KILLEEN - TEMPLE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Killeen - Temple averaged
6.89%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.92% and
one month ago for the week of 2025-05-15, the
average rate was 6.89%.
Killeen - Temple's average rate one year ago was 6.83%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.67%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Killeen - Temple 30 Year Fixed Rate | 2025-06-18 | 6.89% |
| Killeen - Temple 30 Year Fixed Rate Refi | 2025-06-18 | 7.67% |
| Killeen - Temple 15 Year Fixed Rate | 2025-06-18 | 6.55% |
| Killeen - Temple 15 Year Fixed Rate Refi | 2025-06-18 | 5.86% |
| Killeen - Temple 30 Year FHA | 2025-06-18 | -0.15% |
| Killeen - Temple 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Killeen - Temple 30 Year USDA | 2025-06-18 | 0.2% |
| Killeen - Temple 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Killeen - Temple 30 Year VA | 2025-06-18 | -0.2% |
| Killeen - Temple 30 Year VA Refi | 2025-06-18 | -0.63% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within KILLEEN-TEMPLE, TX.
KILLEEN - TEMPLE 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 KILLEEN-TEMPLE, 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.).
KILLEEN - TEMPLE Average Closing Costs & Other Stats
KILLEEN-TEMPLE, TX's 190 lenders originated 10,146
loans during 2024. The total origination value was $2,800,250,000, with an average loan value of
$275,995.
KILLEEN - TEMPLE's average closing costs are $5,911.
The top KILLEEN - TEMPLE lender as defined by loan originations is QUICKEN LOANS, LLC, with
267 loans originated. Their average total fees are
$7,077, which is $1,852
higher than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee KILLEEN - TEMPLE lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($3,548), JPMorgan Chase Bank ($4,284), Mortgage Research Center, LLC ($4,515), SWBC MORTGAGE CORPORATION ($4,620) and KBHS HOME LOANS, LLC ($4,681).
The lowest rate KILLEEN - TEMPLE lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.65%), KBHS HOME LOANS, LLC (6.47%), SWBC MORTGAGE CORPORATION (6.51%), BancorpSouth (6.52%) and NAVY FEDERAL CREDIT UNION (6.53%).
KILLEEN-TEMPLE, 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 |
|---|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $357,075,000 | $312,915,000 | -12.4% | 11.2% |
| DHI MORTGAGE COMPANY, LTD. | $239,050,000 | $259,510,000 | 8.6% | 9.3% |
| Mortgage Research Center, LLC | $165,225,000 | $187,455,000 | 13.5% | 6.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $91,150,000 | $180,125,000 | 97.6% | 6.4% |
| First National Bank Texas | $112,340,000 | $134,060,000 | 19.3% | 4.8% |
| QUICKEN LOANS, LLC | $70,785,000 | $96,550,000 | 36.4% | 3.4% |
| CMG MORTGAGE, INC. | $67,370,000 | $80,760,000 | 19.9% | 2.9% |
| SWBC MORTGAGE CORPORATION | $85,700,000 | $77,820,000 | -9.2% | 2.8% |
| BancorpSouth | $107,845,000 | $73,710,000 | -31.7% | 2.6% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $33,420,000 | $58,975,000 | 76.5% | 2.1% |
| FREEDOM MORTGAGE CORPORATION | $8,250,000 | $52,785,000 | 539.8% | 1.9% |
| NAVY FEDERAL CREDIT UNION | $66,115,000 | $48,640,000 | -26.4% | 1.7% |
| Extraco Banks | $39,065,000 | $47,585,000 | 21.8% | 1.7% |
| FIRST CONTINENTAL MORTGAGE, LTD. | $37,750,000 | n/a | 1.3% | |
| Central National Bank | $20,445,000 | $34,060,000 | 66.6% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $25,585,000 | $30,505,000 | 19.2% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $12,960,000 | $27,595,000 | 112.9% | 1.0% |
| Mr. Cooper ( Nationstar Mortgage ) | $10,750,000 | $26,105,000 | 142.8% | 0.9% |
| HOMESIDE FINANCIAL, LLC | $10,965,000 | $24,665,000 | 124.9% | 0.9% |
| PLAZA HOME MORTGAGE, INC. | $19,310,000 | $23,595,000 | 22.2% | 0.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $25,685,000 | $23,220,000 | -9.6% | 0.8% |
| NEWREZ LLC | $12,485,000 | $22,695,000 | 81.8% | 0.8% |
| Merchants Capital Corp. | $22,250,000 | n/a | 0.8% | |
| VILLAGE CAPITAL MORTGAGE | $3,350,000 | $22,150,000 | 561.2% | 0.8% |
| TEXELL Credit Union | $16,910,000 | $21,625,000 | 27.9% | 0.8% |
| USAA Federal Savings Bank | $20,280,000 | $19,495,000 | -3.9% | 0.7% |
| CommunityBank of Texas, N.A. | $400,000 | $17,785,000 | 4,346.3% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $2,830,000 | $17,480,000 | 517.7% | 0.6% |
| Gateway First Bank | $35,505,000 | $17,250,000 | -51.4% | 0.6% |
| Wolfe Financial, Inc | $13,790,000 | $15,340,000 | 11.2% | 0.5% |
| LOANDEPOT.COM, LLC | $12,825,000 | $15,325,000 | 19.5% | 0.5% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $10,730,000 | $15,250,000 | 42.1% | 0.5% |
| Flagstar Bank, FSB | $16,190,000 | $13,730,000 | -15.2% | 0.5% |
| Lakeview Community Capital, LLC | $420,000 | $13,230,000 | 3,050.0% | 0.5% |
| KBHS HOME LOANS, LLC | $15,980,000 | $13,085,000 | -18.1% | 0.5% |
| GUILD MORTGAGE COMPANY | $16,280,000 | $12,310,000 | -24.4% | 0.4% |
| 21ST MORTGAGE CORPORATION | $10,655,000 | $12,270,000 | 15.2% | 0.4% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $23,385,000 | $12,090,000 | -48.3% | 0.4% |
| BROKER SOLUTIONS, INC. | $5,375,000 | $11,855,000 | 120.6% | 0.4% |
| LIMA ONE CAPITAL, LLC | $7,995,000 | $11,780,000 | 47.3% | 0.4% |
| GUARANTEED RATE, INC. | $39,730,000 | $11,520,000 | -71.0% | 0.4% |
| Alliance Bank Central Texas | $21,070,000 | $11,305,000 | -46.3% | 0.4% |
| JPMorgan Chase Bank | $11,250,000 | $11,045,000 | -1.8% | 0.4% |
| CORNERSTONE HOME LENDING, INC. | $21,690,000 | $10,735,000 | -50.5% | 0.4% |
| VeraBank | $8,950,000 | $10,430,000 | 16.5% | 0.4% |
| RANDOLPH-BROOKS | $3,650,000 | $10,350,000 | 183.6% | 0.4% |
| BOKF | $7,115,000 | $10,220,000 | 43.6% | 0.4% |
| RF Renovo Management Company, LLC | $3,275,000 | $9,320,000 | 184.6% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $8,875,000 | $9,315,000 | 5.0% | 0.3% |
| PLANET HOME LENDING, LLC | $1,740,000 | $9,075,000 | 421.6% | 0.3% |
| ORIX REAL ESTATE CAPITAL, LLC | $9,025,000 | n/a | 0.3% | |
| First United Bank and Trust Company | $11,720,000 | $8,700,000 | -25.8% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $19,600,000 | $8,490,000 | -56.7% | 0.3% |
| SeaTrust Mortgage Company | $4,850,000 | $8,315,000 | 71.4% | 0.3% |
| Network Funding, L.P. | $9,490,000 | $8,205,000 | -13.5% | 0.3% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $430,000 | $8,100,000 | 1,783.7% | 0.3% |
| Equity Prime Mortgage LLC | $9,090,000 | $8,100,000 | -10.9% | 0.3% |
| First Texas Bank | $1,760,000 | $8,070,000 | 358.5% | 0.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | $5,070,000 | $8,045,000 | 58.7% | 0.3% |
| First National Bank of Evant | $11,525,000 | $7,835,000 | -32.0% | 0.3% |
| Century Mortgage Company DBA Century Lending Company | $3,030,000 | $7,635,000 | 152.0% | 0.3% |
| Carrington Mortgage Services, LLC | $4,065,000 | $7,545,000 | 85.6% | 0.3% |
| CARDINAL FINANCIAL | $6,940,000 | $7,505,000 | 8.1% | 0.3% |
| PNC Bank | $7,715,000 | $7,500,000 | -2.8% | 0.3% |
| Bank of America | $6,540,000 | $6,770,000 | 3.5% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $6,250,000 | $6,640,000 | 6.2% | 0.2% |
| Plains Commerce Bank | $3,425,000 | $6,520,000 | 90.4% | 0.2% |
| UNIVERSITY Federal Credit Union | $7,585,000 | $6,365,000 | -16.1% | 0.2% |
| Trinity Oaks Mortgage, LLC | $3,845,000 | $6,125,000 | 59.3% | 0.2% |
| SUN WEST MORTGAGE COMPANY, INC. | $3,020,000 | $6,035,000 | 99.8% | 0.2% |
| AmeriHome Mortgage Company, LLC | $890,000 | $5,795,000 | 551.1% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $4,775,000 | $5,695,000 | 19.3% | 0.2% |
| Armed Forces Bank | $5,075,000 | $5,640,000 | 11.1% | 0.2% |
| PlainsCapital Bank | $5,635,000 | n/a | 0.2% | |
| A+ Federal Credit Union | $6,005,000 | $5,585,000 | -7.0% | 0.2% |
| LENDINGHOME FUNDING CORPORATION | $8,380,000 | $5,150,000 | -38.5% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $4,910,000 | $5,110,000 | 4.1% | 0.2% |
| Wells Fargo Bank | $12,935,000 | $4,955,000 | -61.7% | 0.2% |
| MORTGAGE FINANCIAL SERVICES, LLC | $1,515,000 | $4,940,000 | 226.1% | 0.2% |
| Florida Capital Bank | $115,000 | $4,560,000 | 3,865.2% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $4,880,000 | $4,245,000 | -13.0% | 0.2% |
| SENTE MORTGAGE, INC. | $4,205,000 | $4,235,000 | 0.7% | 0.2% |
| FIRST TECHNOLOGY | $4,205,000 | n/a | 0.2% | |
| NBKC BANK | $4,945,000 | $4,115,000 | -16.8% | 0.1% |
| Mid-Continent Funding, Inc. | $1,185,000 | $4,065,000 | 243.0% | 0.1% |
| Wallick & Volk, Inc. | $1,875,000 | $3,975,000 | 112.0% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $2,070,000 | $3,965,000 | 91.5% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $3,070,000 | $3,910,000 | 27.4% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $4,810,000 | $3,735,000 | -22.3% | 0.1% |
| M&T Bank | $2,240,000 | $3,610,000 | 61.2% | 0.1% |
| Discover Bank | $4,000,000 | $3,585,000 | -10.4% | 0.1% |
| CLEARPATH LENDING | $710,000 | $3,580,000 | 404.2% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $4,445,000 | $3,530,000 | -20.6% | 0.1% |
| The Loan Store, Inc. | $2,045,000 | $3,500,000 | 71.1% | 0.1% |
| GARDNER FINANCIAL SERVICES, LTD. | $3,290,000 | $3,480,000 | 5.8% | 0.1% |
| Frost Bank | $2,480,000 | $3,465,000 | 39.7% | 0.1% |
| A&D Mortgage LLC | $335,000 | $3,400,000 | 914.9% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $4,275,000 | $3,355,000 | -21.5% | 0.1% |
| SUMMIT FUNDING, INC. | $1,855,000 | $3,350,000 | 80.6% | 0.1% |
| LOANPAL, LLC | $2,310,000 | $3,345,000 | 44.8% | 0.1% |
| V.I.P. MORTGAGE, INC. | $1,785,000 | $3,315,000 | 85.7% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $6,485,000 | $3,265,000 | -49.7% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $5,815,000 | $3,220,000 | -44.6% | 0.1% |
| EVERETT FINANCIAL, INC. | $4,975,000 | $3,055,000 | -38.6% | 0.1% |
| GoPrime Mortgage, Inc. | $2,995,000 | n/a | 0.1% | |
| The Federal Savings Bank | $3,730,000 | $2,955,000 | -20.8% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $2,010,000 | $2,810,000 | 39.8% | 0.1% |
| BAY-VALLEY MORTGAGE GROUP | $235,000 | $2,780,000 | 1,083.0% | 0.1% |
| First Texas Bank | $1,760,000 | $2,780,000 | 58.0% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,865,000 | $2,715,000 | 45.6% | 0.1% |
| DEVELOPER'S MORTGAGE COMPANY | $2,700,000 | n/a | 0.1% | |
| Broadway National Bank | $200,000 | $2,630,000 | 1,215.0% | 0.1% |
| First National Bank of Central Texas | $1,535,000 | $2,620,000 | 70.7% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $1,745,000 | $2,570,000 | 47.3% | 0.1% |
| SECURITY SERVICE | $565,000 | $2,530,000 | 347.8% | 0.1% |
| SOUTHWEST FUNDING, LP | $2,475,000 | n/a | 0.1% | |
| U.S. Bank | $2,820,000 | $2,475,000 | -12.2% | 0.1% |
| OCMBC, INC. | $3,185,000 | $2,435,000 | -23.5% | 0.1% |
| NexBank | $2,085,000 | $2,335,000 | 12.0% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $19,880,000 | $2,295,000 | -88.5% | 0.1% |
| BETTER MORTGAGE CORPORATION | $260,000 | $2,160,000 | 730.8% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $605,000 | $2,155,000 | 256.2% | 0.1% |
| SFMC, LP | $1,305,000 | $2,060,000 | 57.9% | 0.1% |
| Encompass Lending Group, LP | $1,380,000 | $2,035,000 | 47.5% | 0.1% |
| Citizens National Bank | $1,045,000 | $2,025,000 | 93.8% | 0.1% |
| INTERLINC MORTGAGE SERVICES, LLC | $2,005,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $4,135,000 | $1,995,000 | -51.8% | 0.1% |
| Regions Bank | $8,265,000 | $1,965,000 | -76.2% | 0.1% |
| Frontier Bank of Texas | $1,745,000 | $1,930,000 | 10.6% | 0.1% |
| Classic Bank | $6,245,000 | $1,920,000 | -69.3% | 0.1% |
| GENEVA FINANCIAL, LLC | $1,540,000 | $1,875,000 | 21.8% | 0.1% |
| Citadel Servicing Corporation | $1,870,000 | n/a | 0.1% | |
| LOANPEOPLE, LLC | $4,310,000 | $1,855,000 | -57.0% | 0.1% |
| Truist | $2,895,000 | $1,835,000 | -36.6% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $3,475,000 | $1,795,000 | -48.3% | 0.1% |
| Brighton Bank | $570,000 | $1,735,000 | 204.4% | 0.1% |
| Credence Funding Corporation | $1,725,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $215,000 | $1,595,000 | 641.9% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $420,000 | $1,590,000 | 278.6% | 0.1% |
| Arbor Realty Trust, Inc. | $24,025,000 | $1,545,000 | -93.6% | 0.1% |
| First Financial Bank | $1,320,000 | $1,535,000 | 16.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,695,000 | $1,505,000 | -11.2% | 0.1% |
| The First National Bank of McGregor | $2,275,000 | $1,505,000 | -33.8% | 0.1% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $2,710,000 | $1,500,000 | -44.6% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $935,000 | $1,460,000 | 56.1% | 0.1% |
| PHH Mortgage Corporation | $445,000 | $1,430,000 | 221.3% | 0.1% |
| ENVOY MORTGAGE, LTD | $4,440,000 | $1,390,000 | -68.7% | 0.0% |
| NFM, INC. | $1,350,000 | $1,370,000 | 1.5% | 0.0% |
| Zions Bank | $365,000 | $1,365,000 | 274.0% | 0.0% |
| First National Bank of Shiner | $1,360,000 | n/a | 0.0% | |
| PILGRIM MORTGAGE LLC | $1,435,000 | $1,355,000 | -5.6% | 0.0% |
| SouthStar Bank, S.S.B. | $5,850,000 | $1,355,000 | -76.8% | 0.0% |
| NEXERA HOLDING LLC | $1,240,000 | $1,350,000 | 8.9% | 0.0% |
| READYCAP COMMERCIAL, LLC | $1,325,000 | n/a | 0.0% | |
| JMAC LENDING, INC. | $275,000 | $1,305,000 | 374.5% | 0.0% |
| Commerce Home Mortgage, Inc. | $925,000 | $1,290,000 | 39.5% | 0.0% |
| PREMIA MORTGAGE, LLC | $1,275,000 | n/a | 0.0% | |
| FBC MORTGAGE, LLC | $1,255,000 | n/a | 0.0% | |
| AMWEST FUNDING CORP. | $1,210,000 | $1,245,000 | 2.9% | 0.0% |
| COUNTRYPLACE MORTGAGE, LTD. | $1,900,000 | $1,245,000 | -34.5% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $2,015,000 | $1,215,000 | -39.7% | 0.0% |
| Texas Heritage National Bank | $1,200,000 | n/a | 0.0% | |
| CSL Financial, LLC | $660,000 | $1,180,000 | 78.8% | 0.0% |
| R Bank | $2,525,000 | $1,180,000 | -53.3% | 0.0% |
| PULTE MORTGAGE LLC | $1,175,000 | n/a | 0.0% | |
| BMO Harris Bank | $1,255,000 | $1,145,000 | -8.8% | 0.0% |
| ALLIANT CREDIT UNION | $195,000 | $1,140,000 | 484.6% | 0.0% |
| Grandview Bank | $1,140,000 | n/a | 0.0% | |
| Hometown Equity Mortgage, LLC | $145,000 | $1,140,000 | 686.2% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $2,205,000 | $1,135,000 | -48.5% | 0.0% |
| First Texas Bank | $1,760,000 | $1,120,000 | -36.4% | 0.0% |
| ZILLOW HOME LOANS, LLC | $1,430,000 | $1,115,000 | -22.0% | 0.0% |
| CANOPY MORTGAGE, LLC | $2,615,000 | $1,090,000 | -58.3% | 0.0% |
| Old National Bank | $1,085,000 | n/a | 0.0% | |
| UNITED BUILT HOMES, L.L.C. | $465,000 | $1,025,000 | 120.4% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,000,000 | $1,020,000 | 2.0% | 0.0% |
| Prosperity Bank | $37,255,000 | $1,000,000 | -97.3% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $2,325,000 | $1,000,000 | -57.0% | 0.0% |
| AMPLIFY | $1,005,000 | $990,000 | -1.5% | 0.0% |
| LEGEND LENDING CORPORATION | $1,130,000 | $970,000 | -14.2% | 0.0% |
| Ixonia Bank | $335,000 | $965,000 | 188.1% | 0.0% |
| CASTLE & COOKE MORTGAGE, LLC | $960,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $260,000 | $960,000 | 269.2% | 0.0% |
| SPRING EQ, LLC | $565,000 | $940,000 | 66.4% | 0.0% |
| Alcova Mortgage LLC | $1,335,000 | $935,000 | -30.0% | 0.0% |
| AMERISAVE MORTGAGE CORPORATION | $5,010,000 | $920,000 | -81.6% | 0.0% |
| City Bank | $550,000 | $905,000 | 64.5% | 0.0% |
| First Federal Bank | $895,000 | n/a | 0.0% | |
| First Guaranty Bank | $895,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $390,000 | $865,000 | 121.8% | 0.0% |
| Figure Lending LLC | $865,000 | n/a | 0.0% | |
| AMERICAN HERITAGE LENDING, INC. | $515,000 | $860,000 | 67.0% | 0.0% |
| Investmark Mortgage, LLC | $855,000 | n/a | 0.0% | |
| MLD MORTGAGE INC. | $365,000 | $850,000 | 132.9% | 0.0% |
| Golden Empire Mortgage, Inc. | $825,000 | n/a | 0.0% | |
| ENCORE BANK | $820,000 | n/a | 0.0% | |
| Residential Mortgage Solutions, Inc. | $815,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $670,000 | $795,000 | 18.7% | 0.0% |
| Sunflower Bank | $485,000 | $790,000 | 62.9% | 0.0% |
| Amarillo National Bank | $525,000 | $785,000 | 49.5% | 0.0% |
| First United Bank | $755,000 | n/a | 0.0% | |
| Incommons Bank, N.A. | $2,180,000 | $740,000 | -66.1% | 0.0% |
| Round Top State Bank | $515,000 | $710,000 | 37.9% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $405,000 | $695,000 | 71.6% | 0.0% |
| LENDINGONE, LLC | $5,580,000 | $695,000 | -87.5% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $6,430,000 | $690,000 | -89.3% | 0.0% |
| ARC HOME LLC | $920,000 | $690,000 | -25.0% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,820,000 | $685,000 | -62.4% | 0.0% |
| First Bank | $2,185,000 | $680,000 | -68.9% | 0.0% |
| Texas Mortgage Lending, LLC | $1,385,000 | $675,000 | -51.3% | 0.0% |
| First Option Mortgage, LLC | $670,000 | n/a | 0.0% | |
| NEW WAVE LENDING GROUP INC | $165,000 | $650,000 | 293.9% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $645,000 | n/a | 0.0% | |
| Credit Union of Texas | $1,700,000 | $615,000 | -63.8% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $250,000 | $610,000 | 144.0% | 0.0% |
| NEXUS SERIES B, LLC | $2,120,000 | $605,000 | -71.5% | 0.0% |
| STOCKTON MORTGAGE CORPORATION | $605,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $2,240,000 | $605,000 | -73.0% | 0.0% |
| Metro City Bank | $340,000 | $595,000 | 75.0% | 0.0% |
| TJC Mortgage, Inc. | $295,000 | $595,000 | 101.7% | 0.0% |
| Centennial Bank | $585,000 | n/a | 0.0% | |
| Independent Bank | $720,000 | $580,000 | -19.4% | 0.0% |
| TOWNE MORTGAGE COMPANY | $1,155,000 | $580,000 | -49.8% | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $765,000 | $570,000 | -25.5% | 0.0% |
| United Heritage Credit Union | $215,000 | $555,000 | 158.1% | 0.0% |
| S1L, Inc. | $360,000 | $550,000 | 52.8% | 0.0% |
| Deere Employees Credit Union | $545,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $475,000 | $535,000 | 12.6% | 0.0% |
| AMERICAN FINANCING CORPORATION | $785,000 | $535,000 | -31.8% | 0.0% |
| INTERCAP LENDING INC. | $530,000 | n/a | 0.0% | |
| American National Bank & Trust | $1,060,000 | $525,000 | -50.5% | 0.0% |
| THE MORTGAGE LINK, INC. | $1,550,000 | $525,000 | -66.1% | 0.0% |
| Morgan Stanley Private Bank | $445,000 | $515,000 | 15.7% | 0.0% |
| VELOCIO MORTGAGE L.L.C. | $225,000 | $515,000 | 128.9% | 0.0% |
| MORTGAGEONE, INC. | $500,000 | $510,000 | 2.0% | 0.0% |
| Nations Lending Corporation | $1,110,000 | $510,000 | -54.1% | 0.0% |
| UNION HOME MORTGAGE CORP. | $1,145,000 | $510,000 | -55.5% | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $595,000 | $505,000 | -15.1% | 0.0% |
| Home Mortgage Alliance Corp | $500,000 | n/a | 0.0% | |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $495,000 | n/a | 0.0% | |
| International Bank of Commerce | $245,000 | $495,000 | 102.0% | 0.0% |
| Beeline Loans, Inc. | $485,000 | n/a | 0.0% | |
| CityWorth Mortgage LLC | $375,000 | $475,000 | 26.7% | 0.0% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $285,000 | $470,000 | 64.9% | 0.0% |
| NBH Bank | $470,000 | n/a | 0.0% | |
| North American Savings Bank, F.S.B. | $970,000 | $470,000 | -51.5% | 0.0% |
| Stifel Bank and Trust | $820,000 | $465,000 | -43.3% | 0.0% |
| H E B | $715,000 | $450,000 | -37.1% | 0.0% |
| Baxter Credit Union | $45,000 | $435,000 | 866.7% | 0.0% |
| NP, Inc. | $580,000 | $430,000 | -25.9% | 0.0% |
| AMOCO | $415,000 | n/a | 0.0% | |
| VELOCITY Credit Union | $70,000 | $415,000 | 492.9% | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $205,000 | $410,000 | 100.0% | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $405,000 | n/a | 0.0% | |
| COREVEST AMERICAN FINANCE LENDER LLC | $405,000 | n/a | 0.0% | |
| NORWICH COMMERCIAL GROUP, INC. | $265,000 | $395,000 | 49.1% | 0.0% |
| Texana Bank | $395,000 | n/a | 0.0% | |
| DIRECTIONS EQUITY, LLC | $255,000 | $390,000 | 52.9% | 0.0% |
| LRS FINANCIAL NETWORK, INC. | $275,000 | $390,000 | 41.8% | 0.0% |
| ALTRA | $385,000 | n/a | 0.0% | |
| CLM MORTGAGE, INC | $1,040,000 | $385,000 | -63.0% | 0.0% |
| Granite Community Bank | $385,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $255,000 | $380,000 | 49.0% | 0.0% |
| Affiliated Bank | $2,710,000 | $375,000 | -86.2% | 0.0% |
| OPEN MORTGAGE, LLC | $285,000 | $375,000 | 31.6% | 0.0% |
| Prosperity Home Mortgage, LLC | $375,000 | $375,000 | 0.0% | 0.0% |
| Republic State Mortgage Co. | $375,000 | n/a | 0.0% | |
| Today's Bank | $375,000 | n/a | 0.0% | |
| The Central Trust Bank | $365,000 | n/a | 0.0% | |
| Citibank | $310,000 | $355,000 | 14.5% | 0.0% |
| EAGLE HOME MORTGAGE, LLC | $355,000 | n/a | 0.0% | |
| Leader Bank | $355,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $255,000 | $355,000 | 39.2% | 0.0% |
| Merchants Bank of Indiana | $345,000 | n/a | 0.0% | |
| RANLIFE, INC. | $345,000 | n/a | 0.0% | |
| Texas Bank and Trust Company | $345,000 | n/a | 0.0% | |
| Arvest Bank | $85,000 | $335,000 | 294.1% | 0.0% |
| East Coast Capital Corp. | $325,000 | n/a | 0.0% | |
| First National Bank of America | $685,000 | $320,000 | -53.3% | 0.0% |
| BM Real Estate Services, Inc. | $285,000 | $315,000 | 10.5% | 0.0% |
| COMPASS MORTGAGE, INC. | $315,000 | n/a | 0.0% | |
| SIRVA MORTGAGE, INC. | $630,000 | $315,000 | -50.0% | 0.0% |
| TRUWEST Credit Union | $310,000 | n/a | 0.0% | |
| FORT SILL | $305,000 | n/a | 0.0% | |
| Vellum Mortgage, Inc. | $595,000 | $305,000 | -48.7% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $295,000 | n/a | 0.0% | |
| NEW DAY FINANCIAL, LLC | $325,000 | $295,000 | -9.2% | 0.0% |
| UNITED MORTGAGE CORP | $295,000 | n/a | 0.0% | |
| FOUNDATION MORTGAGE CORPORATION | $285,000 | n/a | 0.0% | |
| FUNDLOANS CAPITAL | $315,000 | $285,000 | -9.5% | 0.0% |
| Northpointe Bank | $1,890,000 | $280,000 | -85.2% | 0.0% |
| Ameris Bank | $205,000 | $275,000 | 34.1% | 0.0% |
| Loan Simple, Inc. | $815,000 | $275,000 | -66.3% | 0.0% |
| MidFirst Bank | $1,045,000 | $275,000 | -73.7% | 0.0% |
| The Huntington National Bank | $880,000 | $275,000 | -68.8% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $265,000 | n/a | 0.0% | |
| Legends Bank | $265,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $2,370,000 | $265,000 | -88.8% | 0.0% |
| NMSI, INC. | $705,000 | $265,000 | -62.4% | 0.0% |
| Servion, Inc. | $265,000 | n/a | 0.0% | |
| TEXAS TECH | $295,000 | $265,000 | -10.2% | 0.0% |
| AUSTIN TELCO Federal Credit Union | $360,000 | $255,000 | -29.2% | 0.0% |
| GSF Mortgage Corporation | $255,000 | n/a | 0.0% | |
| Logan Finance Corporation | $255,000 | n/a | 0.0% | |
| FidelityLending Solutions Inc. dba Wholesale Mortgage Bankers | $245,000 | n/a | 0.0% | |
| First Liberty Bank | $245,000 | n/a | 0.0% | |
| GSB MORTGAGE, INC. | $165,000 | $245,000 | 48.5% | 0.0% |
| SPIRIT OF ALASKA | $135,000 | $245,000 | 81.5% | 0.0% |
| GMFS LLC | $240,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $410,000 | $240,000 | -41.5% | 0.0% |
| Acre Mortgage and Financial Inc | $235,000 | n/a | 0.0% | |
| Citizens State Bank | $255,000 | $235,000 | -7.8% | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | $235,000 | n/a | 0.0% | |
| EASTMAN | $225,000 | n/a | 0.0% | |
| Fifth Third Bank | $65,000 | $225,000 | 246.2% | 0.0% |
| Flanagan State Bank | $225,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $295,000 | $225,000 | -23.7% | 0.0% |
| Montgomery Bank | $225,000 | n/a | 0.0% | |
| Valliance Bank | $225,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $220,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $450,000 | $215,000 | -52.2% | 0.0% |
| First Federal Bank | $215,000 | n/a | 0.0% | |
| TIB The Independent Bankersbank | $645,000 | $210,000 | -67.4% | 0.0% |
| AAXY L.L.C. | $785,000 | $205,000 | -73.9% | 0.0% |
| Bank 7 | $205,000 | n/a | 0.0% | |
| Kwik Mortgage Corporation | $1,220,000 | $205,000 | -83.2% | 0.0% |
| LOANLEADERS OF AMERICA, INC. | $195,000 | n/a | 0.0% | |
| Magnolia Bank | $135,000 | $195,000 | 44.4% | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $185,000 | n/a | 0.0% | |
| GREATER TEXAS FEDERAL CREDIT UNION | $425,000 | $185,000 | -56.5% | 0.0% |
| HALLMARK HOME MORTGAGE, LLC | $185,000 | n/a | 0.0% | |
| Ally Bank | $985,000 | $165,000 | -83.2% | 0.0% |
| American Bank, N.A. | $240,000 | $165,000 | -31.3% | 0.0% |
| BAY EQUITY LLC | $935,000 | $165,000 | -82.4% | 0.0% |
| DELMAR FINANCIAL COMPANY | $165,000 | n/a | 0.0% | |
| The First National Bank of Hughes Springs | $165,000 | n/a | 0.0% | |
| EECU | $455,000 | $160,000 | -64.8% | 0.0% |
| Luxury Mortgage Corp. | $155,000 | n/a | 0.0% | |
| 1ST FINANCIAL, INC. | $145,000 | n/a | 0.0% | |
| Axos Bank | $145,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $410,000 | $145,000 | -64.6% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $270,000 | $145,000 | -46.3% | 0.0% |
| Merchants Mortgage & Trust Corporation | $145,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $135,000 | n/a | 0.0% | |
| CAPITOL CREDIT UNION | $125,000 | $130,000 | 4.0% | 0.0% |
| PUBLIC EMPLOYEES Credit Union | $75,000 | $130,000 | 73.3% | 0.0% |
| Bank of England | $820,000 | $105,000 | -87.2% | 0.0% |
| Integrity Home Mortgage Corp | $105,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $95,000 | $105,000 | 10.5% | 0.0% |
| CERTIFIED FUNDING, L.P. | $350,000 | $95,000 | -72.9% | 0.0% |
| FirstBank | $225,000 | $95,000 | -57.8% | 0.0% |
| American Bank | $795,000 | $85,000 | -89.3% | 0.0% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $85,000 | n/a | 0.0% | |
| RB MORTGAGE LLC | $395,000 | $85,000 | -78.5% | 0.0% |
| American Bank of Commerce | $245,000 | $75,000 | -69.4% | 0.0% |
| First Bank & Trust Co. | $75,000 | n/a | 0.0% | |
| GENCO Federal Credit Union | $75,000 | n/a | 0.0% | |
| VAL-CHRIS INVESTMENTS, INC. | $75,000 | n/a | 0.0% | |
| Assurance Financial Group, L.L.C. | $335,000 | $65,000 | -80.6% | 0.0% |
| CHEVRON | $65,000 | n/a | 0.0% | |
| EDUCATORS CREDIT UNION | $275,000 | $55,000 | -80.0% | 0.0% |
| MEMBERS TRUST OF THE SOUTHWEST FCU | $55,000 | n/a | 0.0% | |
| MOBILOIL | $55,000 | n/a | 0.0% | |
| TEACHERS | $355,000 | $45,000 | -87.3% | 0.0% |
| First Central Credit Union | $55,000 | $35,000 | -36.4% | 0.0% |
| GOVERNMENT EMPLOYEES FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
| The First National Bank of Granbury | $35,000 | n/a | 0.0% | |
| CHARTWAY FEDERAL CREDIT UNION | $165,000 | $25,000 | -84.8% | 0.0% |
KILLEEN - TEMPLE's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 11.2% market share. In second place, with 9.3%, is DHI MORTGAGE COMPANY, LTD., having originated $259,510,000 in loans. In third place, with 6.7%, is Mortgage Research Center, LLC, having originated $187,455,000 in loans. In fourth place, with 6.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $180,125,000 in loans. In fifth place, with 4.8%, is First National Bank Texas, having originated $134,060,000 in loans.
KILLEEN-TEMPLE, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 7,068 | $2,072,470,000 | $293,219 |
| Refi | 1,403 | $488,755,000 | $348,364 |
| Cash Out Refi | 947 | $165,865,000 | $175,148 |
| Other | 511 | $51,775,000 | $101,321 |
| Home Improvement | 212 | $20,250,000 | $95,519 |
| NA | 5 | $1,135,000 | $227,000 |
Killeen - Temple's most frequently cited loan purpose was Home Purchase, with 7,068 originations. The 2nd most popular reason was Refi, with 1,403 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 3,809 | $1,086,185,000 | $285,163 |
| 5-6% | 2,323 | $726,055,000 | $312,551 |
| 7-8% | 1,736 | $408,310,000 | $235,202 |
| Over 8% | 970 | $155,040,000 | $159,835 |
| 4-5% | 821 | $252,175,000 | $307,156 |
| 3-4% | 165 | $48,005,000 | $290,939 |
| <2.5% | 31 | $1,455,000 | $46,935 |
| 2.5-3% | 16 | $4,590,000 | $286,875 |
During 2024, Killeen - Temple's most frequently originated rate bucket was 6-7%, with 3,809 originations.
Loan Sizing (KILLEEN-TEMPLE, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 5,527 | $1,566,765,000 | $283,475 |
| $100k-200k | 2,173 | $337,135,000 | $155,147 |
| $100,000 or less | 1,112 | $67,040,000 | $60,288 |
| $400k-600k | 1,019 | $482,325,000 | $473,332 |
| $600k-1000k | 265 | $186,355,000 | $703,226 |
| $Over $1MM | 50 | $160,630,000 | $3,212,600 |
KILLEEN - TEMPLE's loan sizing saw the bucket of loans from $200k-400k with 5,527 originations, totaling $1,566,765,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 5,337 | $1,598,555,000 | $299,523 |
| 60-80% | 1,541 | $391,335,000 | $253,949 |
| Over 100% | 1,089 | $356,575,000 | $327,433 |
| 40-60% | 552 | $149,150,000 | $270,199 |
| 20-40% | 522 | $54,870,000 | $105,115 |
| Under 20% | 494 | $26,820,000 | $54,291 |
KILLEEN - TEMPLE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 5,337 originations, totaling $1,598,555,000 in origination value.