MCALLEN - EDINBURG - MISSION Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Mcallen - Edinburg - Mission averaged 6.9% 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 6.73% and one month ago for the week of 2025-05-15, the average rate was 7%.

Mcallen - Edinburg - Mission's average rate one year ago was 7.14%.

For refis of the same type during the week of 2025-06-18, the average rate was 7.23%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Mcallen - Edinburg - Mission 30 Year Fixed Rate 2025-06-18 6.9%
Mcallen - Edinburg - Mission 30 Year Fixed Rate Refi 2025-06-18 7.23%
Mcallen - Edinburg - Mission 15 Year Fixed Rate 2025-06-18 6.23%
Mcallen - Edinburg - Mission 15 Year Fixed Rate Refi 2025-06-18 6.46%
Mcallen - Edinburg - Mission 30 Year FHA 2025-06-18 0.01%
Mcallen - Edinburg - Mission 30 Year FHA Refi 2025-06-18 -0.4%
Mcallen - Edinburg - Mission 30 Year USDA 2025-06-18 -0.2%
Mcallen - Edinburg - Mission 30 Year USDA Refi 2025-06-18 0%
Mcallen - Edinburg - Mission 30 Year VA 2025-06-18 -0.05%
Mcallen - Edinburg - Mission 30 Year VA Refi 2025-06-18 -0.6%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within MCALLEN-EDINBURG-MISSION, TX.

MCALLEN - EDINBURG - MISSION 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 MCALLEN-EDINBURG-MISSION, 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
JPMorgan Chase Bank 300 6.37% $7,308
QUICKEN LOANS, LLC 266 7.06% $6,925
NAVY ARMY COMMUNITY CREDIT UNION 166 7.11% $3,790
CMG MORTGAGE, INC. 128 6.70% $8,810
UNITED WHOLESALE MORTGAGE, LLC 111 6.67% $8,700
CROSSCOUNTRY MORTGAGE, LLC 105 7.06% $9,256
WILLOW BEND MORTGAGE COMPANY, LLC 94 6.87% $13,713
MOVEMENT MORTGAGE, LLC 82 6.78% $9,228
SECURITY SERVICE 69 6.89% $4,438
DIRECTIONS EQUITY, LLC 60 6.46% $7,857
DAS Acquisition Company, LLC 57 6.47% $7,635
HOMESIDE FINANCIAL, LLC 56 6.49% $7,752
ASCENT HOME LENDING, LLC 49 6.50% $9,812
GUARANTEED RATE, INC. 48 6.38% $7,230
Lone Star National Bank 46 6.86% $9,746
Flagstar Bank, FSB 39 6.90% $7,861
International Bank of Commerce 32 7.21% $5,352
Paramount Residential Mortgage Group, Inc. 23 6.67% $12,248
Nations Lending Corporation 23 6.60% $8,646
LOANDEPOT.COM, LLC 21 6.75% $7,284
INTERLINC MORTGAGE SERVICES, LLC 21 6.89% $9,372
PROVIDENT FUNDING ASSOCIATES, L.P. 18 6.35% $7,625
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 17 6.61% $9,105
Mr. Cooper ( Nationstar Mortgage ) 16 7.18% $8,353
PNC Bank 16 6.81% $4,825
Wells Fargo Bank 15 6.75% $5,547
ROYAL UNITED MORTGAGE LLC 14 7.14% $11,003
NATIONS RELIABLE LENDING, LLC 14 7.13% $9,115
U.S. Bank 14 6.49% $5,645
Texas Regional Bank 13 7.03% $6,466
PENNYMAC LOAN SERVICES, LLC 12 6.74% $8,650
Bank of America 11 6.73% $4,512
NEWREZ LLC 11 7.43% $8,736
Carrington Mortgage Services, LLC 10 7.79% $8,549
SECURITY FIRST Federal Credit Union 9 6.01% $5,432
AMERICAN PACIFIC MORTGAGE CORPORATION 9 6.90% $10,266
Discover Bank 9 7.44% $0
Frost Bank 9 5.43% $2,946
PLAZA HOME MORTGAGE, INC. 8 6.67% $8,885
BROKER SOLUTIONS, INC. 8 6.92% $9,617
Gateway First Bank 8 7.27% $6,145
The Loan Store, Inc. 8 6.94% $8,224
NAVY FEDERAL CREDIT UNION 7 6.63% $5,499
SOUTHWEST FUNDING, LP 7 6.86% $8,405
AMERICAN PORTFOLIO MORTGAGE CORPORATION 7 6.62% $7,846
PRIMARY RESIDENTIAL MORTGAGE, INC. 6 7.21% $5,206
LOANPAL, LLC 6 7.02% $8,756
CITY FIRST MORTGAGE SERVICES, L.L.C. 6 6.58% $9,623
PRIMELENDING, A PLAINSCAPITAL COMPANY 6 6.93% $6,852
LAND HOME FINANCIAL SERVICES, INC. 6 7.60% $10,369
Mortgage Research Center, LLC 5 7.20% $5,297
SECURITYNATIONAL MORTGAGE COMPANY 5 6.85% $14,425
RANDOLPH-BROOKS 5 6.88% $1,846
ENVOY MORTGAGE, LTD 4 6.65% $9,067
UNION HOME MORTGAGE CORP. 4 7.28% $7,690
PENTAGON FEDERAL CREDIT UNION 4 6.84% $4,432
EUSTIS AND AMERICAN MORTGAGE COMPANY 4 7.37% $9,477
TIB The Independent Bankersbank 4 6.94% $8,493
EVERETT FINANCIAL, INC. 4 6.88% $9,508
BETTER MORTGAGE CORPORATION 4 5.97% $5,844
Plains Commerce Bank 4 6.53% $11,579
DEEPHAVEN MORTGAGE LLC 3 9.00% $11,611
Century Mortgage Company DBA Century Lending Company 3 6.88% $8,587
NBKC BANK 3 6.29% $6,111
TEXAS DOW EMPLOYEES CREDIT UNION 3 7.29% $5,903
UNIVERSITY Federal Credit Union 3 6.54% $7,628
BM Real Estate Services, Inc. 3 7.29% $9,201
Stifel Bank and Trust 3 5.88% $3,430
Ally Bank 3 6.71% $12,273
The Huntington National Bank 3 6.71% $13,050
ANGEL OAK MORTGAGE SOLUTIONS LLC 3 6.92% $14,124
GUILD MORTGAGE COMPANY 3 6.92% $12,050
MORIA DEVELOPMENT, INC. 3 7.54% $4,553
SUN WEST MORTGAGE COMPANY, INC. 3 6.38% $8,858
GREENSTATE CREDIT UNION 2 6.88% $4,638
A&D Mortgage LLC 2 9.63% $10,590
AMERICAN HERITAGE LENDING, INC. 2 9.44% $5,144
AMERISAVE MORTGAGE CORPORATION 2 5.94% $11,756
BancorpSouth 2 6.88% $11,995
BAY EQUITY LLC 2 6.50% $4,111
BAYSHORE MORTGAGE FUNDING, LLC 2 5.93% $11,556
CARDINAL FINANCIAL 2 7.13% $8,689
City Bank 2 7.13% $8,212
Farm Credit Mid-America, ACA 2 7.25% $11,272
FOUNDATION MORTGAGE CORPORATION 2 9.38% $8,014
FREEDOM MORTGAGE CORPORATION 2 7.50% $7,334
21ST MORTGAGE CORPORATION 2 8.81% $6,476
GUARANTEED RATE AFFINITY, LLC 2 6.38% $4,924
HOMEXPRESS MORTGAGE CORP. 2 8.38% $11,824
MID AMERICA MORTGAGE, INC. 2 7.13% $3,879
Morgan Stanley Private Bank 2 5.95% $9,778
MUTUAL OF OMAHA MORTGAGE, INC. 2 6.68% $10,825
NexBank 2 6.44% $4,803
NP, Inc. 2 8.25% $885
OCMBC, INC. 2 8.75% $11,499
PHH Mortgage Corporation 2 7.81% $5,040
Quontic Bank 2 8.06% $9,223
SIRVA MORTGAGE, INC. 2 6.25% $5,819
USAA Federal Savings Bank 2 6.44% $4,463
VANDERBILT MORTGAGE AND FINANCE, INC. 2 8.25% $7,274
Kwik Mortgage Corporation 1 6.63% $3,824
INTEGRITY MORTGAGE CORPORATION OF TEXAS 1 6.12% $7,122
HSBC BANK USA, NATIONAL ASSOCIATION 1 6.92% $3,836
HOMETRUST MORTGAGE COMPANY 1 8.00% $6,133
NETWORK CAPITAL FUNDING CORPORATION 1 7.00% $7,429
Network Funding, L.P. 1 7.00% $8,325
Hometown Equity Mortgage, LLC 1 8.88% $16,241
AMERICAN FINANCIAL RESOURCES, INC. 1 6.50% $4,217
NEXERA HOLDING LLC 1 8.13% $11,183
NFM, INC. 1 6.99% $7,182
NMSI, INC. 1 7.75% $6,506
Zions Bank 1 7.13% $6,361
OAKTREE FUNDING CORP. 1 9.25% $9,303
Wallick & Volk, Inc. 1 7.00% $5,379
ON Q FINANCIAL, INC. 1 5.88% $3,663
OPEN MORTGAGE, LLC 1 8.75% $9,443
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 6.50% $5,614
GULF COAST EDUCATORS FEDERAL CREDIT UNION 1 6.00% $6,289
GUIDANCE RESIDENTIAL, LLC 1 7.00% $9,571
AMERICAN FINANCIAL NETWORK, INC. 1 8.63% $4,706
Florida Capital Bank 1 7.25% $3,264
PLANET HOME LENDING, LLC 1 6.99% $1,682
First Federal Bank 1 6.63% $4,063
First Bank 1 7.13% $6,818
PREMIA MORTGAGE, LLC 1 7.13% $2,833
PREMIER AMERICA 1 6.88% $3,928
Fifth Third Bank 1 6.63% $2,144
Devon Bank 1 7.63% $2,766
DEVELOPER'S MORTGAGE COMPANY 1 7.63% $7,927
COMMUNITY MORTGAGE FUNDING, LLC 1 8.38% $6,155
Western State Bank 1 7.63% $7,314
RADIUS FINANCIAL GROUP INC. 1 6.88% $8,556
Commerce Home Mortgage, Inc. 1 9.50% $17,823
RANLIFE, INC. 1 6.25% $3,845
Regions Bank 1 6.50% $6,175
Comerica Bank 1 6.99% $4,206
SeaTrust Mortgage Company 1 7.63% $12,409
CityWorth Mortgage LLC 1 6.13% $7,306
Citizens Bank 1 7.63% $8,502
Citibank 1 7.13% $4,628
SFMC, LP 1 7.13% $7,874
SHELL FEDERAL CREDIT UNION 1 6.38% $4,566
Affiliated Bank 1 6.38% $9,618
Citadel Servicing Corporation 1 8.63% $18,485
CHURCHILL MORTGAGE CORPORATION 1 6.50% $5,482
Sunflower Bank 1 6.63% $10,078
Centennial Bank 1 6.50% $6,046
T2 FINANCIAL LLC 1 6.63% $4,535
BOKF 1 6.38% $5,279
BMO Harris Bank 1 7.50% $7,287
BECKAM FUNDING CORP. 1 8.87% $5,130
Baxter Credit Union 1 6.38% $5,360
AXIA FINANCIAL, LLC 1 7.38% $8,522
TJC Mortgage, Inc. 1 7.13% $12,870
UIF CORPORATION 1 7.63% $3,343
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.75% $1,756
MEMBER HOME LOAN, L.L.C. 1 8.00% $3,804
Ameris Bank 1 6.49% $9,974
AmeriHome Mortgage Company, LLC 1 6.99% $8,951
LOANPEOPLE, LLC 1 6.49% $7,654
LENOX FINANCIAL MORTGAGE CORPORATION 1 6.50% $5,031
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.50% $7,555
LENDSURE MORTGAGE CORP. 1 7.63% $8,308
LEGEND LENDING CORPORATION 1 6.63% $9,201
ZILLOW HOME LOANS, LLC 1 6.88% $8,079
NATIONS DIRECT MORTGAGE, LLC 1 6.75% $11,646
Lakeview Community Capital, LLC 1 6.50% $5,600

MCALLEN - EDINBURG - MISSION Average Closing Costs & Other Stats

MCALLEN-EDINBURG-MISSION, TX's 167 lenders originated 7,587 loans during 2024. The total origination value was $1,933,755,000, with an average loan value of $254,877.

MCALLEN - EDINBURG - MISSION's average closing costs are $7,758.

The top MCALLEN - EDINBURG - MISSION lender as defined by loan originations is JPMorgan Chase Bank, with 300 loans originated. Their average total fees are $7,308, which is $383 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee MCALLEN - EDINBURG - MISSION lenders (with over 10 loans originated) are NAVY ARMY COMMUNITY CREDIT UNION ($3,790), SECURITY SERVICE ($4,438), Bank of America ($4,512), PNC Bank ($4,825) and International Bank of Commerce ($5,352).

The lowest rate MCALLEN - EDINBURG - MISSION lenders (with over 10 loans originated) are PROVIDENT FUNDING ASSOCIATES, L.P. (6.35%), JPMorgan Chase Bank (6.37%), GUARANTEED RATE, INC. (6.38%), DIRECTIONS EQUITY, LLC (6.46%) and DAS Acquisition Company, LLC (6.47%).

MCALLEN-EDINBURG-MISSION, 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
CMG MORTGAGE, INC. $63,925,000 $120,505,000 88.5% 6.2%
CROSSCOUNTRY MORTGAGE, LLC $106,270,000 $112,195,000 5.6% 5.8%
WILLOW BEND MORTGAGE COMPANY, LLC $118,910,000 $93,440,000 -21.4% 4.8%
UNITED WHOLESALE MORTGAGE, LLC $87,220,000 $92,700,000 6.3% 4.8%
Lone Star National Bank $52,230,000 $86,510,000 65.6% 4.5%
JPMorgan Chase Bank $25,835,000 $84,990,000 229.0% 4.4%
QUICKEN LOANS, LLC $79,110,000 $79,900,000 1.0% 4.1%
ASCENT HOME LENDING, LLC $53,595,000 $74,075,000 38.2% 3.8%
NAVY ARMY COMMUNITY CREDIT UNION $48,385,000 $62,105,000 28.4% 3.2%
DIRECTIONS EQUITY, LLC $35,365,000 $46,665,000 32.0% 2.4%
Paramount Residential Mortgage Group, Inc. $24,465,000 $45,150,000 84.5% 2.3%
GUARANTEED RATE, INC. $3,960,000 $44,740,000 1,029.8% 2.3%
MOVEMENT MORTGAGE, LLC $44,250,000 $44,190,000 -0.1% 2.3%
HOMESIDE FINANCIAL, LLC $22,645,000 $40,385,000 78.3% 2.1%
SECURITY SERVICE $47,245,000 $38,235,000 -19.1% 2.0%
DAS Acquisition Company, LLC $7,590,000 $33,975,000 347.6% 1.8%
FREEDOM MORTGAGE CORPORATION $9,860,000 $31,225,000 216.7% 1.6%
Mortgage Research Center, LLC $29,760,000 $31,000,000 4.2% 1.6%
Texas National Bank $27,395,000 $29,725,000 8.5% 1.5%
WALKER & DUNLOP, LLC $27,095,000 n/a 1.4%
COLLIERS MORTGAGE LLC $23,885,000 n/a 1.2%
Falcon International Bank $13,325,000 $23,150,000 73.7% 1.2%
INTERLINC MORTGAGE SERVICES, LLC $4,030,000 $22,185,000 450.5% 1.1%
Flagstar Bank, FSB $18,000,000 $20,200,000 12.2% 1.0%
Arbor Realty Trust, Inc. $9,255,000 $20,005,000 116.2% 1.0%
NATIONS RELIABLE LENDING, LLC $31,200,000 $16,390,000 -47.5% 0.8%
Nations Lending Corporation $25,260,000 $16,190,000 -35.9% 0.8%
21ST MORTGAGE CORPORATION $12,940,000 $14,310,000 10.6% 0.7%
PENNYMAC LOAN SERVICES, LLC $10,860,000 $13,990,000 28.8% 0.7%
Texas Regional Bank $15,645,000 $13,040,000 -16.7% 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $12,100,000 $12,885,000 6.5% 0.7%
PNC Bank $12,075,000 $12,600,000 4.3% 0.7%
AMERICAN PACIFIC MORTGAGE CORPORATION $10,460,000 $12,210,000 16.7% 0.6%
CommunityBank of Texas, N.A. $6,270,000 $11,965,000 90.8% 0.6%
Vantage Bank Texas $16,510,000 $11,660,000 -29.4% 0.6%
International Bank of Commerce $18,305,000 $10,955,000 -40.2% 0.6%
CORNERSTONE HOME LENDING, INC. $10,455,000 $10,915,000 4.4% 0.6%
NEWREZ LLC $7,235,000 $10,085,000 39.4% 0.5%
NAVY FEDERAL CREDIT UNION $8,065,000 $9,785,000 21.3% 0.5%
SOUTHWEST FUNDING, LP $9,360,000 n/a 0.5%
LENDINGHOME FUNDING CORPORATION $2,565,000 $8,810,000 243.5% 0.5%
PLAZA HOME MORTGAGE, INC. $14,435,000 $8,535,000 -40.9% 0.4%
Bank of America $9,780,000 $8,365,000 -14.5% 0.4%
LOANDEPOT.COM, LLC $6,450,000 $7,755,000 20.2% 0.4%
DEEPHAVEN MORTGAGE LLC $4,745,000 $7,710,000 62.5% 0.4%
U.S. Bank $7,110,000 $7,535,000 6.0% 0.4%
IBC Brownsville $4,855,000 $7,085,000 45.9% 0.4%
Wells Fargo Bank $6,020,000 $6,935,000 15.2% 0.4%
SECURITY FIRST Federal Credit Union $3,385,000 $6,800,000 100.9% 0.4%
SUN WEST MORTGAGE COMPANY, INC. $8,825,000 $6,640,000 -24.8% 0.3%
Rio Bank $24,180,000 $6,440,000 -73.4% 0.3%
Mr. Cooper ( Nationstar Mortgage ) $7,255,000 $6,040,000 -16.7% 0.3%
Frost Bank $6,005,000 $5,800,000 -3.4% 0.3%
CITY FIRST MORTGAGE SERVICES, L.L.C. $315,000 $5,775,000 1,733.3% 0.3%
First Community Bank $225,000 $5,775,000 2,466.7% 0.3%
Gateway First Bank $9,200,000 $5,445,000 -40.8% 0.3%
EUSTIS AND AMERICAN MORTGAGE COMPANY $22,575,000 $5,275,000 -76.6% 0.3%
Equity Prime Mortgage LLC $3,080,000 $5,085,000 65.1% 0.3%
HOMEXPRESS MORTGAGE CORP. $2,265,000 $5,030,000 122.1% 0.3%
The Loan Store, Inc. $710,000 $4,725,000 565.5% 0.2%
Legacy Bank & Trust Company $4,705,000 n/a 0.2%
UNION HOME MORTGAGE CORP. $2,825,000 $4,550,000 61.1% 0.2%
VILLAGE CAPITAL MORTGAGE $295,000 $4,465,000 1,413.6% 0.2%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $4,230,000 n/a 0.2%
PROVIDENT FUNDING ASSOCIATES, L.P. $3,035,000 $3,970,000 30.8% 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $2,450,000 $3,965,000 61.8% 0.2%
KeyBank $185,000 $3,955,000 2,037.8% 0.2%
NATIONS DIRECT MORTGAGE, LLC $685,000 $3,790,000 453.3% 0.2%
OCMBC, INC. $3,180,000 $3,725,000 17.1% 0.2%
Hometown Equity Mortgage, LLC $1,875,000 $3,720,000 98.4% 0.2%
VELOCITY COMMERCIAL CAPITAL, LLC $965,000 $3,605,000 273.6% 0.2%
ROYAL UNITED MORTGAGE LLC $1,680,000 $3,525,000 109.8% 0.2%
AmeriHome Mortgage Company, LLC $405,000 $3,455,000 753.1% 0.2%
BROKER SOLUTIONS, INC. $4,470,000 $3,370,000 -24.6% 0.2%
Century Mortgage Company DBA Century Lending Company $3,315,000 n/a 0.2%
CARDINAL FINANCIAL $3,845,000 $3,280,000 -14.7% 0.2%
LOANPAL, LLC $2,115,000 $3,260,000 54.1% 0.2%
SECURITYNATIONAL MORTGAGE COMPANY $2,030,000 $3,245,000 59.9% 0.2%
RANDOLPH-BROOKS $2,890,000 $3,235,000 11.9% 0.2%
BancorpSouth $3,620,000 $3,135,000 -13.4% 0.2%
AMWEST FUNDING CORP. $1,680,000 $3,130,000 86.3% 0.2%
USAA Federal Savings Bank $5,565,000 $3,115,000 -44.0% 0.2%
GREYSTONE SERVICING COMPANY LLC $3,105,000 n/a 0.2%
The Huntington National Bank $980,000 $3,105,000 216.8% 0.2%
A&D Mortgage LLC $3,655,000 $3,050,000 -16.6% 0.2%
Discover Bank $2,130,000 $3,040,000 42.7% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $6,400,000 $3,040,000 -52.5% 0.2%
PLANET HOME LENDING, LLC $1,350,000 $2,985,000 121.1% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,345,000 $2,735,000 16.6% 0.1%
AMERITRUST MORTGAGE CORPORATION $1,460,000 $2,670,000 82.9% 0.1%
Carrington Mortgage Services, LLC $1,875,000 $2,655,000 41.6% 0.1%
Plains Commerce Bank $1,500,000 $2,570,000 71.3% 0.1%
PENTAGON FEDERAL CREDIT UNION $2,300,000 $2,380,000 3.5% 0.1%
ANGEL OAK MORTGAGE SOLUTIONS LLC $1,055,000 $2,270,000 115.2% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,375,000 $2,210,000 -6.9% 0.1%
Citadel Servicing Corporation $3,920,000 $2,135,000 -45.5% 0.1%
TRIAD FINANCIAL SERVICES, INC. $1,930,000 $2,120,000 9.8% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $305,000 $2,100,000 588.5% 0.1%
ORIX REAL ESTATE CAPITAL, LLC $2,095,000 n/a 0.1%
Lakeview Community Capital, LLC $115,000 $2,015,000 1,652.2% 0.1%
Morgan Stanley Private Bank $820,000 $2,010,000 145.1% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $2,485,000 $1,950,000 -21.5% 0.1%
Barrington Bank & Trust Company, N.A. $545,000 $1,910,000 250.5% 0.1%
ENVOY MORTGAGE, LTD $1,850,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $3,550,000 $1,810,000 -49.0% 0.1%
MID AMERICA MORTGAGE, INC. $675,000 $1,700,000 151.9% 0.1%
NEXERA HOLDING LLC $1,420,000 $1,695,000 19.4% 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $1,635,000 n/a 0.1%
LAND HOME FINANCIAL SERVICES, INC. $2,545,000 $1,620,000 -36.3% 0.1%
CLEARPATH LENDING $1,610,000 n/a 0.1%
TIB The Independent Bankersbank $1,690,000 $1,370,000 -18.9% 0.1%
BETTER MORTGAGE CORPORATION $2,265,000 $1,300,000 -42.6% 0.1%
MORTGAGE FINANCIAL SERVICES, LLC $1,565,000 $1,230,000 -21.4% 0.1%
GENEVA FINANCIAL, LLC $265,000 $1,220,000 360.4% 0.1%
Stifel Bank and Trust $585,000 $1,215,000 107.7% 0.1%
GUILD MORTGAGE COMPANY $1,565,000 $1,200,000 -23.3% 0.1%
SFMC, LP $185,000 $1,190,000 543.2% 0.1%
LAKEVIEW LOAN SERVICING, LLC $230,000 $1,155,000 402.2% 0.1%
ZILLOW HOME LOANS, LLC $750,000 $1,145,000 52.7% 0.1%
AMERICAN HERITAGE LENDING, INC. $1,070,000 $1,110,000 3.7% 0.1%
MORIA DEVELOPMENT, INC. $1,085,000 n/a 0.1%
Presidential Bank, FSB $1,985,000 $1,085,000 -45.3% 0.1%
Greenbox Loans, Inc. $660,000 $1,030,000 56.1% 0.1%
Waterstone Mortgage Corporation $1,000,000 n/a 0.1%
H E B $485,000 $965,000 99.0% 0.0%
Ally Bank $945,000 n/a 0.0%
A+ Federal Credit Union $915,000 n/a 0.0%
SeaTrust Mortgage Company $550,000 $910,000 65.5% 0.0%
PHH Mortgage Corporation $900,000 n/a 0.0%
Affiliated Bank $895,000 n/a 0.0%
NBKC BANK $1,475,000 $895,000 -39.3% 0.0%
SIRVA MORTGAGE, INC. $895,000 n/a 0.0%
GREATER TEXAS FEDERAL CREDIT UNION $1,205,000 $890,000 -26.1% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $865,000 n/a 0.0%
AMERISAVE MORTGAGE CORPORATION $2,275,000 $850,000 -62.6% 0.0%
SENTE MORTGAGE, INC. $195,000 $825,000 323.1% 0.0%
EVERETT FINANCIAL, INC. $2,290,000 $800,000 -65.1% 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. $1,105,000 $795,000 -28.1% 0.0%
Farm Credit Mid-America, ACA $1,365,000 $750,000 -45.1% 0.0%
GUIDANCE RESIDENTIAL, LLC $535,000 $750,000 40.2% 0.0%
UNIVERSITY Federal Credit Union $1,305,000 $745,000 -42.9% 0.0%
GUARANTEED RATE AFFINITY, LLC $970,000 $740,000 -23.7% 0.0%
First-Citizens Bank & Trust Company $375,000 $715,000 90.7% 0.0%
Sunflower Bank $305,000 $710,000 132.8% 0.0%
NP, Inc. $390,000 $680,000 74.4% 0.0%
City Bank $870,000 $650,000 -25.3% 0.0%
DOMINION FINANCIAL SERVICES, LLC $365,000 $610,000 67.1% 0.0%
CHURCHILL MORTGAGE CORPORATION $735,000 $605,000 -17.7% 0.0%
OPEN MORTGAGE, LLC $600,000 n/a 0.0%
KS StateBank $595,000 n/a 0.0%
ONY GLO, INC. $590,000 n/a 0.0%
Network Funding, L.P. $635,000 $585,000 -7.9% 0.0%
TEXAS DOW EMPLOYEES CREDIT UNION $125,000 $585,000 368.0% 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION $580,000 n/a 0.0%
BECKAM FUNDING CORP. $415,000 $575,000 38.6% 0.0%
HALLMARK HOME MORTGAGE, LLC $1,345,000 $550,000 -59.1% 0.0%
Quontic Bank $85,000 $550,000 547.1% 0.0%
BM Real Estate Services, Inc. $545,000 n/a 0.0%
BAY EQUITY LLC $540,000 n/a 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $655,000 $540,000 -17.6% 0.0%
Centennial Bank $1,130,000 $530,000 -53.1% 0.0%
COMMUNITY MORTGAGE FUNDING, LLC $995,000 $530,000 -46.7% 0.0%
NexBank $2,390,000 $520,000 -78.2% 0.0%
Baxter Credit Union $75,000 $505,000 573.3% 0.0%
First National Bank Texas $19,070,000 $505,000 -97.4% 0.0%
CALCON MUTUAL MORTGAGE LLC $1,785,000 $500,000 -72.0% 0.0%
GREENSTATE CREDIT UNION $75,000 $490,000 553.3% 0.0%
MORTGAGEONE, INC. $515,000 $490,000 -4.9% 0.0%
Texana Bank $65,000 $475,000 630.8% 0.0%
UIF CORPORATION $470,000 n/a 0.0%
NFM, INC. $460,000 n/a 0.0%
BMO Harris Bank $1,435,000 $445,000 -69.0% 0.0%
Ixonia Bank $420,000 n/a 0.0%
ARC HOME LLC $415,000 n/a 0.0%
Credit Union of Texas $520,000 $415,000 -20.2% 0.0%
CANOPY MORTGAGE, LLC $455,000 $410,000 -9.9% 0.0%
PREMIA MORTGAGE, LLC $245,000 $405,000 65.3% 0.0%
Sierra Pacific Mortgage Company, Inc. $405,000 n/a 0.0%
Citibank $145,000 $400,000 175.9% 0.0%
UNITED MORTGAGE CORP $395,000 n/a 0.0%
Citizens Bank $1,345,000 $390,000 -71.0% 0.0%
Performance Financial, Inc. $375,000 n/a 0.0%
PILGRIM MORTGAGE LLC $175,000 $375,000 114.3% 0.0%
AXIA FINANCIAL, LLC $365,000 n/a 0.0%
LIMA ONE CAPITAL, LLC $360,000 n/a 0.0%
FLAT BRANCH MORTGAGE, INC. $355,000 n/a 0.0%
INTEGRITY MORTGAGE CORPORATION OF TEXAS $355,000 n/a 0.0%
Mid-Continent Funding, Inc. $410,000 $355,000 -13.4% 0.0%
Ameris Bank $345,000 n/a 0.0%
Regions Bank $1,010,000 $340,000 -66.3% 0.0%
Commerce Home Mortgage, Inc. $485,000 $335,000 -30.9% 0.0%
DHI MORTGAGE COMPANY, LTD. $335,000 n/a 0.0%
Zions Bank $175,000 $325,000 85.7% 0.0%
FOUNDATION MORTGAGE CORPORATION $1,815,000 $310,000 -82.9% 0.0%
TOWNE MORTGAGE COMPANY $310,000 n/a 0.0%
HOMETRUST MORTGAGE COMPANY $395,000 $305,000 -22.8% 0.0%
BOKF $300,000 n/a 0.0%
GULF COAST EDUCATORS FEDERAL CREDIT UNION $135,000 $295,000 118.5% 0.0%
NMSI, INC. $295,000 n/a 0.0%
OAKTREE FUNDING CORP. $640,000 $295,000 -53.9% 0.0%
FirstBank $350,000 $290,000 -17.1% 0.0%
SPRING EQ, LLC $180,000 $280,000 55.6% 0.0%
Florida Capital Bank $255,000 $275,000 7.8% 0.0%
V.I.P. MORTGAGE, INC. $185,000 $275,000 48.6% 0.0%
PlainsCapital Bank $590,000 $270,000 -54.2% 0.0%
BARTLETT MORTGAGE, INC. $265,000 n/a 0.0%
Prosperity Bank $695,000 $265,000 -61.9% 0.0%
TJC Mortgage, Inc. $265,000 n/a 0.0%
DEVELOPER'S MORTGAGE COMPANY $255,000 n/a 0.0%
LOANPEOPLE, LLC $255,000 n/a 0.0%
NEW WAVE LENDING GROUP INC $245,000 $255,000 4.1% 0.0%
Devon Bank $245,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $1,010,000 $245,000 -75.7% 0.0%
ST FIN CORP $245,000 n/a 0.0%
Truist $1,190,000 $245,000 -79.4% 0.0%
Comerica Bank $235,000 n/a 0.0%
Credence Funding Corporation $235,000 n/a 0.0%
DATA MORTGAGE, INC. $235,000 n/a 0.0%
LEGEND LENDING CORPORATION $235,000 n/a 0.0%
Flanagan State Bank $225,000 n/a 0.0%
PREMIER MORTGAGE RESOURCES, L.L.C. $225,000 n/a 0.0%
FINANCE OF AMERICA REVERSE LLC $770,000 $220,000 -71.4% 0.0%
LENDSURE MORTGAGE CORP. $465,000 $220,000 -52.7% 0.0%
COUNTRYPLACE MORTGAGE, LTD. $525,000 $210,000 -60.0% 0.0%
Kwik Mortgage Corporation $405,000 $205,000 -49.4% 0.0%
M&T Bank $125,000 $205,000 64.0% 0.0%
S1L, Inc. $7,335,000 $205,000 -97.2% 0.0%
First Federal Bank $185,000 $195,000 5.4% 0.0%
JMAC LENDING, INC. $195,000 n/a 0.0%
Wallick & Volk, Inc. $195,000 n/a 0.0%
First Bank $405,000 $185,000 -54.3% 0.0%
First Community Bank $225,000 $185,000 -17.8% 0.0%
RADIUS FINANCIAL GROUP INC. $185,000 n/a 0.0%
AMERICAN FINANCIAL NETWORK, INC. $1,355,000 $175,000 -87.1% 0.0%
VELOCIO MORTGAGE L.L.C. $175,000 n/a 0.0%
SHELL FEDERAL CREDIT UNION $170,000 n/a 0.0%
RANLIFE, INC. $165,000 n/a 0.0%
Western State Bank $165,000 n/a 0.0%
CityWorth Mortgage LLC $145,000 n/a 0.0%
Texas Community Bank $2,385,000 $145,000 -93.9% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $135,000 n/a 0.0%
T2 FINANCIAL LLC $575,000 $135,000 -76.5% 0.0%
First Option Mortgage, LLC $125,000 n/a 0.0%
HighTechLending Inc $125,000 n/a 0.0%
Home Mortgage Alliance Corp $125,000 n/a 0.0%
ON Q FINANCIAL, INC. $125,000 n/a 0.0%
PREMIER AMERICA $125,000 n/a 0.0%
SOUTHWEST STAGE FUNDING, LLC $270,000 $125,000 -53.7% 0.0%
Complex Community Federal Credit Union $105,000 n/a 0.0%
First United Bank and Trust Company $620,000 $105,000 -83.1% 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $105,000 n/a 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $95,000 n/a 0.0%
Generations Community Federal Credit Union $115,000 $85,000 -26.1% 0.0%
Figure Lending LLC $80,000 n/a 0.0%
CSL Financial, LLC $160,000 $75,000 -53.1% 0.0%
Deere Employees Credit Union $55,000 $75,000 36.4% 0.0%
Firefighters First Federal Credit Union $75,000 n/a 0.0%
CIS Financial Services, Inc. $65,000 n/a 0.0%
MEMBER HOME LOAN, L.L.C. $65,000 n/a 0.0%
The First National Bank of Raymond $55,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $1,240,000 $45,000 -96.4% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $35,000 $45,000 28.6% 0.0%
LONGBRIDGE FINANCIAL, LLC $190,000 $45,000 -76.3% 0.0%
Fifth Third Bank $35,000 n/a 0.0%

MCALLEN - EDINBURG - MISSION's top lender by overall market share is CMG MORTGAGE, INC., with 6.2% market share. In second place, with 5.8%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $112,195,000 in loans. In third place, with 4.8%, is WILLOW BEND MORTGAGE COMPANY, LLC, having originated $93,440,000 in loans. In fourth place, with 4.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $92,700,000 in loans. In fifth place, with 4.5%, is Lone Star National Bank, having originated $86,510,000 in loans.

MCALLEN-EDINBURG-MISSION, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 5,362 $1,412,820,000 $263,488
Refi 809 $268,595,000 $332,009
Cash Out Refi 729 $151,795,000 $208,224
Other 492 $82,170,000 $167,012
Home Improvement 195 $18,375,000 $94,231

Mcallen - Edinburg - Mission's most frequently cited loan purpose was Home Purchase, with 5,362 originations. The 2nd most popular reason was Refi, with 809 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 3,301 $839,155,000 $254,212
7-8% 1,676 $410,400,000 $244,869
5-6% 1,339 $406,965,000 $303,932
Over 8% 787 $129,635,000 $164,720
4-5% 146 $43,520,000 $298,082
<2.5% 35 $655,000 $18,714
3-4% 24 $4,480,000 $186,667
2.5-3% 4 $580,000 $145,000

During 2024, Mcallen - Edinburg - Mission's most frequently originated rate bucket was 6-7%, with 3,301 originations.

Loan Sizing (MCALLEN-EDINBURG-MISSION, TX MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 3,597 $984,965,000 $273,830
$100k-200k 2,170 $330,000,000 $152,074
$100,000 or less 1,069 $63,935,000 $59,808
$400k-600k 598 $282,510,000 $472,425
$600k-1000k 95 $69,545,000 $732,053
$Over $1MM 58 $202,800,000 $3,496,552

MCALLEN - EDINBURG - MISSION's loan sizing saw the bucket of loans from $200k-400k with 3,597 originations, totaling $984,965,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 4,409 $1,178,085,000 $267,200
60-80% 1,510 $415,730,000 $275,318
40-60% 524 $100,770,000 $192,309
20-40% 411 $42,045,000 $102,299
Under 20% 326 $13,340,000 $40,920
Over 100% 99 $31,665,000 $319,848

MCALLEN - EDINBURG - MISSION's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 4,409 originations, totaling $1,178,085,000 in origination value.