Kerrville Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Kerrville averaged 6.54% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.53% and one month ago for the week of 2024-11-07, the average rate was 6.63%.

    Kerrville's average rate one year ago was 7.07%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.5%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Kerrville 30 Year Fixed Rate 2024-12-12 6.54%
    Kerrville 30 Year Fixed Rate Refi 2024-12-12 6.5%
    Kerrville 15 Year Fixed Rate 2024-12-12 6.04%
    Kerrville 15 Year Fixed Rate Refi 2024-12-12 6.34%
    Kerrville 30 Year FHA 2024-12-12 6.23%
    Kerrville 30 Year FHA Refi 2024-12-12 6.48%
    Kerrville 30 Year USDA 2024-12-12 6.2%
    Kerrville 30 Year USDA Refi 2024-12-12 6.1%
    Kerrville 30 Year VA 2024-12-12 6.08%
    Kerrville 30 Year VA Refi 2024-12-12 5.98%
    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 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.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 31 7.34% $7,032
    SWBC MORTGAGE CORPORATION 20 7.19% $4,842
    GARDNER FINANCIAL SERVICES, LTD. 17 6.69% $9,812
    Centennial Bank 13 6.46% $5,829
    PILGRIM MORTGAGE LLC 12 6.44% $8,348
    Security State Bank & Trust 12 6.91% $5,121
    RANDOLPH-BROOKS 11 7.17% $2,871
    UNITED WHOLESALE MORTGAGE, LLC 10 6.84% $10,082
    GUILD MORTGAGE COMPANY 9 7.22% $7,522
    NEWREZ LLC 7 7.34% $7,649
    Wells Fargo Bank 7 7.07% $4,256
    SECURITY SERVICE 7 6.36% $3,867
    JPMorgan Chase Bank 6 6.56% $7,027
    First United Bank and Trust Company 5 7.18% $7,787
    V.I.P. MORTGAGE, INC. 5 6.67% $8,914
    Citizens Bank 4 7.00% $10,622
    CORNERSTONE HOME LENDING, INC. 4 6.00% $10,442
    USAA Federal Savings Bank 3 6.46% $5,836
    LOANDEPOT.COM, LLC 3 6.50% $9,744
    NAVY FEDERAL CREDIT UNION 3 7.08% $4,379
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.43% $14,152
    Jefferson Bank 2 5.75% $9,568
    RB MORTGAGE LLC 2 7.38% $4,134
    CHURCHILL MORTGAGE CORPORATION 2 6.81% $9,501
    EAGLE HOME MORTGAGE, LLC 2 4.75% $3,704
    Simmons Bank 2 6.50% $12,932
    MOVEMENT MORTGAGE, LLC 2 6.44% $6,597
    NexBank 2 7.44% $12,405
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.06% $5,499
    Farm Credit Mid-America, ACA 2 7.50% $10,706
    PLAZA HOME MORTGAGE, INC. 2 5.88% $6,673
    Ameris Bank 2 7.13% $5,898
    PENNYMAC LOAN SERVICES, LLC 1 6.38% $3,868
    PENTAGON FEDERAL CREDIT UNION 1 6.50% $4,794
    PLANET HOME LENDING, LLC 1 6.13% $3,345
    Prosperity Bank 1 5.13% $4,866
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.75% $3,178
    Raymond James Bank 1 6.13% $5,592
    Regions Bank 1 5.75% $10,033
    RELIANCE FIRST CAPITAL, LLC 1 5.99% $14,147
    ROYAL UNITED MORTGAGE LLC 1 6.88% $5,745
    RUOFF MORTGAGE COMPANY, INC. 1 6.25% $8,233
    S1L, Inc. 1 5.99% $6,845
    SECURITYNATIONAL MORTGAGE COMPANY 1 6.99% $10,714
    SHELL FEDERAL CREDIT UNION 1 6.63% $8,645
    SUMMIT FUNDING, INC. 1 6.99% $10,092
    T2 FINANCIAL LLC 1 6.13% $15,283
    TEXAS DOW EMPLOYEES CREDIT UNION 1 7.88% $9,253
    Texas Health Credit Union 1 6.75% $95
    The American National Bank of Texas 1 7.13% $9,259
    THRIVE MORTGAGE, LLC 1 6.63% $7,213
    Truist 1 7.10% $5,169
    UBS Bank USA 1 5.75% $4,823
    U.S. Bank 1 7.99% $5,030
    VeraBank 1 7.38% $5,491
    AMERICAN FINANCIAL NETWORK, INC. 1 6.50% $7,782
    Zions Bank 1 4.38% $20,811
    AMERICAN FINANCING CORPORATION 1 5.99% $9,905
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.50% $10,579
    AMERISAVE MORTGAGE CORPORATION 1 7.25% $8,878
    ANGEL OAK MORTGAGE SOLUTIONS LLC 1 8.75% $13,734
    BancorpSouth 1 6.00% $6,861
    Bank of America 1 5.75% $7,206
    Bank of England 1 6.50% $4,933
    BROKER SOLUTIONS, INC. 1 7.13% $8,294
    CANOPY MORTGAGE, LLC 1 6.50% $7,334
    Charles Schwab Bank, SSB 1 5.73% $5,724
    Comerica Bank 1 7.25% $5,059
    CommunityBank of Texas, N.A. 1 6.13% $18,077
    DEEPHAVEN MORTGAGE LLC 1 7.50% $16,707
    Discover Bank 1 6.49% $0
    EVERETT FINANCIAL, INC. 1 5.99% $9,851
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 7.00% $8,712
    FIRST COMMUNITY MORTGAGE, INC. 1 6.50% $8,020
    FREEDOM MORTGAGE CORPORATION 1 7.63% $6,416
    Gateway First Bank 1 7.00% $1,339
    GREATER TEXAS FEDERAL CREDIT UNION 1 6.38% $6,125
    Great Plains National Bank 1 6.38% $4,163
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.50% $9,589
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 7.00% $8,860
    HSBC BANK USA, NATIONAL ASSOCIATION 1 5.65% $7,173
    JSC 1 6.25% $4,112
    LOANPEOPLE, LLC 1 6.38% $6,214
    Loan Simple, Inc. 1 7.63% $7,096
    LONE STAR 1 5.13% $5,028
    MEMBER HOME LOAN, L.L.C. 1 6.88% $6,255
    MICHIGAN MUTUAL, INC. 1 6.50% $7,864
    Mr. Cooper ( Nationstar Mortgage ) 1 6.99% $18,586

    Kerrville Average Closing Costs & Other Stats

    Kerrville, TX's 88 lenders originated 643 loans during 2023. The total origination value was $182,555,000, with an average loan value of $283,911.

    Kerrville's average closing costs are $5,982.

    The top Kerrville lender as defined by loan originations is QUICKEN LOANS, LLC, with 31 loans originated. Their average total fees are $7,032, which is $2,191 higher than the next largest lender, SWBC MORTGAGE CORPORATION.

    The lowest fee Kerrville lenders (with over 10 loans originated) are RANDOLPH-BROOKS ($2,871), SWBC MORTGAGE CORPORATION ($4,842), Security State Bank & Trust ($5,121), Centennial Bank ($5,829) and QUICKEN LOANS, LLC ($7,032).

    The lowest rate Kerrville lenders (with over 10 loans originated) are PILGRIM MORTGAGE LLC (6.44%), Centennial Bank (6.46%), GARDNER FINANCIAL SERVICES, LTD. (6.69%), UNITED WHOLESALE MORTGAGE, LLC (6.84%) and Security State Bank & Trust (6.91%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    SWBC MORTGAGE CORPORATION $16,765,000 $11,105,000 -33.8% 6.1%
    Security State Bank & Trust $20,090,000 $9,360,000 -53.4% 5.1%
    QUICKEN LOANS, LLC $17,830,000 $8,675,000 -51.3% 4.8%
    RANDOLPH-BROOKS $11,955,000 $8,510,000 -28.8% 4.7%
    Broadway National Bank $19,725,000 $7,925,000 -59.8% 4.3%
    V.I.P. MORTGAGE, INC. $7,610,000 $7,085,000 -6.9% 3.9%
    PILGRIM MORTGAGE LLC $3,955,000 $6,295,000 59.2% 3.4%
    GARDNER FINANCIAL SERVICES, LTD. $6,235,000 n/a 3.4%
    City Bank $235,000 $6,055,000 2,476.6% 3.3%
    BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $5,475,000 n/a 3.0%
    Centennial Bank $13,120,000 $5,080,000 -61.3% 2.8%
    UNITED WHOLESALE MORTGAGE, LLC $6,810,000 $4,440,000 -34.8% 2.4%
    The Bank & Trust $3,280,000 $3,965,000 20.9% 2.2%
    JPMorgan Chase Bank $4,665,000 $3,235,000 -30.7% 1.8%
    NEWREZ LLC $2,260,000 $3,025,000 33.8% 1.7%
    GUILD MORTGAGE COMPANY $6,355,000 $2,970,000 -53.3% 1.6%
    SECURITY SERVICE $4,985,000 $2,725,000 -45.3% 1.5%
    SouthStar Bank, S.S.B. $3,075,000 $2,690,000 -12.5% 1.5%
    CORNERSTONE HOME LENDING, INC. $775,000 $2,380,000 207.1% 1.3%
    21ST MORTGAGE CORPORATION $4,410,000 $2,115,000 -52.0% 1.2%
    Mortgage Research Center, LLC $4,745,000 $2,105,000 -55.6% 1.2%
    PLAZA HOME MORTGAGE, INC. $1,370,000 $1,845,000 34.7% 1.0%
    USAA Federal Savings Bank $1,130,000 $1,790,000 58.4% 1.0%
    CommunityBank of Texas, N.A. $1,655,000 n/a 0.9%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,885,000 $1,620,000 -14.1% 0.9%
    First United Bank and Trust Company $7,390,000 $1,575,000 -78.7% 0.9%
    Citizens Bank $1,065,000 $1,570,000 47.4% 0.9%
    Comerica Bank $5,265,000 $1,440,000 -72.6% 0.8%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $850,000 $1,420,000 67.1% 0.8%
    CMG MORTGAGE, INC. $435,000 $1,390,000 219.5% 0.8%
    PENNYMAC LOAN SERVICES, LLC $1,980,000 $1,365,000 -31.1% 0.7%
    DIRECTIONS EQUITY, LLC $1,350,000 n/a 0.7%
    Wells Fargo Bank $3,265,000 $1,310,000 -59.9% 0.7%
    EAGLE HOME MORTGAGE, LLC $1,295,000 n/a 0.7%
    AMERICAN PACIFIC MORTGAGE CORPORATION $2,225,000 $1,270,000 -42.9% 0.7%
    TOLLESON PRIVATE BANK $1,255,000 n/a 0.7%
    NAVY FEDERAL CREDIT UNION $2,785,000 $1,190,000 -57.3% 0.7%
    Simmons Bank $1,180,000 n/a 0.6%
    FirstBank Southwest $1,140,000 n/a 0.6%
    Plains Commerce Bank $1,060,000 n/a 0.6%
    LOANDEPOT.COM, LLC $2,165,000 $1,040,000 -52.0% 0.6%
    TRIAD FINANCIAL SERVICES, INC. $55,000 $1,025,000 1,763.6% 0.6%
    Farm Credit Mid-America, ACA $1,020,000 n/a 0.6%
    CREDIT HUMAN FEDERAL CREDIT UNION $670,000 $1,010,000 50.7% 0.6%
    Bank of America $4,345,000 $960,000 -77.9% 0.5%
    Jefferson Bank $1,030,000 $940,000 -8.7% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $1,100,000 $910,000 -17.3% 0.5%
    Raymond James Bank $265,000 $905,000 241.5% 0.5%
    PLANET HOME LENDING, LLC $900,000 n/a 0.5%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $145,000 $860,000 493.1% 0.5%
    Prosperity Bank $3,955,000 $860,000 -78.3% 0.5%
    Flagstar Bank, FSB $2,490,000 $845,000 -66.1% 0.5%
    NexBank $510,000 $760,000 49.0% 0.4%
    The Bank of San Antonio $3,030,000 $725,000 -76.1% 0.4%
    Herring Bank $675,000 n/a 0.4%
    HSBC BANK USA, NATIONAL ASSOCIATION $675,000 n/a 0.4%
    AMERICAN FINANCIAL NETWORK, INC. $640,000 n/a 0.4%
    Zions Bank $1,310,000 $605,000 -53.8% 0.3%
    The Central Trust Bank $335,000 $585,000 74.6% 0.3%
    CALCON MUTUAL MORTGAGE LLC $580,000 n/a 0.3%
    ROYAL UNITED MORTGAGE LLC $180,000 $580,000 222.2% 0.3%
    Charles Schwab Bank, SSB $575,000 n/a 0.3%
    CHURCHILL MORTGAGE CORPORATION $850,000 $560,000 -34.1% 0.3%
    Gateway First Bank $1,520,000 $550,000 -63.8% 0.3%
    Truist $1,055,000 $550,000 -47.9% 0.3%
    The Bank of Holly Springs $545,000 n/a 0.3%
    Discover Bank $290,000 $505,000 74.1% 0.3%
    The Federal Savings Bank $495,000 n/a 0.3%
    Regions Bank $485,000 n/a 0.3%
    The American National Bank of Texas $465,000 n/a 0.3%
    T2 FINANCIAL LLC $445,000 n/a 0.2%
    Ameris Bank $440,000 n/a 0.2%
    LOANPEOPLE, LLC $1,010,000 $440,000 -56.4% 0.2%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $435,000 n/a 0.2%
    MOVEMENT MORTGAGE, LLC $305,000 $430,000 41.0% 0.2%
    RB MORTGAGE LLC $285,000 $430,000 50.9% 0.2%
    FIRST CENTENNIAL MORTGAGE CORPORATION $1,105,000 $405,000 -63.3% 0.2%
    SHELL FEDERAL CREDIT UNION $405,000 n/a 0.2%
    TEXAS DOW EMPLOYEES CREDIT UNION $215,000 $405,000 88.4% 0.2%
    Vantage Bank Texas $3,220,000 $385,000 -88.0% 0.2%
    Bank of England $375,000 n/a 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $665,000 $375,000 -43.6% 0.2%
    FREEDOM MORTGAGE CORPORATION $645,000 $370,000 -42.6% 0.2%
    GUARANTEED RATE, INC. $935,000 $360,000 -61.5% 0.2%
    DEEPHAVEN MORTGAGE LLC $185,000 $345,000 86.5% 0.2%
    Paramount Residential Mortgage Group, Inc. $440,000 $345,000 -21.6% 0.2%
    PROVIDENT FUNDING ASSOCIATES, L.P. $345,000 n/a 0.2%
    DRAPER AND KRAMER MORTGAGE CORP. $335,000 n/a 0.2%
    SECURITYNATIONAL MORTGAGE COMPANY $815,000 $325,000 -60.1% 0.2%
    AMCAP MORTGAGE, LTD. $4,435,000 $315,000 -92.9% 0.2%
    PENTAGON FEDERAL CREDIT UNION $1,460,000 $315,000 -78.4% 0.2%
    RELIANCE FIRST CAPITAL, LLC $315,000 n/a 0.2%
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION $310,000 n/a 0.2%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $555,000 $305,000 -45.0% 0.2%
    CROSSCOUNTRY MORTGAGE, LLC $1,035,000 $305,000 -70.5% 0.2%
    Loan Simple, Inc. $275,000 $305,000 10.9% 0.2%
    SOUTHWEST STAGE FUNDING, LLC $105,000 $300,000 185.7% 0.2%
    GREATER TEXAS FEDERAL CREDIT UNION $295,000 n/a 0.2%
    Greenbox Loans, Inc. $295,000 n/a 0.2%
    Equity Prime Mortgage LLC $285,000 n/a 0.2%
    BROKER SOLUTIONS, INC. $1,540,000 $275,000 -82.1% 0.2%
    CANOPY MORTGAGE, LLC $275,000 n/a 0.2%
    DUGOOD FEDERAL CREDIT UNION $275,000 n/a 0.2%
    UBS Bank USA $355,000 $275,000 -22.5% 0.2%
    West Texas National Bank $275,000 n/a 0.2%
    FIRST COMMUNITY MORTGAGE, INC. $105,000 $265,000 152.4% 0.1%
    SUMMIT FUNDING, INC. $265,000 n/a 0.1%
    Texas Heritage Bank $265,000 n/a 0.1%
    U.S. Bank $3,760,000 $265,000 -93.0% 0.1%
    AMERISAVE MORTGAGE CORPORATION $1,435,000 $255,000 -82.2% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $650,000 $255,000 -60.8% 0.1%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $635,000 $255,000 -59.8% 0.1%
    JSC $255,000 n/a 0.1%
    LONGBRIDGE FINANCIAL, LLC $255,000 n/a 0.1%
    Nations Lending Corporation $155,000 $255,000 64.5% 0.1%
    CSL Financial, LLC $270,000 $250,000 -7.4% 0.1%
    MICHIGAN MUTUAL, INC. $245,000 n/a 0.1%
    VeraBank $285,000 $235,000 -17.5% 0.1%
    CIS Financial Services, Inc. $935,000 $230,000 -75.4% 0.1%
    EVERETT FINANCIAL, INC. $320,000 $225,000 -29.7% 0.1%
    THRIVE MORTGAGE, LLC $2,045,000 $225,000 -89.0% 0.1%
    ASSOCIATED MORTGAGE CORPORATION $215,000 n/a 0.1%
    Texas Health Credit Union $215,000 n/a 0.1%
    RUOFF MORTGAGE COMPANY, INC. $205,000 n/a 0.1%
    S1L, Inc. $500,000 $205,000 -59.0% 0.1%
    AMERICAN FINANCING CORPORATION $850,000 $195,000 -77.1% 0.1%
    BancorpSouth $1,560,000 $185,000 -88.1% 0.1%
    COUNTRYPLACE MORTGAGE, LTD. $505,000 $185,000 -63.4% 0.1%
    FINANCE OF AMERICA REVERSE LLC $640,000 $180,000 -71.9% 0.1%
    HOMEXPRESS MORTGAGE CORP. $175,000 n/a 0.1%
    MEMBER HOME LOAN, L.L.C. $410,000 $165,000 -59.8% 0.1%
    PNC Bank $1,020,000 $165,000 -83.8% 0.1%
    Community National Bank $155,000 n/a 0.1%
    Texas Regional Bank $155,000 n/a 0.1%
    BAY EQUITY LLC $145,000 $145,000 0.0% 0.1%
    Frost Bank $640,000 $135,000 -78.9% 0.1%
    Great Plains National Bank $135,000 n/a 0.1%
    MOBILOIL $125,000 n/a 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $195,000 $125,000 -35.9% 0.1%
    Amarillo National Bank $115,000 n/a 0.1%
    1ST COMMUNITY FEDERAL CREDIT UNION $75,000 n/a 0.0%
    FIRSTMARK $65,000 n/a 0.0%
    LONE STAR $65,000 n/a 0.0%
    Generations Community Federal Credit Union $55,000 n/a 0.0%
    International Bank of Commerce $45,000 n/a 0.0%

    Kerrville's top lender by overall market share is SWBC MORTGAGE CORPORATION, with 6.1% market share. In second place, with 5.1%, is Security State Bank & Trust, having originated $9,360,000 in loans. In third place, with 4.8%, is QUICKEN LOANS, LLC, having originated $8,675,000 in loans. In fourth place, with 4.7%, is RANDOLPH-BROOKS, having originated $8,510,000 in loans. In fifth place, with 4.3%, is Broadway National Bank, having originated $7,925,000 in loans.

    Kerrville Housing Market Trends (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 $402,637 (13.1%) $644,553 (5.7%) 0.00 282
    2018-02-01 $391,175 (13.6%) $631,240 (7.4%) 0.00 276
    2018-03-01 $399,000 (10.9%) $639,529 (9.3%) 0.00 286
    2018-04-01 $399,000 (6.4%) $612,427 (3.1%) 0.00 300
    2018-05-01 $411,000 (9.3%) $620,616 (4.2%) 0.00 303
    2018-06-01 $425,000 (11.9%) $632,643 (4.9%) 0.00 321
    2018-07-01 $421,500 (9.5%) $612,455 (-0.9%) 0.00 339
    2018-08-01 $416,875 (7.4%) $613,713 (1.2%) 0.00 341
    2018-09-01 $404,269 (1.4%) $619,201 (0.0%) 0.00 338
    2018-10-01 $419,225 (-1.1%) $646,401 (1.1%) 0.00 310
    2018-11-01 $419,225 (1.7%) $634,264 (1.2%) 0.00 303
    2018-12-01 $412,475 (-1.6%) $620,527 (-2.7%) 0.00 305
    2019-01-01 $419,025 (4.1%) $632,490 (-1.9%) 0.00 278
    2019-02-01 $403,688 (3.2%) $652,066 (3.3%) 0.00 284
    2019-03-01 $403,764 (1.2%) $671,261 (5.0%) 0.00 291
    2019-04-01 $403,964 (1.2%) $666,168 (8.8%) 0.00 303
    2019-05-01 $399,900 (-2.7%) $824,091 (32.8%) 0.00 321
    2019-06-01 $416,300 (-2.1%) $890,423 (40.8%) 0.00 331
    2019-07-01 $399,250 (-5.3%) $842,227 (37.5%) 0.00 353
    2019-08-01 $399,000 (-4.3%) $823,717 (34.2%) 0.00 358
    2019-09-01 $399,000 (-1.3%) $818,060 (32.1%) 0.00 348
    2019-10-01 $399,000 (-4.8%) $814,289 (26.0%) 0.00 336
    2019-11-01 $399,900 (-4.6%) $772,422 (21.8%) 0.00 324
    2019-12-01 $452,500 (9.7%) $789,595 (27.3%) 0.00 299
    2020-01-01 $444,925 (6.2%) $699,494 (10.6%) 0.00 275
    2020-02-01 $439,000 (8.8%) $672,344 (3.1%) 0.00 274
    2020-03-01 $439,700 (8.9%) $707,260 (5.4%) 0.00 278
    2020-04-01 $439,900 (8.9%) $731,273 (9.8%) 0.00 278
    2020-05-01 $462,450 (15.6%) $783,686 (-4.9%) 0.00 277
    2020-06-01 $462,450 (11.1%) $776,643 (-12.8%) 0.00 275
    2020-07-01 $444,625 (11.4%) $766,365 (-9.0%) 0.00 279
    2020-08-01 $469,000 (17.5%) $793,945 (-3.6%) 0.00 251
    2020-09-01 $469,125 (17.6%) $790,343 (-3.4%) 0.00 233
    2020-10-01 $439,875 (10.2%) $765,050 (-6.1%) 0.00 235
    2020-11-01 $437,000 (9.3%) $718,811 (-6.9%) 0.00 224
    2020-12-01 $446,475 (-1.3%) $751,120 (-4.9%) 0.00 194
    2021-01-01 $430,500 (-3.2%) $843,215 (20.6%) 0.00 160
    2021-02-01 $454,200 (3.5%) $877,946 (30.6%) 0.00 153
    2021-03-01 $445,950 (1.4%) $897,349 (26.9%) 0.00 145
    2021-04-01 $454,750 (3.4%) $938,430 (28.3%) 0.00 139
    2021-05-01 $490,000 (6.0%) $957,202 (22.1%) 0.00 137
    2021-06-01 $449,250 (-2.9%) $852,212 (9.7%) 0.00 139
    2021-07-01 $465,000 (4.6%) $817,912 (6.7%) 0.00 171
    2021-08-01 $467,600 (-0.3%) $807,143 (1.7%) 0.00 180
    2021-09-01 $475,500 (1.4%) $813,251 (2.9%) 0.00 170
    2021-10-01 $492,500 (12.0%) $827,125 (8.1%) 0.00 158
    2021-11-01 $514,500 (17.7%) $909,697 (26.6%) 0.00 163
    2021-12-01 $497,750 (11.5%) $872,533 (16.2%) 0.00 150
    2022-01-01 $504,988 (17.3%) $875,580 (3.8%) 0.00 140
    2022-02-01 $521,225 (14.8%) $930,545 (6.0%) 0.00 124
    2022-03-01 $520,475 (16.7%) $904,516 (0.8%) 0.00 133
    2022-04-01 $534,500 (17.5%) $954,106 (1.7%) 0.00 136
    2022-05-01 $482,000 (-1.6%) $888,188 (-7.2%) 0.00 140
    2022-06-01 $436,625 (-2.8%) $969,505 (13.8%) 0.00 149
    2022-07-01 $500,000 (7.5%) $949,107 (16.0%) 0.00 167
    2022-08-01 $515,469 (10.2%) $931,821 (15.5%) 0.00 201
    2022-09-01 $501,381 (5.4%) $895,167 (10.1%) 0.00 216
    2022-10-01 $497,450 (1.0%) $832,255 (0.6%) 0.00 232
    2022-11-01 $551,475 (7.2%) $844,864 (-7.1%) 0.00 240
    2022-12-01 $544,900 (9.5%) $814,767 (-6.6%) 0.00 234
    2023-01-01 $539,450 (6.8%) $828,269 (-5.4%) 0.00 214
    2023-02-01 $575,000 (10.3%) $885,792 (-4.8%) 0.00 197
    2023-03-01 $597,000 (14.7%) $914,567 (1.1%) 0.00 197
    2023-04-01 $580,000 (8.5%) $904,752 (-5.2%) 0.00 197
    2023-05-01 $598,000 (24.1%) $931,985 (4.9%) 0.00 210
    2023-06-01 $629,317 (44.1%) $952,717 (-1.7%) 0.00 208
    2023-07-01 $599,000 (19.8%) $919,819 (-3.1%) 0.00 209
    2023-08-01 $599,000 (16.2%) $935,302 (0.4%) 0.00 245
    2023-09-01 $619,900 (23.6%) $943,965 (5.5%) 0.00 251
    2023-10-01 $596,500 (19.9%) $917,951 (10.3%) 0.00 252
    2023-11-01 $590,500 (7.1%) $960,027 (13.6%) 0.00 263
    2023-12-01 $589,000 (8.1%) $962,901 (18.2%) 0.00 273
    2024-01-01 $527,250 (-2.3%) $891,607 (7.7%) 0.00 281
    2024-02-01 $554,191 (-3.6%) $854,882 (-3.5%) 0.00 289
    2024-03-01 $560,000 (-6.2%) $885,885 (-3.1%) 0.00 300
    2024-04-01 $567,000 (-2.2%) $884,483 (-2.2%) 0.00 313
    2024-05-01 $573,110 (-4.2%) $882,359 (-5.3%) 0.00 334
    2024-06-01 $560,000 (-11.0%) $875,144 (-8.1%) 0.00 349
    2024-07-01 $563,000 (-6.0%) $857,557 (-6.8%) 0.00 359
    2024-08-01 $547,433 (-8.6%) $834,684 (-10.8%) 0.00 380
    2024-09-01 $529,500 (-14.6%) $809,906 (-14.2%) 0.00 384
    2024-10-01 $529,500 (-11.2%) $823,805 (-10.3%) 0.00 385
    2024-11-01 $518,500 (-12.2%) $770,753 (-19.7%) 0.00 400
    Kerrville's median listing price for 2024-11-01 was $518,500, a difference of $-72,000 (-12.2%) versus the prior year and $-11,000 versus the prior month.

    Kerrville's median listing price comes in at 0% of the national average.

    Kerrville's average listing price for 2024-11-01 was $770,753, a difference of $-189,274 (-19.7%) versus the prior year and $-53,052 versus the prior month.

    For the 2024-11-01 period, Kerrville had 400 MLS listings, a difference of 15 listings (4%) versus the prior month and 137 listings (52%) 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 2,542 sqft
    2018-02-01 0 days 2,489 sqft
    2018-03-01 0 days 2,453 sqft
    2018-04-01 0 days 2,453 sqft
    2018-05-01 0 days 2,539 sqft
    2018-06-01 0 days 2,597 sqft
    2018-07-01 0 days 2,601 sqft
    2018-08-01 0 days 2,607 sqft
    2018-09-01 0 days 2,527 sqft
    2018-10-01 0 days 2,550 sqft
    2018-11-01 0 days 2,505 sqft
    2018-12-01 0 days 2,414 sqft
    2019-01-01 0 days 2,490 sqft
    2019-02-01 0 days 2,541 sqft
    2019-03-01 0 days 2,619 sqft
    2019-04-01 0 days 2,629 sqft
    2019-05-01 0 days 2,539 sqft
    2019-06-01 0 days 2,434 sqft
    2019-07-01 0 days 2,386 sqft
    2019-08-01 0 days 2,397 sqft
    2019-09-01 0 days 2,406 sqft
    2019-10-01 0 days 2,415 sqft
    2019-11-01 0 days 2,454 sqft
    2019-12-01 0 days 2,545 sqft
    2020-01-01 0 days 2,535 sqft
    2020-02-01 0 days 2,505 sqft
    2020-03-01 0 days 2,519 sqft
    2020-04-01 0 days 2,508 sqft
    2020-05-01 0 days 2,476 sqft
    2020-06-01 0 days 2,465 sqft
    2020-07-01 0 days 2,418 sqft
    2020-08-01 0 days 2,450 sqft
    2020-09-01 0 days 2,333 sqft
    2020-10-01 0 days 2,295 sqft
    2020-11-01 0 days 2,320 sqft
    2020-12-01 0 days 2,365 sqft
    2021-01-01 0 days 2,334 sqft
    2021-02-01 0 days 2,335 sqft
    2021-03-01 0 days 2,260 sqft
    2021-04-01 0 days 2,360 sqft
    2021-05-01 0 days 2,342 sqft
    2021-06-01 0 days 2,208 sqft
    2021-07-01 0 days 2,061 sqft
    2021-08-01 0 days 2,087 sqft
    2021-09-01 0 days 2,120 sqft
    2021-10-01 0 days 2,080 sqft
    2021-11-01 0 days 2,208 sqft
    2021-12-01 0 days 2,148 sqft
    2022-01-01 0 days 2,157 sqft
    2022-02-01 0 days 2,206 sqft
    2022-03-01 0 days 2,221 sqft
    2022-04-01 0 days 2,232 sqft
    2022-05-01 0 days 2,043 sqft
    2022-06-01 0 days 1,911 sqft
    2022-07-01 0 days 2,040 sqft
    2022-08-01 0 days 2,136 sqft
    2022-09-01 0 days 2,038 sqft
    2022-10-01 0 days 2,027 sqft
    2022-11-01 0 days 2,177 sqft
    2022-12-01 0 days 2,133 sqft
    2023-01-01 0 days 2,130 sqft
    2023-02-01 0 days 2,235 sqft
    2023-03-01 0 days 2,313 sqft
    2023-04-01 0 days 2,300 sqft
    2023-05-01 0 days 2,334 sqft
    2023-06-01 0 days 2,322 sqft
    2023-07-01 0 days 2,250 sqft
    2023-08-01 0 days 2,249 sqft
    2023-09-01 0 days 2,263 sqft
    2023-10-01 0 days 2,203 sqft
    2023-11-01 0 days 2,163 sqft
    2023-12-01 0 days 2,186 sqft
    2024-01-01 0 days 2,114 sqft
    2024-02-01 0 days 2,130 sqft
    2024-03-01 0 days 2,186 sqft
    2024-04-01 0 days 2,146 sqft
    2024-05-01 0 days 2,180 sqft
    2024-06-01 0 days 2,135 sqft
    2024-07-01 0 days 2,143 sqft
    2024-08-01 0 days 2,095 sqft
    2024-09-01 0 days 2,083 sqft
    2024-10-01 0 days 2,084 sqft
    2024-11-01 0 days 2,081 sqft
    Kerrville's median listing age (time on market) for 2024-11-01 was 0 days.

    Kerrville's median square footage for active listings during the 2024-11-01 period was 2,081 sqft. One year prior, the average listing was 2,163 sqft.

    Kerrville, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 444 $138,990,000 $313,041
    Cash Out Refi 99 $21,125,000 $213,384
    Refi 43 $10,695,000 $248,721
    Other 29 $5,655,000 $195,000
    Home Improvement 24 $4,980,000 $207,500
    NA 4 $1,110,000 $277,500

    Kerrville's most frequently cited loan purpose was Home Purchase, with 444 originations. The 2nd most popular reason was Cash Out Refi, with 99 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 241 $73,985,000 $306,992
    7-8% 143 $39,835,000 $278,566
    5-6% 98 $27,900,000 $284,694
    Over 8% 83 $12,635,000 $152,229
    4-5% 7 $2,195,000 $313,571
    <2.5% 2 $10,000 $5,000

    During 2023, Kerrville's most frequently originated rate bucket was 6-7%, with 241 originations.

    Loan Sizing (Kerrville, TX MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 275 $77,975,000 $283,545
    $100k-200k 158 $23,770,000 $150,443
    $100,000 or less 101 $5,795,000 $57,376
    $400k-600k 69 $32,485,000 $470,797
    $600k-1000k 32 $23,370,000 $730,313
    $Over $1MM 8 $19,160,000 $2,395,000

    Kerrville's loan sizing saw the bucket of loans from $200k-400k with 275 originations, totaling $77,975,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 219 $69,895,000 $319,155
    60-80% 138 $40,010,000 $289,928
    40-60% 90 $29,350,000 $326,111
    20-40% 77 $11,375,000 $147,727
    Under 20% 40 $3,490,000 $87,250
    Over 100% 6 $2,060,000 $343,333

    Kerrville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 219 originations, totaling $69,895,000 in origination value.