Kingsville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Kingsville averaged
6.61%
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
6.94% and
one month ago for the week of 2025-05-15, the
average rate was 7.01%.
Kingsville's average rate one year ago was 7.15%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.01%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Kingsville 30 Year Fixed Rate | 2025-06-18 | 6.61% |
| Kingsville 30 Year Fixed Rate Refi | 2025-06-18 | 7.01% |
| Kingsville 15 Year Fixed Rate | 2025-06-18 | 6.06% |
| Kingsville 15 Year Fixed Rate Refi | 2025-06-18 | 6.46% |
| Kingsville 30 Year FHA | 2025-06-18 | 0.1% |
| Kingsville 30 Year FHA Refi | 2025-06-18 | 0% |
| Kingsville 30 Year VA | 2025-06-18 | 0.2% |
| Kingsville 30 Year VA Refi | 2025-06-18 | 0% |
Kingsville 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 Kingsville, 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.).
Kingsville Average Closing Costs & Other Stats
Kingsville, TX's 33 lenders originated 284
loans during 2024. The total origination value was $67,320,000, with an average loan value of
$237,042.
Kingsville's average closing costs are $6,153.
The top Kingsville lender as defined by loan originations is JPMorgan Chase Bank, with
9 loans originated. Their average total fees are
$6,223, which is $503
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Kingsville lenders (with over 10 loans originated) are
.
The lowest rate Kingsville lenders (with over 10 loans originated) are
.
Kingsville, 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 |
|---|---|---|---|---|
| BERKELEY POINT CAPITAL LLC | $10,255,000 | n/a | 15.2% | |
| Mortgage Research Center, LLC | $6,445,000 | $8,650,000 | 34.2% | 12.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $1,895,000 | $4,560,000 | 140.6% | 6.8% |
| QUICKEN LOANS, LLC | $3,595,000 | $3,260,000 | -9.3% | 4.8% |
| NAVY ARMY COMMUNITY CREDIT UNION | $4,710,000 | $3,245,000 | -31.1% | 4.8% |
| NAVY FEDERAL CREDIT UNION | $1,565,000 | $2,655,000 | 69.6% | 3.9% |
| Simmons Bank | $165,000 | $2,265,000 | 1,272.7% | 3.4% |
| First Community Bank | $4,440,000 | $2,065,000 | -53.5% | 3.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $975,000 | $1,895,000 | 94.4% | 2.8% |
| JPMorgan Chase Bank | $430,000 | $1,690,000 | 293.0% | 2.5% |
| CMG MORTGAGE, INC. | $940,000 | $1,445,000 | 53.7% | 2.1% |
| UNION HOME MORTGAGE CORP. | $1,195,000 | $1,055,000 | -11.7% | 1.6% |
| FREEDOM MORTGAGE CORPORATION | $275,000 | $1,050,000 | 281.8% | 1.6% |
| SECURITY SERVICE | $950,000 | $1,010,000 | 6.3% | 1.5% |
| LOANDEPOT.COM, LLC | $1,015,000 | $960,000 | -5.4% | 1.4% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $495,000 | $955,000 | 92.9% | 1.4% |
| 21ST MORTGAGE CORPORATION | $540,000 | $710,000 | 31.5% | 1.1% |
| AMERICAN HERITAGE LENDING, INC. | $695,000 | n/a | 1.0% | |
| GUILD MORTGAGE COMPANY | $850,000 | $695,000 | -18.2% | 1.0% |
| Flagstar Bank, FSB | $665,000 | n/a | 1.0% | |
| GUARANTEED RATE, INC. | $660,000 | n/a | 1.0% | |
| PENNYMAC LOAN SERVICES, LLC | $690,000 | $660,000 | -4.3% | 1.0% |
| Prosperity Bank | $3,110,000 | $660,000 | -78.8% | 1.0% |
| Mr. Cooper ( Nationstar Mortgage ) | $305,000 | $650,000 | 113.1% | 1.0% |
| Gateway First Bank | $1,210,000 | $645,000 | -46.7% | 1.0% |
| LENDINGHOME FUNDING CORPORATION | $620,000 | n/a | 0.9% | |
| BETTER MORTGAGE CORPORATION | $580,000 | n/a | 0.9% | |
| Wells Fargo Bank | $740,000 | $580,000 | -21.6% | 0.9% |
| BROKER SOLUTIONS, INC. | $340,000 | $560,000 | 64.7% | 0.8% |
| GENEVA FINANCIAL, LLC | $170,000 | $535,000 | 214.7% | 0.8% |
| Sierra Pacific Mortgage Company, Inc. | $475,000 | n/a | 0.7% | |
| The Loan Store, Inc. | $445,000 | n/a | 0.7% | |
| ZILLOW HOME LOANS, LLC | $265,000 | $430,000 | 62.3% | 0.6% |
| Paramount Residential Mortgage Group, Inc. | $275,000 | $390,000 | 41.8% | 0.6% |
| DIRECTIONS EQUITY, LLC | $385,000 | n/a | 0.6% | |
| First National Bank of East Texas | $375,000 | n/a | 0.6% | |
| Kleberg Bank, N.A | $105,000 | $375,000 | 257.1% | 0.6% |
| PNC Bank | $550,000 | $375,000 | -31.8% | 0.6% |
| EVERETT FINANCIAL, INC. | $270,000 | $360,000 | 33.3% | 0.5% |
| U.S. Bank | $125,000 | $350,000 | 180.0% | 0.5% |
| Hamilton Mortgage Corporation | $305,000 | n/a | 0.5% | |
| S1L, Inc. | $285,000 | n/a | 0.4% | |
| UNITED BUILT HOMES, L.L.C. | $710,000 | $285,000 | -59.9% | 0.4% |
| ALTRA | $275,000 | n/a | 0.4% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $315,000 | $260,000 | -17.5% | 0.4% |
| RANDOLPH-BROOKS | $510,000 | $260,000 | -49.0% | 0.4% |
| Century Mortgage Company DBA Century Lending Company | $255,000 | n/a | 0.4% | |
| Cornerstone First Mortgage, Inc | $255,000 | n/a | 0.4% | |
| VILLAGE CAPITAL MORTGAGE | $255,000 | n/a | 0.4% | |
| HOMEXPRESS MORTGAGE CORP. | $235,000 | n/a | 0.3% | |
| RF Renovo Management Company, LLC | $105,000 | $210,000 | 100.0% | 0.3% |
| Hometown Equity Mortgage, LLC | $205,000 | n/a | 0.3% | |
| NUSENDA | $205,000 | n/a | 0.3% | |
| Nations Lending Corporation | $195,000 | n/a | 0.3% | |
| NBKC BANK | $195,000 | n/a | 0.3% | |
| SOUTHWEST FUNDING, LP | $180,000 | n/a | 0.3% | |
| LEGEND LENDING CORPORATION | $175,000 | n/a | 0.3% | |
| MID AMERICA MORTGAGE, INC. | $160,000 | $175,000 | 9.4% | 0.3% |
| ARC HOME LLC | $165,000 | n/a | 0.2% | |
| NATIONS RELIABLE LENDING, LLC | $155,000 | $165,000 | 6.5% | 0.2% |
| TEXAS DOW EMPLOYEES CREDIT UNION | $155,000 | n/a | 0.2% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $145,000 | n/a | 0.2% | |
| RB MORTGAGE LLC | $405,000 | $145,000 | -64.2% | 0.2% |
| COUNTRYPLACE MORTGAGE, LTD. | $455,000 | $125,000 | -72.5% | 0.2% |
| NEWREZ LLC | $715,000 | $125,000 | -82.5% | 0.2% |
| SeaTrust Mortgage Company | $125,000 | n/a | 0.2% | |
| SUMMIT FUNDING, INC. | $125,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $115,000 | n/a | 0.2% | |
| Discover Bank | $110,000 | n/a | 0.2% | |
| DEEPHAVEN MORTGAGE LLC | $105,000 | n/a | 0.2% | |
| NexBank | $105,000 | n/a | 0.2% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $95,000 | n/a | 0.1% | |
| First National Bank Texas | $95,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,065,000 | $95,000 | -91.1% | 0.1% |
| AmeriHome Mortgage Company, LLC | $85,000 | n/a | 0.1% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $85,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $45,000 | n/a | 0.1% | |
| Frost Bank | $35,000 | n/a | 0.1% | |
| Bank of America | $395,000 | $25,000 | -93.7% | 0.0% |
| International Bank of Commerce | $35,000 | $25,000 | -28.6% | 0.0% |
Kingsville's top lender by overall market share is BERKELEY POINT CAPITAL LLC, with 15.2% market share. In second place, with 12.8%, is Mortgage Research Center, LLC, having originated $8,650,000 in loans. In third place, with 6.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $4,560,000 in loans. In fourth place, with 4.8%, is QUICKEN LOANS, LLC, having originated $3,260,000 in loans. In fifth place, with 4.8%, is NAVY ARMY COMMUNITY CREDIT UNION, having originated $3,245,000 in loans.
Kingsville, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 186 | $51,330,000 | $275,968 |
| Cash Out Refi | 38 | $6,120,000 | $161,053 |
| Refi | 36 | $8,030,000 | $223,056 |
| Other | 13 | $1,095,000 | $84,231 |
| Home Improvement | 11 | $745,000 | $67,727 |
Kingsville's most frequently cited loan purpose was Home Purchase, with 186 originations. The 2nd most popular reason was Cash Out Refi, with 38 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 113 | $25,915,000 | $229,336 |
| 7-8% | 61 | $12,095,000 | $198,279 |
| Over 8% | 45 | $5,395,000 | $119,889 |
| 5-6% | 40 | $8,870,000 | $221,750 |
| 4-5% | 6 | $11,910,000 | $1,985,000 |
| <2.5% | 2 | $10,000 | $5,000 |
| 2.5-3% | 2 | $310,000 | $155,000 |
During 2024, Kingsville's most frequently originated rate bucket was 6-7%, with 113 originations.
Loan Sizing (Kingsville, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 109 | $16,145,000 | $148,119 |
| $200k-400k | 103 | $27,835,000 | $270,243 |
| $100,000 or less | 53 | $3,455,000 | $65,189 |
| $400k-600k | 17 | $7,855,000 | $462,059 |
| $Over $1MM | 2 | $12,030,000 | $6,015,000 |
Kingsville's loan sizing saw the bucket of loans from $100k-200k with 109 originations, totaling $16,145,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 141 | $42,855,000 | $303,936 |
| 60-80% | 62 | $11,950,000 | $192,742 |
| 40-60% | 17 | $2,425,000 | $142,647 |
| Under 20% | 15 | $545,000 | $36,333 |
| 20-40% | 14 | $1,190,000 | $85,000 |
| Over 100% | 9 | $2,055,000 | $228,333 |
Kingsville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 141 originations, totaling $42,855,000 in origination value.