Kerrville Mortgage Rates

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

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%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Kerrville, TX.

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.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
QUICKEN LOANS, LLC 82 3.21% $5,522
SWBC MORTGAGE CORPORATION 68 3.22% $4,598
Wells Fargo Bank 23 3.07% $4,364
Happy State Bank 21 3.20% $4,032
LOANDEPOT.COM, LLC 20 3.10% $6,941
CALIBER HOME LOANS, INC. 18 3.08% $6,084
GUILD MORTGAGE COMPANY 17 3.18% $6,331
UNITED WHOLESALE MORTGAGE, LLC 15 3.03% $5,113
RANDOLPH-BROOKS 15 3.26% $3,290
V.I.P. MORTGAGE, INC. 14 3.33% $5,677
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 12 3.11% $5,587
AMCAP MORTGAGE, LTD. 12 3.11% $6,425
JPMorgan Chase Bank 11 3.06% $6,432
SECURITY SERVICE 10 3.14% $5,273
MOVEMENT MORTGAGE, LLC 10 3.36% $5,092
Citizens Bank 9 2.81% $6,179
Comerica Bank 8 3.06% $3,527
Bank of America 8 2.70% $3,793
Community First National Bank 8 2.95% $4,507
AMERISAVE MORTGAGE CORPORATION 7 2.95% $5,458
Morgan Stanley Private Bank 6 2.63% $7,011
First United Bank and Trust Company 6 3.02% $5,200
SENTE MORTGAGE, INC. 6 3.18% $6,934
PENNYMAC LOAN SERVICES, LLC 6 3.17% $6,828
GUARANTEED RATE, INC. 5 3.27% $4,299
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 5 3.33% $4,784
NEWREZ LLC 5 3.30% $3,852
CMG MORTGAGE, INC. 5 3.02% $5,849
PILGRIM MORTGAGE LLC 5 3.17% $6,131
THRIVE MORTGAGE, LLC 4 3.41% $4,659
Mr. Cooper ( Nationstar Mortgage ) 4 3.19% $5,841
PLAZA HOME MORTGAGE, INC. 4 3.69% $6,395
PRIMELENDING, A PLAINSCAPITAL COMPANY 4 3.31% $7,454
WILLOW BEND MORTGAGE COMPANY, LLC 4 3.19% $5,718
CHURCHILL MORTGAGE CORPORATION 4 3.12% $4,859
CORNERSTONE HOME LENDING, INC. 4 3.09% $6,029
BancorpSouth Bank 3 3.00% $5,434
DIRECTIONS EQUITY, LLC 3 3.54% $6,915
MORTGAGE FINANCIAL SERVICES, LLC 3 3.42% $6,375
AmeriHome Mortgage Company, LLC 3 3.08% $4,909
First Financial Bank 3 2.96% $5,273
Farm Credit Mid-America, ACA 3 3.62% $13,825
Nations Lending Corporation 3 3.00% $8,786
PROVIDENT FUNDING ASSOCIATES, L.P. 3 2.83% $3,372
AMERICAN FINANCING CORPORATION 3 2.79% $5,485
ASPIRE FINANCIAL, INC. 3 3.00% $6,500
U.S. Bank 3 3.00% $11,529
LIBERTY HOME MORTGAGE CORPORATION 3 3.71% $6,518
BROKER SOLUTIONS, INC. 3 3.24% $3,633
ROYAL UNITED MORTGAGE LLC 3 3.83% $7,747
City Bank 3 2.96% $6,457
BETTER MORTGAGE CORPORATION 2 2.63% $6,405
Flagstar Bank, FSB 2 3.44% $5,965
Northpointe Bank 2 3.06% $5,339
NTFN, INC. 2 3.25% $4,877
FREEDOM MORTGAGE CORPORATION 2 3.19% $5,030
PLANET HOME LENDING, LLC 2 3.00% $4,320
Gateway First Bank 2 3.19% $3,550
GUARANTEED RATE AFFINITY, LLC 2 3.62% $4,981
HANCOCK MORTGAGE PARTNERS, LLC 2 3.38% $8,177
RB MORTGAGE LLC 2 3.00% $4,639
CROSSCOUNTRY MORTGAGE, LLC 2 2.99% $5,029
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 3.38% $4,837
S1L, Inc. 2 3.18% $4,179
HOMESIDE FINANCIAL, LLC 2 3.00% $4,950
ENVOY MORTGAGE, LTD 2 3.94% $4,483
EVERETT FINANCIAL, INC. 2 3.18% $1,962
SOUTHWEST FUNDING, LP 2 3.44% $7,599
Strong Home Mortgage, LLC 2 3.00% $3,572
SUCCESS MORTGAGE PARTNERS, INC. 2 3.25% $5,178
INTERLINC MORTGAGE SERVICES, LLC 2 3.56% $6,554
Assurance Financial Group, L.L.C. 2 3.00% $3,815
Truist Bank 2 2.75% $3,915
KELLER MORTGAGE, LLC 2 3.06% $4,426
FINANCE OF AMERICA MORTGAGE LLC 2 2.88% $2,739
UNITED MORTGAGE CORP. 2 3.13% $7,443
UNIVERSITY Federal Credit Union 2 2.69% $4,549
FIRST CENTENNIAL MORTGAGE CORPORATION 2 3.38% $3,550
Wyndham Capital Mortgage, Inc. 1 2.88% $3,835
BBVA USA 1 2.88% $6,925
BOKF 1 3.00% $3,294
CANOPY MORTGAGE, LLC 1 2.75% $5,569
Carrington Mortgage Services, LLC 1 2.88% $2,961
CHERRY CREEK MORTGAGE, LLC 1 3.25% $1,538
Christensen Financial, Inc. 1 2.75% $5,517
Citibank 1 2.88% $7,499
Austin Capital Bank SSB 1 3.13% $7,028
Colonial Savings, F.A. 1 3.25% $7,431
1ST PREFERENCE MORTGAGE CORP. 1 2.75% $8,961
ZILLOW HOME LOANS, LLC 1 2.88% $6,113
COUNTRYPLACE MORTGAGE, LTD. 1 3.63% $11,427
DEEPHAVEN MORTGAGE LLC 1 3.50% $16,432
FBC MORTGAGE, LLC 1 2.99% $3,932
First Bank 1 6.00% $7,710
First Bank & Trust 1 3.00% $2,844
FIRST COMMUNITY CREDIT UNION 1 2.88% $7,261
First Guaranty Mortgage Corporation 1 2.88% $4,609
First National Bank 1 4.13% $3,768
Arvest Bank 1 3.38% $4,694
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 2.75% $4,063
HOME POINT FINANCIAL CORPORATION 1 2.75% $2,657
Independent Bank 1 2.75% $6,264
InterContinental Capital Group, Inc 1 3.38% $5,080
Jefferson Bank 1 4.38% $4,342
ANGEL OAK HOME LOANS LLC 1 6.88% $5,422
LAKEVIEW LOAN SERVICING, LLC 1 3.63% $3,093
LENOX FINANCIAL MORTGAGE CORPORATION 1 3.25% $3,355
LOANFLIGHT LENDING, LLC 1 2.88% $1,788
LOANPAL, LLC 1 2.63% $4,902
LRS FINANCIAL NETWORK, INC. 1 2.75% $5,263
MID AMERICA MORTGAGE, INC. 1 2.75% $1,481
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.00% $4,862
NBKC BANK 1 2.88% $5,438
Network Funding, L.P. 1 3.50% $5,276
NFM, INC. 1 3.25% $13,468
North American Savings Bank, F.S.B. 1 2.63% $3,735
PENTAGON FEDERAL CREDIT UNION 1 2.88% $3,858
PNC Bank 1 2.88% $3,657
Prosperity Bank 1 2.63% $3,689
Amerifirst Financial, Inc. 1 3.25% $8,077
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.25% $5,132
RANLIFE, INC. 1 2.88% $3,695
Regions Bank 1 3.13% $6,169
Republic State Mortgage Co. 1 3.13% $4,786
SECURITYNATIONAL MORTGAGE COMPANY 1 3.25% $8,678
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 2.75% $2,449
SFMC, LP 1 3.63% $13,545
SHELL FEDERAL CREDIT UNION 1 3.00% $4,461
SOFI LENDING CORP. 1 3.38% $5,307
AMERICAN INTERNET MORTGAGE, INC. 1 2.88% $3,386
Texas Mortgage Lending, LLC 1 3.25% $4,040
TOWER 1 2.88% $8,957
UBS Bank USA 1 2.63% $4,950
UNION HOME MORTGAGE CORP. 1 2.63% $5,883
UNION SQUARE 1 2.75% $4,037
Ally Bank 1 3.38% $1,631
Wallick & Volk, Inc. 1 3.38% $3,793
Affiliated Bank 1 3.25% $5,196

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 for 2022-05-01 was $570,000, a difference of $-5,000 (-0.9%) versus the prior year and $-29,500 versus the prior month.

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 listing age (time on market) for 2022-05-01 was 0 days.

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.