Kerrville Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Kerrville averaged 6.68% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 6.63% and one month ago for the week of 2025-04-17, the average rate was 6.75%.

    Kerrville's average rate one year ago was 6.94%.

    For refis of the same type during the week of 2025-05-22, the average rate was 6.96%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Kerrville 30 Year Fixed Rate 2025-05-22 6.68%
    Kerrville 30 Year Fixed Rate Refi 2025-05-22 6.96%
    Kerrville 15 Year Fixed Rate 2025-05-22 5.91%
    Kerrville 15 Year Fixed Rate Refi 2025-05-22 6.61%
    Kerrville 30 Year FHA 2025-05-22 5.83%
    Kerrville 30 Year FHA Refi 2025-05-22 6.61%
    Kerrville 30 Year USDA 2025-05-22 6.23%
    Kerrville 30 Year USDA Refi 2025-05-22 6.43%
    Kerrville 30 Year VA 2025-05-22 6.45%
    Kerrville 30 Year VA Refi 2025-05-22 6.72%
    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 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 (12.5%) $644,470 (5.4%) 0.00 281
    2018-02-01 $393,725 (14.3%) $632,304 (7.6%) 0.00 275
    2018-03-01 $399,000 (10.9%) $639,529 (9.3%) 0.00 285
    2018-04-01 $399,000 (6.4%) $613,392 (3.3%) 0.00 299
    2018-05-01 $415,200 (10.4%) $621,542 (4.4%) 0.00 302
    2018-06-01 $425,000 (11.9%) $627,370 (4.0%) 0.00 319
    2018-07-01 $422,000 (9.6%) $613,305 (-0.8%) 0.00 338
    2018-08-01 $418,100 (7.7%) $614,550 (1.2%) 0.00 340
    2018-09-01 $404,269 (1.4%) $619,201 (-0.1%) 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 (1.3%) 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 (2.5%) $652,066 (3.1%) 0.00 284
    2019-03-01 $403,957 (1.2%) $671,893 (5.1%) 0.00 291
    2019-04-01 $404,157 (1.3%) $667,538 (8.8%) 0.00 301
    2019-05-01 $399,900 (-3.7%) $825,525 (32.8%) 0.00 319
    2019-06-01 $416,300 (-2.1%) $892,233 (42.2%) 0.00 329
    2019-07-01 $399,250 (-5.4%) $841,870 (37.3%) 0.00 352
    2019-08-01 $399,000 (-4.6%) $823,350 (34.0%) 0.00 357
    2019-09-01 $399,000 (-1.3%) $817,727 (32.1%) 0.00 347
    2019-10-01 $399,000 (-4.8%) $813,978 (25.9%) 0.00 335
    2019-11-01 $399,700 (-4.7%) $771,974 (21.7%) 0.00 323
    2019-12-01 $451,225 (9.4%) $789,166 (27.2%) 0.00 298
    2020-01-01 $444,900 (6.2%) $698,698 (10.5%) 0.00 274
    2020-02-01 $438,500 (8.6%) $673,241 (3.3%) 0.00 273
    2020-03-01 $439,700 (8.9%) $707,944 (5.4%) 0.00 276
    2020-04-01 $439,900 (8.8%) $731,805 (9.6%) 0.00 276
    2020-05-01 $462,450 (15.6%) $784,612 (-5.0%) 0.00 275
    2020-06-01 $462,450 (11.1%) $777,516 (-12.9%) 0.00 273
    2020-07-01 $444,500 (11.3%) $767,159 (-8.9%) 0.00 277
    2020-08-01 $469,000 (17.5%) $793,404 (-3.6%) 0.00 250
    2020-09-01 $468,500 (17.4%) $789,790 (-3.4%) 0.00 232
    2020-10-01 $439,750 (10.2%) $764,421 (-6.1%) 0.00 235
    2020-11-01 $437,000 (9.3%) $718,811 (-6.9%) 0.00 224
    2020-12-01 $446,475 (-1.1%) $751,120 (-4.8%) 0.00 194
    2021-01-01 $430,500 (-3.2%) $843,215 (20.7%) 0.00 160
    2021-02-01 $454,200 (3.6%) $877,946 (30.4%) 0.00 153
    2021-03-01 $445,950 (1.4%) $897,349 (26.8%) 0.00 145
    2021-04-01 $454,750 (3.4%) $938,430 (28.2%) 0.00 139
    2021-05-01 $490,000 (6.0%) $957,202 (22.0%) 0.00 137
    2021-06-01 $449,250 (-2.9%) $852,212 (9.6%) 0.00 139
    2021-07-01 $465,000 (4.6%) $824,353 (7.5%) 0.00 172
    2021-08-01 $470,763 (0.4%) $813,165 (2.5%) 0.00 181
    2021-09-01 $477,500 (1.9%) $820,004 (3.8%) 0.00 171
    2021-10-01 $495,000 (12.6%) $833,916 (9.1%) 0.00 159
    2021-11-01 $518,475 (18.6%) $915,522 (27.4%) 0.00 164
    2021-12-01 $498,375 (11.6%) $879,383 (17.1%) 0.00 151
    2022-01-01 $510,000 (18.5%) $882,320 (4.6%) 0.00 141
    2022-02-01 $525,000 (15.6%) $938,300 (6.9%) 0.00 125
    2022-03-01 $523,450 (17.4%) $911,869 (1.6%) 0.00 134
    2022-04-01 $535,000 (17.7%) $960,863 (2.4%) 0.00 136
    2022-05-01 $479,500 (-2.1%) $889,350 (-7.1%) 0.00 140
    2022-06-01 $433,250 (-3.6%) $972,314 (14.1%) 0.00 148
    2022-07-01 $499,950 (7.5%) $951,420 (15.4%) 0.00 166
    2022-08-01 $515,469 (9.5%) $935,190 (15.0%) 0.00 200
    2022-09-01 $501,381 (5.0%) $899,394 (9.7%) 0.00 214
    2022-10-01 $497,450 (0.5%) $832,255 (-0.2%) 0.00 232
    2022-11-01 $551,475 (6.4%) $844,864 (-7.7%) 0.00 240
    2022-12-01 $544,900 (9.3%) $814,767 (-7.4%) 0.00 234
    2023-01-01 $543,425 (6.6%) $831,001 (-5.8%) 0.00 213
    2023-02-01 $575,000 (9.5%) $885,792 (-5.6%) 0.00 197
    2023-03-01 $598,000 (14.2%) $916,197 (0.5%) 0.00 196
    2023-04-01 $585,000 (9.4%) $906,409 (-5.7%) 0.00 196
    2023-05-01 $599,000 (24.9%) $932,860 (4.9%) 0.00 210
    2023-06-01 $629,317 (45.3%) $952,717 (-2.0%) 0.00 208
    2023-07-01 $599,000 (19.8%) $921,412 (-3.2%) 0.00 208
    2023-08-01 $599,000 (16.2%) $936,207 (0.1%) 0.00 244
    2023-09-01 $614,000 (22.5%) $940,289 (4.6%) 0.00 253
    2023-10-01 $595,750 (19.8%) $916,417 (10.1%) 0.00 253
    2023-11-01 $588,500 (6.7%) $958,233 (13.4%) 0.00 264
    2023-12-01 $588,000 (7.9%) $961,087 (18.0%) 0.00 274
    2024-01-01 $526,125 (-3.2%) $890,142 (7.1%) 0.00 282
    2024-02-01 $553,433 (-3.8%) $853,585 (-3.6%) 0.00 290
    2024-03-01 $560,000 (-6.4%) $884,529 (-3.5%) 0.00 301
    2024-04-01 $564,750 (-3.5%) $883,230 (-2.6%) 0.00 314
    2024-05-01 $572,665 (-4.4%) $880,697 (-5.6%) 0.00 335
    2024-06-01 $560,000 (-11.0%) $869,662 (-8.7%) 0.00 350
    2024-07-01 $562,000 (-6.2%) $856,527 (-7.0%) 0.00 360
    2024-08-01 $546,865 (-8.7%) $833,741 (-10.9%) 0.00 381
    2024-09-01 $529,500 (-13.8%) $809,906 (-13.9%) 0.00 384
    2024-10-01 $529,500 (-11.1%) $823,805 (-10.1%) 0.00 385
    2024-11-01 $518,500 (-11.9%) $770,753 (-19.6%) 0.00 400
    2024-12-01 $512,750 (-12.8%) $779,478 (-18.9%) 0.00 367
    2025-01-01 $516,500 (-1.8%) $763,588 (-14.2%) 0.00 337
    2025-02-01 $516,975 (-6.6%) $757,536 (-11.3%) 0.00 350
    2025-03-01 $534,950 (-4.5%) $761,865 (-13.9%) 0.00 384
    2025-04-01 $550,000 (-2.6%) $762,160 (-13.7%) 0.00 403
    Kerrville's median listing price for 2025-04-01 was $550,000, a difference of $-14,750 (-2.6%) versus the prior year and $15,050 versus the prior month.

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

    Kerrville's average listing price for 2025-04-01 was $762,160, a difference of $-121,070 (-13.7%) versus the prior year and $295 versus the prior month.

    For the 2025-04-01 period, Kerrville had 403 MLS listings, a difference of 19 listings (5%) versus the prior month and 89 listings (28%) 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 2,533 sqft
    2018-02-01 0 days 2,486 sqft
    2018-03-01 0 days 2,450 sqft
    2018-04-01 0 days 2,451 sqft
    2018-05-01 0 days 2,535 sqft
    2018-06-01 0 days 2,577 sqft
    2018-07-01 0 days 2,599 sqft
    2018-08-01 0 days 2,594 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 2,620 sqft
    2019-04-01 0 days 2,630 sqft
    2019-05-01 0 days 2,539 sqft
    2019-06-01 0 days 2,434 sqft
    2019-07-01 0 days 2,376 sqft
    2019-08-01 0 days 2,391 sqft
    2019-09-01 0 days 2,402 sqft
    2019-10-01 0 days 2,413 sqft
    2019-11-01 0 days 2,453 sqft
    2019-12-01 0 days 2,545 sqft
    2020-01-01 0 days 2,530 sqft
    2020-02-01 0 days 2,500 sqft
    2020-03-01 0 days 2,515 sqft
    2020-04-01 0 days 2,482 sqft
    2020-05-01 0 days 2,469 sqft
    2020-06-01 0 days 2,452 sqft
    2020-07-01 0 days 2,400 sqft
    2020-08-01 0 days 2,448 sqft
    2020-09-01 0 days 2,328 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 2,097 sqft
    2021-09-01 0 days 2,130 sqft
    2021-10-01 0 days 2,085 sqft
    2021-11-01 0 days 2,211 sqft
    2021-12-01 0 days 2,156 sqft
    2022-01-01 0 days 2,157 sqft
    2022-02-01 0 days 2,209 sqft
    2022-03-01 0 days 2,223 sqft
    2022-04-01 0 days 2,236 sqft
    2022-05-01 0 days 2,043 sqft
    2022-06-01 0 days 1,906 sqft
    2022-07-01 0 days 2,016 sqft
    2022-08-01 0 days 2,134 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 2,136 sqft
    2023-02-01 0 days 2,235 sqft
    2023-03-01 0 days 2,307 sqft
    2023-04-01 0 days 2,292 sqft
    2023-05-01 0 days 2,329 sqft
    2023-06-01 0 days 2,322 sqft
    2023-07-01 0 days 2,249 sqft
    2023-08-01 0 days 2,246 sqft
    2023-09-01 0 days 2,261 sqft
    2023-10-01 0 days 2,198 sqft
    2023-11-01 0 days 2,160 sqft
    2023-12-01 0 days 2,174 sqft
    2024-01-01 0 days 2,114 sqft
    2024-02-01 0 days 2,130 sqft
    2024-03-01 0 days 2,174 sqft
    2024-04-01 0 days 2,144 sqft
    2024-05-01 0 days 2,156 sqft
    2024-06-01 0 days 2,128 sqft
    2024-07-01 0 days 2,138 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
    2024-12-01 0 days 2,084 sqft
    2025-01-01 0 days 2,060 sqft
    2025-02-01 0 days 2,091 sqft
    2025-03-01 0 days 2,168 sqft
    2025-04-01 0 days 2,177 sqft
    Kerrville's median listing age (time on market) for 2025-04-01 was 0 days.

    Kerrville's median square footage for active listings during the 2025-04-01 period was 2,177 sqft. One year prior, the average listing was 2,144 sqft.

    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.