week (2022-06-16) was
5.8% and
one month ago for the week of 2022-05-19, the
average rate was 5.57%.
Kerrville's average rate one year ago was 3.38%.
For refis of the same type during the week of 2022-06-23, the average rate
was 6.11%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2022-06-23 | 5.81% |
| Kerrville 30 Year Fixed Rate | 2022-06-23 | 6.03% |
| Kerrville 30 Year Fixed Rate Refi | 2022-06-23 | 6.11% |
| Kerrville 15 Year Fixed Rate | 2022-06-23 | 5.32% |
| Kerrville 15 Year Fixed Rate Refi | 2022-06-23 | 5.04% |
| Kerrville 30 Year FHA | 2022-06-23 | -0.22% |
| Kerrville 30 Year FHA Refi | 2022-06-23 | 0.18% |
| Kerrville 30 Year USDA | 2022-06-23 | -0.07% |
| Kerrville 30 Year USDA Refi | 2022-06-23 | 0.06% |
| Kerrville 30 Year VA | 2022-06-23 | 0.01% |
| Kerrville 30 Year VA Refi | 2022-06-23 | -0.39% |
Kerrville 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 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, TX's 138 lenders originated 1,550
loans during 2021. The total origination value was $406,820,000, with an average loan value of
$262,465.
The top Kerrville lender as defined by loan originations is QUICKEN LOANS, LLC, with
82 loans originated. Their average total fees are
$5,522, which is $924
higher than the next largest lender,
SWBC MORTGAGE CORPORATION.
The lowest fee Kerrville lenders (with over 10 loans originated) are
RANDOLPH-BROOKS ($3,290), Happy State Bank ($4,032), Wells Fargo Bank ($4,364), SWBC MORTGAGE CORPORATION ($4,598) and MOVEMENT MORTGAGE, LLC ($5,092).
The lowest rate Kerrville lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (3.03%), JPMorgan Chase Bank (3.06%), Wells Fargo Bank (3.07%), CALIBER HOME LOANS, INC. (3.08%) and LOANDEPOT.COM, LLC (3.10%).
Kerrville, 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 |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $30,105,000 | $34,935,000 | 16.0% | 8.6% |
| SWBC MORTGAGE CORPORATION | $26,400,000 | $30,775,000 | 16.6% | 7.6% |
| The Bank of San Antonio | $25,030,000 | n/a | 6.2% | |
| Security State Bank & Trust | $12,610,000 | $13,460,000 | 6.7% | 3.3% |
| V.I.P. MORTGAGE, INC. | $3,285,000 | $13,095,000 | 298.6% | 3.2% |
| RANDOLPH-BROOKS | $9,135,000 | $12,435,000 | 36.1% | 3.1% |
| Happy State Bank | $4,150,000 | $10,220,000 | 146.3% | 2.5% |
| Wells Fargo Bank | $18,195,000 | $9,970,000 | -45.2% | 2.5% |
| CALIBER HOME LOANS, INC. | $14,935,000 | $9,950,000 | -33.4% | 2.4% |
| FREEDOM MORTGAGE CORPORATION | $10,650,000 | $8,925,000 | -16.2% | 2.2% |
| Broadway National Bank | $3,650,000 | $7,830,000 | 114.5% | 1.9% |
| LOANDEPOT.COM, LLC | $3,615,000 | $7,830,000 | 116.6% | 1.9% |
| Mortgage Research Center, LLC | $3,705,000 | $7,665,000 | 106.9% | 1.9% |
| PENNYMAC LOAN SERVICES, LLC | $5,445,000 | $7,515,000 | 38.0% | 1.8% |
| LIMA ONE CAPITAL, LLC | $7,465,000 | n/a | 1.8% | |
| JPMorgan Chase Bank | $4,855,000 | $7,185,000 | 48.0% | 1.8% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $6,530,000 | $6,825,000 | 4.5% | 1.7% |
| GUILD MORTGAGE COMPANY | $6,630,000 | $6,530,000 | -1.5% | 1.6% |
| AMCAP MORTGAGE, LTD. | $4,255,000 | $5,595,000 | 31.5% | 1.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $2,545,000 | $5,075,000 | 99.4% | 1.2% |
| LENDINGONE, LLC | $4,775,000 | n/a | 1.2% | |
| SECURITY SERVICE | $4,445,000 | $4,745,000 | 6.7% | 1.2% |
| Farm Credit Mid-America, ACA | $4,335,000 | n/a | 1.1% | |
| Community First National Bank | $5,285,000 | $4,230,000 | -20.0% | 1.0% |
| Comerica Bank | $3,450,000 | $3,955,000 | 14.6% | 1.0% |
| 21ST MORTGAGE CORPORATION | $1,240,000 | $3,910,000 | 215.3% | 1.0% |
| Bank of America | $5,390,000 | $3,815,000 | -29.2% | 0.9% |
| Morgan Stanley Private Bank | $1,125,000 | $3,810,000 | 238.7% | 0.9% |
| GUARANTEED RATE, INC. | $1,315,000 | $3,665,000 | 178.7% | 0.9% |
| Mr. Cooper ( Nationstar Mortgage ) | $2,550,000 | $3,370,000 | 32.2% | 0.8% |
| Citizens Bank | $11,150,000 | $3,145,000 | -71.8% | 0.8% |
| PILGRIM MORTGAGE LLC | $6,010,000 | $3,030,000 | -49.6% | 0.7% |
| First United Bank and Trust Company | $2,910,000 | $2,890,000 | -0.7% | 0.7% |
| CMG MORTGAGE, INC. | $1,595,000 | $2,675,000 | 67.7% | 0.7% |
| AMERISAVE MORTGAGE CORPORATION | $890,000 | $2,450,000 | 175.3% | 0.6% |
| First Financial Bank | $315,000 | $2,420,000 | 668.3% | 0.6% |
| NEWREZ LLC | $2,275,000 | $2,240,000 | -1.5% | 0.6% |
| MOVEMENT MORTGAGE, LLC | $1,140,000 | $2,220,000 | 94.7% | 0.5% |
| U.S. Bank | $710,000 | $2,075,000 | 192.3% | 0.5% |
| FIRST CENTENNIAL MORTGAGE CORPORATION | $610,000 | $2,060,000 | 237.7% | 0.5% |
| Gateway First Bank | $1,990,000 | $2,025,000 | 1.8% | 0.5% |
| CORNERSTONE HOME LENDING, INC. | $23,780,000 | $1,970,000 | -91.7% | 0.5% |
| LAKEVIEW LOAN SERVICING, LLC | $1,345,000 | $1,765,000 | 31.2% | 0.4% |
| SENTE MORTGAGE, INC. | $390,000 | $1,720,000 | 341.0% | 0.4% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $265,000 | $1,690,000 | 537.7% | 0.4% |
| PENTAGON FEDERAL CREDIT UNION | $1,550,000 | $1,630,000 | 5.2% | 0.4% |
| ASPIRE FINANCIAL, INC. | $1,585,000 | n/a | 0.4% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $310,000 | $1,560,000 | 403.2% | 0.4% |
| LIBERTY HOME MORTGAGE CORPORATION | $750,000 | $1,555,000 | 107.3% | 0.4% |
| THRIVE MORTGAGE, LLC | $705,000 | $1,545,000 | 119.1% | 0.4% |
| Flagstar Bank, FSB | $1,500,000 | $1,540,000 | 2.7% | 0.4% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $640,000 | $1,505,000 | 135.2% | 0.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | $1,660,000 | $1,465,000 | -11.7% | 0.4% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,020,000 | $1,450,000 | 42.2% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $2,015,000 | $1,425,000 | -29.3% | 0.4% |
| SouthStar Bank, S.S.B. | $1,385,000 | n/a | 0.3% | |
| HOME POINT FINANCIAL CORPORATION | $1,690,000 | $1,260,000 | -25.4% | 0.3% |
| USAA Federal Savings Bank | $3,170,000 | $1,230,000 | -61.2% | 0.3% |
| City Bank | $690,000 | $1,195,000 | 73.2% | 0.3% |
| Zions Bancorporation, N.A. | $1,195,000 | n/a | 0.3% | |
| UBS Bank USA | $1,175,000 | n/a | 0.3% | |
| AmeriHome Mortgage Company, LLC | $1,160,000 | n/a | 0.3% | |
| CHURCHILL MORTGAGE CORPORATION | $290,000 | $1,155,000 | 298.3% | 0.3% |
| Regions Bank | $1,150,000 | n/a | 0.3% | |
| BETTER MORTGAGE CORPORATION | $700,000 | $1,120,000 | 60.0% | 0.3% |
| UNITED MORTGAGE CORP. | $580,000 | $1,105,000 | 90.5% | 0.3% |
| Northpointe Bank | $1,105,000 | $1,095,000 | -0.9% | 0.3% |
| BancorpSouth Bank | $380,000 | $1,045,000 | 175.0% | 0.3% |
| Frost Bank | $310,000 | $1,030,000 | 232.3% | 0.3% |
| BROKER SOLUTIONS, INC. | $740,000 | $1,025,000 | 38.5% | 0.3% |
| DIRECTIONS EQUITY, LLC | $520,000 | $1,025,000 | 97.1% | 0.3% |
| InterContinental Capital Group, Inc | $1,605,000 | $1,000,000 | -37.7% | 0.2% |
| KELLER MORTGAGE, LLC | $460,000 | $1,000,000 | 117.4% | 0.2% |
| S1L, Inc. | $985,000 | n/a | 0.2% | |
| Citibank | $960,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $620,000 | $955,000 | 54.0% | 0.2% |
| North American Savings Bank, F.S.B. | $1,045,000 | $950,000 | -9.1% | 0.2% |
| NEW DAY FINANCIAL, LLC | $495,000 | $940,000 | 89.9% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $125,000 | $930,000 | 644.0% | 0.2% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $800,000 | $910,000 | 13.8% | 0.2% |
| Colonial Savings, F.A. | $415,000 | $895,000 | 115.7% | 0.2% |
| Network Funding, L.P. | $1,090,000 | $885,000 | -18.8% | 0.2% |
| SUCCESS MORTGAGE PARTNERS, INC. | $885,000 | n/a | 0.2% | |
| NFM, INC. | $835,000 | n/a | 0.2% | |
| The First National Bank of Sonora | $830,000 | n/a | 0.2% | |
| Truist Bank | $605,000 | $825,000 | 36.4% | 0.2% |
| MORTGAGE FINANCIAL SERVICES, LLC | $305,000 | $800,000 | 162.3% | 0.2% |
| HANCOCK MORTGAGE PARTNERS, LLC | $760,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $390,000 | $740,000 | 89.7% | 0.2% |
| UNION HOME MORTGAGE CORP. | $960,000 | $740,000 | -22.9% | 0.2% |
| Prosperity Bank | $265,000 | $715,000 | 169.8% | 0.2% |
| BBVA USA | $1,120,000 | $710,000 | -36.6% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $465,000 | $690,000 | 48.4% | 0.2% |
| ML Mortgage Corp. | $685,000 | n/a | 0.2% | |
| SOUTHWEST STAGE FUNDING, LLC | $500,000 | $685,000 | 37.0% | 0.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $720,000 | $680,000 | -5.6% | 0.2% |
| Strong Home Mortgage, LLC | $680,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $500,000 | $655,000 | 31.0% | 0.2% |
| Austin Capital Bank SSB | $365,000 | $650,000 | 78.1% | 0.2% |
| NBKC BANK | $405,000 | $650,000 | 60.5% | 0.2% |
| VILLAGE CAPITAL & INVESTMENT LLC | $1,070,000 | $650,000 | -39.3% | 0.2% |
| Assurance Financial Group, L.L.C. | $645,000 | n/a | 0.2% | |
| TOWER | $645,000 | n/a | 0.2% | |
| First Bank | $620,000 | n/a | 0.2% | |
| LRS FINANCIAL NETWORK, INC. | $620,000 | n/a | 0.2% | |
| Texas Mortgage Lending, LLC | $700,000 | $620,000 | -11.4% | 0.2% |
| Wallick & Volk, Inc. | $235,000 | $615,000 | 161.7% | 0.2% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $610,000 | n/a | 0.1% | |
| Jefferson Bank | $1,490,000 | $600,000 | -59.7% | 0.1% |
| INTERLINC MORTGAGE SERVICES, LLC | $265,000 | $590,000 | 122.6% | 0.1% |
| DUGOOD FEDERAL CREDIT UNION | $585,000 | n/a | 0.1% | |
| UNIVERSITY Federal Credit Union | $510,000 | $580,000 | 13.7% | 0.1% |
| SOFI LENDING CORP. | $545,000 | n/a | 0.1% | |
| Affiliated Bank | $525,000 | n/a | 0.1% | |
| NTFN, INC. | $270,000 | $525,000 | 94.4% | 0.1% |
| LOANFLIGHT LENDING, LLC | $345,000 | $520,000 | 50.7% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $520,000 | n/a | 0.1% | |
| Cornerstone First Mortgage, Inc | $515,000 | n/a | 0.1% | |
| Nations Lending Corporation | $790,000 | $505,000 | -36.1% | 0.1% |
| PLANET HOME LENDING, LLC | $185,000 | $500,000 | 170.3% | 0.1% |
| FINANCE OF AMERICA MORTGAGE LLC | $385,000 | $495,000 | 28.6% | 0.1% |
| UNION SQUARE | $485,000 | n/a | 0.1% | |
| Independent Bank | $470,000 | n/a | 0.1% | |
| Central National Bank | $485,000 | $465,000 | -4.1% | 0.1% |
| ZILLOW HOME LOANS, LLC | $145,000 | $460,000 | 217.2% | 0.1% |
| First National Bank of Central Texas | $445,000 | n/a | 0.1% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $990,000 | $425,000 | -57.1% | 0.1% |
| Wyndham Capital Mortgage, Inc. | $830,000 | $425,000 | -48.8% | 0.1% |
| RB MORTGAGE LLC | $1,500,000 | $420,000 | -72.0% | 0.1% |
| ENVOY MORTGAGE, LTD | $410,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $395,000 | $410,000 | 3.8% | 0.1% |
| Hometown Lenders, Inc. | $385,000 | $405,000 | 5.2% | 0.1% |
| Prosperity Home Mortgage, LLC | $305,000 | $405,000 | 32.8% | 0.1% |
| Amerifirst Financial, Inc. | $175,000 | $400,000 | 128.6% | 0.1% |
| First Community Bank | $395,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $450,000 | $385,000 | -14.4% | 0.1% |
| FirstBank | $275,000 | $380,000 | 38.2% | 0.1% |
| SOUTHWEST FUNDING, LP | $380,000 | n/a | 0.1% | |
| Christensen Financial, Inc. | $375,000 | n/a | 0.1% | |
| DEEPHAVEN MORTGAGE LLC | $375,000 | n/a | 0.1% | |
| NAVY ARMY COMMUNITY CREDIT UNION | $375,000 | n/a | 0.1% | |
| United Fidelity Funding Corp. | $375,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $365,000 | n/a | 0.1% | |
| STEARNS LENDING, LLC | $175,000 | $355,000 | 102.9% | 0.1% |
| Lakeview Community Capital, LLC | $350,000 | n/a | 0.1% | |
| SFMC, LP | $345,000 | n/a | 0.1% | |
| SOVEREIGN LENDING GROUP INCORPORATED | $335,000 | n/a | 0.1% | |
| TEXAS TECH | $215,000 | $335,000 | 55.8% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $450,000 | $330,000 | -26.7% | 0.1% |
| 1ST PREFERENCE MORTGAGE CORP. | $325,000 | n/a | 0.1% | |
| ALL REVERSE MORTGAGE, INC. | $325,000 | n/a | 0.1% | |
| First Guaranty Mortgage Corporation | $240,000 | $325,000 | 35.4% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $925,000 | $325,000 | -64.9% | 0.1% |
| SYNERGY FEDERAL CREDIT UNION | $325,000 | n/a | 0.1% | |
| AMERICAN ADVISORS GROUP | $630,000 | $320,000 | -49.2% | 0.1% |
| EVERETT FINANCIAL, INC. | $510,000 | $320,000 | -37.3% | 0.1% |
| First National Bank | $315,000 | n/a | 0.1% | |
| Goldwater Bank, N.A. | $315,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $380,000 | $310,000 | -18.4% | 0.1% |
| COUNTRYPLACE MORTGAGE, LTD. | $615,000 | $310,000 | -49.6% | 0.1% |
| Carrington Mortgage Services, LLC | $650,000 | $305,000 | -53.1% | 0.1% |
| CHERRY CREEK MORTGAGE, LLC | $405,000 | $305,000 | -24.7% | 0.1% |
| GUARANTY HOME MORTGAGE CORPORATION | $135,000 | $305,000 | 125.9% | 0.1% |
| MICHIGAN MUTUAL, INC. | $305,000 | n/a | 0.1% | |
| UNIVERSITY LENDING GROUP, LLC | $305,000 | n/a | 0.1% | |
| SECURITYNATIONAL MORTGAGE COMPANY | $205,000 | $295,000 | 43.9% | 0.1% |
| FIRST COMMUNITY CREDIT UNION | $515,000 | $285,000 | -44.7% | 0.1% |
| Low VA Rates, LLC | $145,000 | $275,000 | 89.7% | 0.1% |
| NATIONS DIRECT MORTGAGE, LLC | $275,000 | n/a | 0.1% | |
| ANGEL OAK HOME LOANS LLC | $415,000 | $265,000 | -36.1% | 0.1% |
| DAS Acquisition Company, LLC | $255,000 | n/a | 0.1% | |
| LOANPAL, LLC | $250,000 | n/a | 0.1% | |
| Arvest Bank | $245,000 | n/a | 0.1% | |
| CIVIC FINANCIAL SERVICES, LLC | $245,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $165,000 | $240,000 | 45.5% | 0.1% |
| PNC Bank | $365,000 | $240,000 | -34.2% | 0.1% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $480,000 | $235,000 | -51.0% | 0.1% |
| Ally Bank | $345,000 | $225,000 | -34.8% | 0.1% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $225,000 | n/a | 0.1% | |
| Citizens National Bank of Texas | $225,000 | n/a | 0.1% | |
| SHELL FEDERAL CREDIT UNION | $225,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $135,000 | $220,000 | 63.0% | 0.1% |
| First Bank & Trust | $215,000 | n/a | 0.1% | |
| JSC | $445,000 | $215,000 | -51.7% | 0.1% |
| GENEVA FINANCIAL, LLC | $205,000 | n/a | 0.1% | |
| Loan Simple, Inc. | $205,000 | n/a | 0.1% | |
| Sunflower Bank | $205,000 | $205,000 | 0.0% | 0.1% |
| ACADEMY MORTGAGE CORPORATION | $425,000 | $200,000 | -52.9% | 0.0% |
| NAVY FEDERAL CREDIT UNION | $1,145,000 | $195,000 | -83.0% | 0.0% |
| Republic State Mortgage Co. | $195,000 | n/a | 0.0% | |
| REVERSE MORTGAGE FUNDING LLC | $195,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $515,000 | $185,000 | -64.1% | 0.0% |
| BOKF | $510,000 | $175,000 | -65.7% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $165,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $285,000 | $155,000 | -45.6% | 0.0% |
| Colten Mortgage, LLC | $275,000 | $155,000 | -43.6% | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | $155,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $1,075,000 | $145,000 | -86.5% | 0.0% |
| Farmers Bank & Trust Company | $145,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $285,000 | $135,000 | -52.6% | 0.0% |
| SUMMIT FUNDING, INC. | $135,000 | n/a | 0.0% | |
| RANLIFE, INC. | $125,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $1,130,000 | $115,000 | -89.8% | 0.0% |
| Discover Bank | $85,000 | n/a | 0.0% | |
| Lone Star National Bank | $75,000 | n/a | 0.0% | |
| FIRSTMARK | $55,000 | n/a | 0.0% | |
| United Texas Credit Union | $45,000 | n/a | 0.0% | |
| International Bank of Commerce | $95,000 | $35,000 | -63.2% | 0.0% |
Kerrville's top lender by overall market share is QUICKEN LOANS, LLC, with 8.6% market share. In second place, with 7.6%, is SWBC MORTGAGE CORPORATION, having originated $30,775,000 in loans. In third place, with 6.2%, is The Bank of San Antonio, having originated $25,030,000 in loans. In third place, with 3.3%, is Security State Bank & Trust, having originated $13,460,000 in loans. In third place, with 3.2%, is V.I.P. MORTGAGE, INC., having originated $13,095,000 in loans.
Kerrville, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 691 | $212,255,000 | $307,171 |
| Refi | 541 | $124,935,000 | $230,933 |
| Cash Out Refi | 242 | $56,720,000 | $234,380 |
| Home Improvement | 33 | $4,785,000 | $145,000 |
| Other | 26 | $5,380,000 | $206,923 |
| NA | 17 | $2,745,000 | $161,471 |
Kerrville's most frequently cited loan purpose was Home Purchase, with 691 originations. The 2nd most popular reason was Refi, with 541 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 531 | $145,745,000 | $274,473 |
| 3-4% | 474 | $119,460,000 | $252,025 |
| <2.5% | 245 | $60,095,000 | $245,286 |
| 4-5% | 48 | $10,140,000 | $211,250 |
| 5-6% | 24 | $3,110,000 | $129,583 |
| 6-7% | 20 | $14,530,000 | $726,500 |
| Over 8% | 14 | $1,530,000 | $109,286 |
| 7-8% | 6 | $690,000 | $115,000 |
During 2021, Kerrville's most frequently originated rate bucket was 2.5-3%, with 531 originations.
Loan Sizing (Kerrville, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 689 | $192,455,000 | $279,325 |
| $100k-200k | 507 | $77,425,000 | $152,712 |
| $400k-600k | 158 | $75,770,000 | $479,557 |
| $100,000 or less | 152 | $10,180,000 | $66,974 |
| $600k-1000k | 30 | $21,780,000 | $726,000 |
| $Over $1MM | 14 | $29,210,000 | $2,086,429 |
Kerrville's loan sizing saw the bucket of loans from $200k-400k with 689 originations, totaling $192,455,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 464 | $125,520,000 | $270,517 |
| 60-80% | 437 | $133,595,000 | $305,709 |
| 40-60% | 253 | $58,635,000 | $231,759 |
| 20-40% | 111 | $16,145,000 | $145,450 |
| Under 20% | 25 | $1,345,000 | $53,800 |
| Over 100% | 20 | $6,350,000 | $317,500 |
Kerrville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 464 originations, totaling $125,520,000 in origination value.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Kerrville (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 | $439,900 (10.3%) | $672,439 (8.6%) | 0.00 | 443 |
| 2018-02-01 | $427,250 (9.0%) | $670,493 (11.8%) | 0.00 | 432 |
| 2018-03-01 | $429,500 (10.2%) | $666,894 (12.1%) | 0.00 | 447 |
| 2018-04-01 | $429,450 (9.0%) | $644,828 (7.2%) | 0.00 | 462 |
| 2018-05-01 | $447,000 (12.8%) | $642,940 (4.6%) | 0.00 | 457 |
| 2018-06-01 | $459,900 (15.3%) | $647,830 (4.1%) | 0.00 | 496 |
| 2018-07-01 | $462,450 (16.0%) | $643,974 (2.2%) | 0.00 | 529 |
| 2018-08-01 | $452,450 (1.7%) | $637,588 (-2.2%) | 0.00 | 535 |
| 2018-09-01 | $450,000 (-3.2%) | $653,220 (-0.7%) | 0.00 | 522 |
| 2018-10-01 | $465,000 (-3.3%) | $677,790 (0.4%) | 0.00 | 488 |
| 2018-11-01 | $457,450 (-1.1%) | $665,767 (0.0%) | 0.00 | 459 |
| 2018-12-01 | $450,000 (0.0%) | $646,160 (-5.0%) | 0.00 | 450 |
| 2019-01-01 | $467,000 (6.2%) | $656,987 (-2.3%) | 0.00 | 396 |
| 2019-02-01 | $479,500 (12.2%) | $674,306 (0.6%) | 0.00 | 401 |
| 2019-03-01 | $483,571 (12.6%) | $693,034 (3.9%) | 0.00 | 401 |
| 2019-04-01 | $486,021 (13.2%) | $697,387 (8.2%) | 0.00 | 411 |
| 2019-05-01 | $484,250 (8.3%) | $905,162 (40.8%) | 0.00 | 441 |
| 2019-06-01 | $479,500 (4.3%) | $956,889 (47.7%) | 0.00 | 470 |
| 2019-07-01 | $449,500 (-2.8%) | $897,421 (39.4%) | 0.00 | 489 |
| 2019-08-01 | $453,671 (0.3%) | $895,337 (40.4%) | 0.00 | 492 |
| 2019-09-01 | $467,450 (3.9%) | $887,311 (35.8%) | 0.00 | 475 |
| 2019-10-01 | $478,000 (2.8%) | $882,716 (30.2%) | 0.00 | 448 |
| 2019-11-01 | $495,000 (8.2%) | $868,382 (30.4%) | 0.00 | 434 |
| 2019-12-01 | $499,450 (11.0%) | $884,528 (36.9%) | 0.00 | 400 |
| 2020-01-01 | $490,000 (4.9%) | $766,403 (16.7%) | 0.00 | 365 |
| 2020-02-01 | $469,999 (-2.0%) | $721,718 (7.0%) | 0.00 | 369 |
| 2020-03-01 | $469,900 (-2.8%) | $734,047 (5.9%) | 0.00 | 375 |
| 2020-04-01 | $475,000 (-2.3%) | $791,424 (13.5%) | 0.00 | 377 |
| 2020-05-01 | $485,000 (0.2%) | $847,906 (-6.3%) | 0.00 | 386 |
| 2020-06-01 | $489,950 (2.2%) | $842,919 (-11.9%) | 0.00 | 399 |
| 2020-07-01 | $479,450 (6.7%) | $819,684 (-8.7%) | 0.00 | 394 |
| 2020-08-01 | $515,000 (13.5%) | $867,138 (-3.2%) | 0.00 | 352 |
| 2020-09-01 | $527,000 (12.7%) | $893,864 (0.7%) | 0.00 | 339 |
| 2020-10-01 | $489,500 (2.4%) | $874,591 (-0.9%) | 0.00 | 331 |
| 2020-11-01 | $474,450 (-4.2%) | $828,752 (-4.6%) | 0.00 | 307 |
| 2020-12-01 | $504,500 (1.0%) | $851,711 (-3.7%) | 0.00 | 273 |
| 2021-01-01 | $500,000 (2.0%) | $961,901 (25.5%) | 0.00 | 233 |
| 2021-02-01 | $488,750 (4.0%) | $1,023,035 (41.8%) | 0.00 | 207 |
| 2021-03-01 | $502,250 (6.9%) | $1,018,356 (38.7%) | 0.00 | 193 |
| 2021-04-01 | $542,000 (14.1%) | $1,030,936 (30.3%) | 0.00 | 177 |
| 2021-05-01 | $575,000 (18.6%) | $1,056,009 (24.5%) | 0.00 | 173 |
| 2021-06-01 | $505,500 (3.2%) | $983,202 (16.6%) | 0.00 | 172 |
| 2021-07-01 | $495,000 (3.2%) | $933,890 (13.9%) | 0.00 | 206 |
| 2021-08-01 | $494,900 (-3.9%) | $933,096 (7.6%) | 0.00 | 221 |
| 2021-09-01 | $536,450 (1.8%) | $934,350 (4.5%) | 0.00 | 217 |
| 2021-10-01 | $529,000 (8.1%) | $945,493 (8.1%) | 0.00 | 208 |
| 2021-11-01 | $624,950 (31.7%) | $1,056,092 (27.4%) | 0.00 | 209 |
| 2021-12-01 | $619,500 (22.8%) | $994,401 (16.8%) | 0.00 | 193 |
| 2022-01-01 | $625,000 (25.0%) | $1,048,018 (9.0%) | 0.00 | 182 |
| 2022-02-01 | $579,900 (18.7%) | $1,064,992 (4.1%) | 0.00 | 156 |
| 2022-03-01 | $552,450 (10.0%) | $1,082,027 (6.3%) | 0.00 | 163 |
| 2022-04-01 | $599,500 (10.6%) | $1,090,977 (5.8%) | 0.00 | 180 |
| 2022-05-01 | $570,000 (-0.9%) | $1,030,012 (-2.5%) | 0.00 | 184 |
Kerrville's median listing price comes in at 0% of the national average.
Kerrville's average listing price for 2022-05-01 was $1,030,012, a difference of $-25,997 (-2.5%) versus the prior year and $-60,965 versus the prior month.
For the 2022-05-01 period, Kerrville had 184 MLS listings, a difference of 4 listings (2%) versus the prior month and 11 listings (6%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Kerrville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,714 sqft |
| 2018-02-01 | 0 days | 2,590 sqft |
| 2018-03-01 | 0 days | 2,572 sqft |
| 2018-04-01 | 0 days | 2,666 sqft |
| 2018-05-01 | 0 days | 2,711 sqft |
| 2018-06-01 | 0 days | 2,784 sqft |
| 2018-07-01 | 0 days | 2,803 sqft |
| 2018-08-01 | 0 days | 2,781 sqft |
| 2018-09-01 | 0 days | 2,752 sqft |
| 2018-10-01 | 0 days | 2,771 sqft |
| 2018-11-01 | 0 days | 2,714 sqft |
| 2018-12-01 | 0 days | 2,624 sqft |
| 2019-01-01 | 0 days | 2,692 sqft |
| 2019-02-01 | 0 days | 2,744 sqft |
| 2019-03-01 | 0 days | 2,824 sqft |
| 2019-04-01 | 0 days | 2,860 sqft |
| 2019-05-01 | 0 days | 2,739 sqft |
| 2019-06-01 | 0 days | 2,721 sqft |
| 2019-07-01 | 0 days | 2,594 sqft |
| 2019-08-01 | 0 days | 2,618 sqft |
| 2019-09-01 | 0 days | 2,638 sqft |
| 2019-10-01 | 0 days | 2,656 sqft |
| 2019-11-01 | 0 days | 2,706 sqft |
| 2019-12-01 | 0 days | 2,800 sqft |
| 2020-01-01 | 0 days | 2,780 sqft |
| 2020-02-01 | 0 days | 2,688 sqft |
| 2020-03-01 | 0 days | 2,679 sqft |
| 2020-04-01 | 0 days | 2,683 sqft |
| 2020-05-01 | 0 days | 2,680 sqft |
| 2020-06-01 | 0 days | 2,655 sqft |
| 2020-07-01 | 0 days | 2,632 sqft |
| 2020-08-01 | 0 days | 2,680 sqft |
| 2020-09-01 | 0 days | 2,618 sqft |
| 2020-10-01 | 0 days | 2,504 sqft |
| 2020-11-01 | 0 days | 2,502 sqft |
| 2020-12-01 | 0 days | 2,559 sqft |
| 2021-01-01 | 0 days | 2,502 sqft |
| 2021-02-01 | 0 days | 2,501 sqft |
| 2021-03-01 | 0 days | 2,431 sqft |
| 2021-04-01 | 0 days | 2,491 sqft |
| 2021-05-01 | 0 days | 2,401 sqft |
| 2021-06-01 | 0 days | 2,281 sqft |
| 2021-07-01 | 0 days | 2,126 sqft |
| 2021-08-01 | 0 days | 2,194 sqft |
| 2021-09-01 | 0 days | 2,274 sqft |
| 2021-10-01 | 0 days | 2,268 sqft |
| 2021-11-01 | 0 days | 2,359 sqft |
| 2021-12-01 | 0 days | 2,268 sqft |
| 2022-01-01 | 0 days | 2,398 sqft |
| 2022-02-01 | 0 days | 2,540 sqft |
| 2022-03-01 | 0 days | 2,482 sqft |
| 2022-04-01 | 0 days | 2,519 sqft |
| 2022-05-01 | 0 days | 2,388 sqft |
Kerrville's median square footage for active listings during the 2022-05-01 period was 2,388 sqft. One year prior, the average listing was 2,401 sqft.
