Kerrville Mortgage Rates & Closing Costs

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

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%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
QUICKEN LOANS, LLC 33 7.03% $8,085
MLD MORTGAGE INC. 30 6.79% $5,037
UNITED WHOLESALE MORTGAGE, LLC 20 6.55% $9,351
EAGLE HOME MORTGAGE, LLC 19 4.87% $4,222
Centennial Bank 19 6.60% $6,419
RANDOLPH-BROOKS 16 6.95% $2,801
V.I.P. MORTGAGE, INC. 12 6.78% $8,637
PILGRIM MORTGAGE LLC 8 7.03% $10,160
Security State Bank & Trust 8 6.61% $5,213
GARDNER FINANCIAL SERVICES, LTD. 7 7.13% $11,322
AmeriHome Mortgage Company, LLC 5 6.79% $6,008
Wells Fargo Bank 4 6.84% $5,504
First United Bank and Trust Company 4 6.78% $7,917
UNIVERSITY Federal Credit Union 4 7.47% $12,867
SWBC MORTGAGE CORPORATION 4 7.16% $4,214
ROYAL UNITED MORTGAGE LLC 3 6.71% $11,843
Mr. Cooper ( Nationstar Mortgage ) 3 7.00% $7,407
LOANDEPOT.COM, LLC 3 6.87% $11,040
JPMorgan Chase Bank 3 6.70% $3,664
Flagstar Bank, FSB 3 6.13% $3,941
PENNYMAC LOAN SERVICES, LLC 3 7.33% $7,068
Farm Credit Mid-America, ACA 3 6.92% $13,786
Network Funding, L.P. 3 6.75% $11,191
Zions Bank 2 6.94% $13,587
ASCENT HOME LENDING, LLC 2 6.63% $8,907
Citibank 2 6.69% $4,192
CMG MORTGAGE, INC. 2 5.63% $13,064
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.13% $7,484
First Financial Bank 2 6.54% $15,035
GUARANTEED RATE, INC. 2 6.81% $6,700
GUILD MORTGAGE COMPANY 2 6.81% $9,468
Morgan Stanley Private Bank 2 5.80% $3,266
NBKC BANK 2 6.19% $4,033
NEW FED MORTGAGE, CORP. 2 6.06% $6,738
Plains Commerce Bank 2 6.19% $14,556
21ST MORTGAGE CORPORATION 2 8.67% $7,303
Gulf Coast Bank and Trust Company 1 6.50% $6,412
USAA Federal Savings Bank 1 6.88% $5,073
MORTGAGE FINANCIAL SERVICES, LLC 1 6.88% $12,996
FREEDOM MORTGAGE CORPORATION 1 7.88% $7,061
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.75% $5,952
AMERITRUST MORTGAGE CORPORATION 1 7.88% $9,509
FIRST COMMUNITY MORTGAGE, INC. 1 7.63% $7,075
AMERISAVE MORTGAGE CORPORATION 1 6.50% $16,775
NEWREZ LLC 1 7.88% $4,306
NexBank 1 5.63% $9,934
NEXERA HOLDING LLC 1 7.50% $14,480
Eagle Bank and Trust Company 1 6.63% $5,204
PENTAGON FEDERAL CREDIT UNION 1 6.50% $5,599
PHH Mortgage Corporation 1 7.63% $9,547
DAS Acquisition Company, LLC 1 7.38% $13,576
ZILLOW HOME LOANS, LLC 1 5.63% $15,786
Prosperity Bank 1 6.75% $4,235
CREDIT HUMAN FEDERAL CREDIT UNION 1 6.63% $5,014
CORNERSTONE HOME LENDING, INC. 1 6.99% $9,858
Raymond James Bank 1 7.25% $6,095
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 7.38% $8,332
CHURCHILL MORTGAGE CORPORATION 1 6.63% $5,705
Servion, Inc. 1 7.13% $6,506
SOUTHWEST STAGE FUNDING, LLC 1 7.60% $14,467
Stifel Bank and Trust 1 5.88% $5,698
SUMMIT FUNDING, INC. 1 6.87% $13,041
Century Mortgage Company DBA Century Lending Company 1 7.13% $5,176
TEXAS DOW EMPLOYEES CREDIT UNION 1 7.63% $4,622
Texas Regional Bank 1 7.00% $5,181
The Loan Store, Inc. 1 9.88% $19,664
Bank of America 1 6.13% $7,857
Axos Bank 1 7.75% $13,901
Jefferson Bank 1 6.75% $8,637
INTEGRITY MORTGAGE CORPORATION OF TEXAS 1 6.38% $3,492
JSC 1 6.50% $12,444
Integrity Home Mortgage Corp 1 6.88% $5,747
LOANPAL, LLC 1 8.13% $11,891

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.