Rio Grande City - Roma Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Rio Grande City - Roma averaged
7.01%
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
6.74% and
one month ago for the week of 2025-05-15, the
average rate was 6.71%.
Rio Grande City - Roma'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% |
| Rio Grande City - Roma 30 Year Fixed Rate | 2025-06-18 | 7.01% |
| Rio Grande City - Roma 30 Year Fixed Rate Refi | 2025-06-18 | 7.01% |
| Rio Grande City - Roma 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Rio Grande City - Roma 15 Year Fixed Rate Refi | 2025-06-18 | 6.26% |
| Rio Grande City - Roma 30 Year FHA | 2025-06-18 | 0.1% |
| Rio Grande City - Roma 30 Year FHA Refi | 2025-06-18 | 0.2% |
| Rio Grande City - Roma 30 Year USDA | 2025-06-18 | -0.2% |
| Rio Grande City - Roma 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Rio Grande City - Roma 30 Year VA | 2025-06-18 | -0.1% |
| Rio Grande City - Roma 30 Year VA Refi | 2025-06-18 | -0.1% |
Rio Grande City - Roma 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 Rio Grande City-Roma, 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 | 18 | 6.51% | $7,804 |
| QUICKEN LOANS, LLC | 10 | 7.10% | $6,699 |
| Lone Star National Bank | 8 | 7.00% | $6,623 |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 4 | 6.78% | $7,152 |
| Flagstar Bank, FSB | 3 | 6.22% | $10,936 |
| DIRECTIONS EQUITY, LLC | 2 | 6.00% | $7,722 |
| CMG MORTGAGE, INC. | 2 | 6.75% | $6,570 |
| WILLOW BEND MORTGAGE COMPANY, LLC | 2 | 6.49% | $9,707 |
| SECURITY SERVICE | 1 | 5.88% | $11,838 |
| TEXAS DOW EMPLOYEES CREDIT UNION | 1 | 7.25% | $3,320 |
| LEADERONE FINANCIAL CORPORATION | 1 | 7.63% | $7,189 |
| FREEDOM MORTGAGE CORPORATION | 1 | 6.75% | $5,916 |
| HOMESIDE FINANCIAL, LLC | 1 | 6.50% | $4,325 |
| International Bank of Commerce | 1 | 6.75% | $4,778 |
| 21ST MORTGAGE CORPORATION | 1 | 8.19% | $6,099 |
| LOANDEPOT.COM, LLC | 1 | 6.63% | $3,880 |
| Paramount Residential Mortgage Group, Inc. | 1 | 6.88% | $11,703 |
| PENTAGON FEDERAL CREDIT UNION | 1 | 6.88% | $4,573 |
Rio Grande City - Roma Average Closing Costs & Other Stats
Rio Grande City-Roma, TX's 18 lenders originated 221
loans during 2024. The total origination value was $42,365,000, with an average loan value of
$191,697.
Rio Grande City - Roma's average closing costs are $7,685.
The top Rio Grande City - Roma lender as defined by loan originations is JPMorgan Chase Bank, with
18 loans originated. Their average total fees are
$7,804, which is $1,106
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Rio Grande City - Roma lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC ($6,699), JPMorgan Chase Bank ($7,804), .
The lowest rate Rio Grande City - Roma lenders (with over 10 loans originated) are
JPMorgan Chase Bank (6.51%), QUICKEN LOANS, LLC (7.10%), .
Rio Grande City-Roma, 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 |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $2,675,000 | $4,655,000 | 74.0% | 11.0% |
| JPMorgan Chase Bank | $585,000 | $4,005,000 | 584.6% | 9.5% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $3,860,000 | $3,505,000 | -9.2% | 8.3% |
| Lone Star National Bank | $1,820,000 | $2,825,000 | 55.2% | 6.7% |
| 21ST MORTGAGE CORPORATION | $1,210,000 | $2,120,000 | 75.2% | 5.0% |
| LEADERONE FINANCIAL CORPORATION | $6,205,000 | $2,110,000 | -66.0% | 5.0% |
| NAVY ARMY COMMUNITY CREDIT UNION | $2,515,000 | $1,845,000 | -26.6% | 4.4% |
| CMG MORTGAGE, INC. | $1,175,000 | $1,705,000 | 45.1% | 4.0% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,505,000 | $1,545,000 | 2.7% | 3.6% |
| Paramount Residential Mortgage Group, Inc. | $125,000 | $1,530,000 | 1,124.0% | 3.6% |
| Flagstar Bank, FSB | $1,340,000 | n/a | 3.2% | |
| PNC Bank | $1,235,000 | $1,315,000 | 6.5% | 3.1% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $1,070,000 | n/a | 2.5% | |
| Nations Lending Corporation | $1,405,000 | $1,010,000 | -28.1% | 2.4% |
| FREEDOM MORTGAGE CORPORATION | $195,000 | $850,000 | 335.9% | 2.0% |
| SECURITY SERVICE | $1,025,000 | $840,000 | -18.0% | 2.0% |
| OCMBC, INC. | $815,000 | n/a | 1.9% | |
| DIRECTIONS EQUITY, LLC | $400,000 | $625,000 | 56.3% | 1.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $535,000 | n/a | 1.3% | |
| MOVEMENT MORTGAGE, LLC | $225,000 | $520,000 | 131.1% | 1.2% |
| NEWREZ LLC | $520,000 | n/a | 1.2% | |
| UNITED WHOLESALE MORTGAGE, LLC | $1,685,000 | $425,000 | -74.8% | 1.0% |
| International Bank of Commerce | $185,000 | $375,000 | 102.7% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $355,000 | n/a | 0.8% | |
| Lakeview Community Capital, LLC | $305,000 | n/a | 0.7% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $285,000 | n/a | 0.7% | |
| Mortgage Research Center, LLC | $425,000 | $285,000 | -32.9% | 0.7% |
| Hometown Equity Mortgage, LLC | $285,000 | $275,000 | -3.5% | 0.6% |
| TOWNE MORTGAGE COMPANY | $275,000 | n/a | 0.6% | |
| Bank of America | $265,000 | n/a | 0.6% | |
| PLAZA HOME MORTGAGE, INC. | $265,000 | n/a | 0.6% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $235,000 | n/a | 0.6% | |
| USAA Federal Savings Bank | $385,000 | $235,000 | -39.0% | 0.6% |
| SOUTHWEST FUNDING, LP | $230,000 | n/a | 0.5% | |
| TEXAS DOW EMPLOYEES CREDIT UNION | $205,000 | n/a | 0.5% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $65,000 | $205,000 | 215.4% | 0.5% |
| FirstBank | $200,000 | $135,000 | -32.5% | 0.3% |
| TRIAD FINANCIAL SERVICES, INC. | $75,000 | $135,000 | 80.0% | 0.3% |
| LOANDEPOT.COM, LLC | $125,000 | n/a | 0.3% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $110,000 | n/a | 0.3% | |
| INTERLINC MORTGAGE SERVICES, LLC | $105,000 | n/a | 0.2% | |
| LIMA ONE CAPITAL, LLC | $105,000 | n/a | 0.2% | |
| PENTAGON FEDERAL CREDIT UNION | $105,000 | n/a | 0.2% | |
| LOANPAL, LLC | $75,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $125,000 | $65,000 | -48.0% | 0.2% |
| Discover Bank | $45,000 | n/a | 0.1% |
Rio Grande City - Roma's top lender by overall market share is QUICKEN LOANS, LLC, with 11.0% market share. In second place, with 9.5%, is JPMorgan Chase Bank, having originated $4,005,000 in loans. In third place, with 8.3%, is WILLOW BEND MORTGAGE COMPANY, LLC, having originated $3,505,000 in loans. In fourth place, with 6.7%, is Lone Star National Bank, having originated $2,825,000 in loans. In fifth place, with 5.0%, is 21ST MORTGAGE CORPORATION, having originated $2,120,000 in loans.
Rio Grande City-Roma, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 140 | $25,980,000 | $185,571 |
| Refi | 55 | $13,005,000 | $236,455 |
| Cash Out Refi | 12 | $1,960,000 | $163,333 |
| Other | 11 | $1,145,000 | $104,091 |
| Home Improvement | 3 | $275,000 | $91,667 |
Rio Grande City - Roma's most frequently cited loan purpose was Home Purchase, with 140 originations. The 2nd most popular reason was Refi, with 55 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 95 | $20,405,000 | $214,789 |
| 7-8% | 45 | $8,375,000 | $186,111 |
| Over 8% | 42 | $4,490,000 | $106,905 |
| 5-6% | 35 | $8,285,000 | $236,714 |
| 4-5% | 2 | $670,000 | $335,000 |
During 2024, Rio Grande City - Roma's most frequently originated rate bucket was 6-7%, with 95 originations.
Loan Sizing (Rio Grande City-Roma, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 108 | $27,860,000 | $257,963 |
| $100k-200k | 67 | $9,625,000 | $143,657 |
| $100,000 or less | 42 | $2,850,000 | $67,857 |
| $400k-600k | 3 | $1,385,000 | $461,667 |
| $600k-1000k | 1 | $645,000 | $645,000 |
Rio Grande City - Roma's loan sizing saw the bucket of loans from $200k-400k with 108 originations, totaling $27,860,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 139 | $28,985,000 | $208,525 |
| 60-80% | 48 | $9,820,000 | $204,583 |
| 20-40% | 10 | $860,000 | $86,000 |
| 40-60% | 9 | $1,095,000 | $121,667 |
| Under 20% | 7 | $135,000 | $19,286 |
| Over 100% | 4 | $850,000 | $212,500 |
Rio Grande City - Roma's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 139 originations, totaling $28,985,000 in origination value.