Rockport Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Rockport averaged 6.91% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

The average rate for the prior week (2024-12-05) was 7.2% and one month ago for the week of 2024-11-07, the average rate was 6.9%.

Rockport's average rate one year ago was 7.44%.

For refis of the same type during the week of 2024-12-12, the average rate was 6.7%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-12-12 6.6%
Rockport 30 Year Fixed Rate 2024-12-12 6.91%
Rockport 30 Year Fixed Rate Refi 2024-12-12 6.7%
Rockport 15 Year Fixed Rate 2024-12-12 5.94%
Rockport 15 Year Fixed Rate Refi 2024-12-12 6.04%
Rockport 30 Year FHA 2024-12-12 6.48%
Rockport 30 Year FHA Refi 2024-12-12 6.38%
Rockport 30 Year USDA 2024-12-12 6.4%
Rockport 30 Year USDA Refi 2024-12-12 6.4%
Rockport 30 Year VA 2024-12-12 5.98%
Rockport 30 Year VA Refi 2024-12-12 6.18%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Rockport, TX.

Rockport 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 Rockport, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
GUILD MORTGAGE COMPANY 50 7.42% $9,235
QUICKEN LOANS, LLC 20 6.92% $6,829
UNITED WHOLESALE MORTGAGE, LLC 18 6.96% $9,565
NAVY ARMY COMMUNITY CREDIT UNION 11 6.86% $4,875
NFM, INC. 8 6.97% $14,291
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 7.00% $7,911
Wells Fargo Bank 6 6.94% $6,069
CMG MORTGAGE, INC. 6 6.68% $9,139
AMCAP MORTGAGE, LTD. 5 7.22% $7,776
Prosperity Bank 5 6.08% $5,490
SECURITY SERVICE 4 6.41% $3,855
LEGEND LENDING CORPORATION 4 7.06% $10,661
PILGRIM MORTGAGE LLC 4 6.25% $7,632
TEXAS DOW EMPLOYEES CREDIT UNION 3 6.67% $12,958
MID AMERICA MORTGAGE, INC. 3 7.67% $12,306
USAA Federal Savings Bank 3 6.63% $10,227
A+ Federal Credit Union 3 6.54% $2,171
UNIVERSITY Federal Credit Union 3 7.08% $11,243
DHI MORTGAGE COMPANY, LTD. 3 5.42% $3,514
Zions Bank 3 6.75% $6,529
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 7.25% $9,779
CHURCHILL MORTGAGE CORPORATION 2 7.13% $5,480
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 7.56% $10,964
BROKER SOLUTIONS, INC. 2 7.00% $10,583
21ST MORTGAGE CORPORATION 2 8.95% $7,423
CommunityBank of Texas, N.A. 2 6.75% $10,603
First Financial Bank 2 7.45% $5,916
GARDNER FINANCIAL SERVICES, LTD. 2 7.31% $11,173
Gateway First Bank 2 6.88% $5,870
Jefferson Bank 2 6.81% $6,713
JPMorgan Chase Bank 2 7.25% $5,546
LOANDEPOT.COM, LLC 2 7.49% $10,969
LOANPEOPLE, LLC 2 7.31% $15,398
MICHIGAN MUTUAL, INC. 2 6.44% $14,092
MOVEMENT MORTGAGE, LLC 2 6.97% $5,825
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 7.50% $4,500
RANDOLPH-BROOKS 2 7.88% $425
SWBC MORTGAGE CORPORATION 2 7.38% $7,225
Texas Mortgage Lending, LLC 2 7.13% $7,295
THRIVE MORTGAGE, LLC 2 7.19% $6,632
TEXELL Credit Union 1 5.38% $4,510
American Mortgage & Equity Consultants, Inc. 1 7.63% $8,528
First Bank 1 7.13% $17,326
Truist 1 5.80% $7,683
TRUWEST Credit Union 1 6.25% $4,870
LRS FINANCIAL NETWORK, INC. 1 7.50% $5,408
Century Mortgage Company DBA Century Lending Company 1 5.99% $9,246
Farmers Bank & Trust 1 6.25% $7,986
Morgan Stanley Private Bank 1 6.85% $2,811
Mortgage Research Center, LLC 1 6.25% $19,259
CALCON MUTUAL MORTGAGE LLC 1 7.50% $10,747
NATIONS RELIABLE LENDING, LLC 1 7.13% $12,770
DEEPHAVEN MORTGAGE LLC 1 8.38% $10,310
NAVY FEDERAL CREDIT UNION 1 6.50% $2,000
Neighborhood Loans, Inc. 1 6.63% $8,681
Network Funding, L.P. 1 6.99% $5,962
NEW FED MORTGAGE, CORP. 1 6.88% $8,362
CROSSCOUNTRY MORTGAGE, LLC 1 7.25% $7,006
North American Savings Bank, F.S.B. 1 7.50% $12,448
CORNERSTONE HOME LENDING, INC. 1 7.63% $12,971
PREMIER LENDING, INC. 1 7.63% $13,060
AmeriHome Mortgage Company, LLC 1 6.38% $2,948
City Bank 1 6.75% $4,874
Citizens Bank 1 7.00% $4,671
PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.75% $4,856
Citibank 1 5.75% $12,399
American National Bank & Trust 1 7.25% $13,362
Regions Bank 1 7.50% $7,765
Citadel Servicing Corporation 1 9.37% $9,856
Stifel Bank and Trust 1 6.50% $4,144
SUCCESS MORTGAGE PARTNERS, INC. 1 7.63% $8,651
Sunflower Bank 1 7.88% $14,415
WESTSTAR MORTGAGE CORPORATION 1 6.25% $3,202
T2 FINANCIAL LLC 1 6.25% $6,407
Charles Schwab Bank, SSB 1 6.53% $4,902
Texas Gulf Bank 1 7.98% $746
First State Bank 1 6.63% $4,157
Flagstar Bank, FSB 1 6.13% $8,877
FLAT BRANCH MORTGAGE, INC. 1 5.50% $9,053
Florida Capital Bank 1 7.13% $8,598
WILLOW BEND MORTGAGE COMPANY, LLC 1 7.49% $20,609
Texas Regional Bank 1 6.87% $9,424
GUARANTEED RATE AFFINITY, LLC 1 5.88% $3,740
GUARANTEED RATE, INC. 1 5.63% $23,893
First Federal Bank 1 6.88% $4,279
Hancock Whitney Bank 1 7.25% $2,717
HOMETRUST MORTGAGE COMPANY 1 7.38% $9,077
Independent Bank 1 7.88% $23,524
International Bank of Commerce 1 6.38% $4,217

Rockport Average Closing Costs & Other Stats

Rockport, TX's 89 lenders originated 562 loans during 2023. The total origination value was $172,210,000, with an average loan value of $306,423.

Rockport's average closing costs are $6,403.

The top Rockport lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 50 loans originated. Their average total fees are $9,235, which is $2,406 higher than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Rockport lenders (with over 10 loans originated) are NAVY ARMY COMMUNITY CREDIT UNION ($4,875), QUICKEN LOANS, LLC ($6,829), GUILD MORTGAGE COMPANY ($9,235), UNITED WHOLESALE MORTGAGE, LLC ($9,565) and .

The lowest rate Rockport lenders (with over 10 loans originated) are NAVY ARMY COMMUNITY CREDIT UNION (6.86%), QUICKEN LOANS, LLC (6.92%), UNITED WHOLESALE MORTGAGE, LLC (6.96%), GUILD MORTGAGE COMPANY (7.42%) and .

Rockport, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
GUILD MORTGAGE COMPANY $21,515,000 $22,105,000 2.7% 12.8%
Prosperity Bank $19,690,000 $9,150,000 -53.5% 5.3%
UNITED WHOLESALE MORTGAGE, LLC $4,600,000 $7,710,000 67.6% 4.5%
QUICKEN LOANS, LLC $13,900,000 $6,680,000 -51.9% 3.9%
RANDOLPH-BROOKS $6,025,000 $5,995,000 -0.5% 3.5%
NAVY ARMY COMMUNITY CREDIT UNION $5,070,000 $5,655,000 11.5% 3.3%
CMG MORTGAGE, INC. $5,155,000 $4,000,000 -22.4% 2.3%
NFM, INC. $3,285,000 $3,730,000 13.5% 2.2%
AMCAP MORTGAGE, LTD. $1,995,000 $3,510,000 75.9% 2.0%
DHI MORTGAGE COMPANY, LTD. $2,930,000 n/a 1.7%
American Bank $2,435,000 $2,865,000 17.7% 1.7%
MID AMERICA MORTGAGE, INC. $1,080,000 $2,750,000 154.6% 1.6%
The Falls City National Bank $2,690,000 n/a 1.6%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,475,000 $2,535,000 -27.1% 1.5%
LEGEND LENDING CORPORATION $1,080,000 $2,415,000 123.6% 1.4%
Broadway National Bank $2,440,000 $2,315,000 -5.1% 1.3%
Mortgage Research Center, LLC $2,575,000 $2,275,000 -11.7% 1.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,655,000 $2,275,000 -14.3% 1.3%
Arbor Realty Trust, Inc. $2,175,000 n/a 1.3%
SECURITY SERVICE $4,235,000 $2,135,000 -49.6% 1.2%
GUARANTEED RATE, INC. $2,360,000 $2,120,000 -10.2% 1.2%
GARDNER FINANCIAL SERVICES, LTD. $2,110,000 n/a 1.2%
FIRST STATE BANK $2,005,000 n/a 1.2%
TEXAS DOW EMPLOYEES CREDIT UNION $275,000 $2,005,000 629.1% 1.2%
21ST MORTGAGE CORPORATION $2,255,000 $1,975,000 -12.4% 1.1%
Wells Fargo Bank $3,800,000 $1,875,000 -50.7% 1.1%
DEEPHAVEN MORTGAGE LLC $1,665,000 n/a 1.0%
Independent Bank $2,150,000 $1,625,000 -24.4% 0.9%
LENDINGHOME FUNDING CORPORATION $1,380,000 n/a 0.8%
ANGEL OAK MORTGAGE SOLUTIONS LLC $2,080,000 $1,335,000 -35.8% 0.8%
UNIVERSITY Federal Credit Union $515,000 $1,305,000 153.4% 0.8%
Citizens Bank $2,200,000 $1,295,000 -41.1% 0.8%
CHARTER BANK $1,260,000 n/a 0.7%
CROSSCOUNTRY MORTGAGE, LLC $380,000 $1,240,000 226.3% 0.7%
Sunflower Bank $1,240,000 n/a 0.7%
CommunityBank of Texas, N.A. $1,220,000 n/a 0.7%
PILGRIM MORTGAGE LLC $645,000 $1,175,000 82.2% 0.7%
USAA Federal Savings Bank $155,000 $1,075,000 593.5% 0.6%
Texas Capital Bank $1,045,000 n/a 0.6%
LOANDEPOT.COM, LLC $3,135,000 $1,030,000 -67.1% 0.6%
NAVY FEDERAL CREDIT UNION $685,000 $1,025,000 49.6% 0.6%
First Community Bank $3,575,000 $1,020,000 -71.5% 0.6%
Zions Bank $1,330,000 $1,010,000 -24.1% 0.6%
First Financial Bank $295,000 $990,000 235.6% 0.6%
NATIONS RELIABLE LENDING, LLC $335,000 $955,000 185.1% 0.6%
Gateway First Bank $1,240,000 $800,000 -35.5% 0.5%
NEWREZ LLC $420,000 $800,000 90.5% 0.5%
LOANPEOPLE, LLC $1,090,000 $770,000 -29.4% 0.4%
Foundation One Bank $725,000 n/a 0.4%
Jefferson Bank $3,930,000 $700,000 -82.2% 0.4%
Citibank $655,000 n/a 0.4%
American National Bank & Trust $635,000 n/a 0.4%
PENNYMAC LOAN SERVICES, LLC $1,020,000 $635,000 -37.7% 0.4%
GUARANTEED RATE AFFINITY, LLC $620,000 n/a 0.4%
CALCON MUTUAL MORTGAGE LLC $375,000 $615,000 64.0% 0.4%
North American Savings Bank, F.S.B. $565,000 $615,000 8.8% 0.4%
TEXELL Credit Union $610,000 n/a 0.4%
Hancock Whitney Bank $585,000 n/a 0.3%
A+ Federal Credit Union $165,000 $575,000 248.5% 0.3%
HOMETRUST MORTGAGE COMPANY $575,000 n/a 0.3%
WILLOW BEND MORTGAGE COMPANY, LLC $1,910,000 $575,000 -69.9% 0.3%
First Bank $515,000 $545,000 5.8% 0.3%
NBH Bank $535,000 n/a 0.3%
First Savings Bank $530,000 n/a 0.3%
Flagstar Bank, FSB $925,000 $530,000 -42.7% 0.3%
Frontier Bank of Texas $530,000 n/a 0.3%
MICHIGAN MUTUAL, INC. $530,000 n/a 0.3%
THRIVE MORTGAGE, LLC $1,050,000 $530,000 -49.5% 0.3%
Citadel Servicing Corporation $975,000 $485,000 -50.3% 0.3%
Frost Bank $160,000 $480,000 200.0% 0.3%
AMERICAN FINANCIAL RESOURCES, INC. $125,000 $475,000 280.0% 0.3%
ROYAL UNITED MORTGAGE LLC $470,000 n/a 0.3%
Texas Mortgage Lending, LLC $265,000 $460,000 73.6% 0.3%
PREMIER LENDING, INC. $455,000 n/a 0.3%
Commerce Home Mortgage, Inc. $450,000 n/a 0.3%
JPMorgan Chase Bank $2,640,000 $450,000 -83.0% 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $450,000 n/a 0.3%
OPEN MORTGAGE, LLC $715,000 $445,000 -37.8% 0.3%
CREDIT HUMAN FEDERAL CREDIT UNION $355,000 $435,000 22.5% 0.3%
Farmers Bank & Trust $435,000 n/a 0.3%
Network Funding, L.P. $435,000 n/a 0.3%
BROKER SOLUTIONS, INC. $280,000 $430,000 53.6% 0.2%
AMERICAN HERITAGE LENDING, INC. $330,000 $425,000 28.8% 0.2%
PENTAGON FEDERAL CREDIT UNION $410,000 $415,000 1.2% 0.2%
Wallick & Volk, Inc. $410,000 n/a 0.2%
Extraco Banks $405,000 n/a 0.2%
First State Bank $405,000 n/a 0.2%
Century Mortgage Company DBA Century Lending Company $395,000 n/a 0.2%
Charles Schwab Bank, SSB $385,000 n/a 0.2%
CORNERSTONE HOME LENDING, INC. $445,000 $385,000 -13.5% 0.2%
NEW FED MORTGAGE, CORP. $385,000 n/a 0.2%
Texas Regional Bank $385,000 n/a 0.2%
Stifel Bank and Trust $375,000 n/a 0.2%
FREEDOM MORTGAGE CORPORATION $990,000 $365,000 -63.1% 0.2%
CHURCHILL MORTGAGE CORPORATION $360,000 n/a 0.2%
International Bank of Commerce $795,000 $360,000 -54.7% 0.2%
First National Bank in Port Lavaca $1,680,000 $355,000 -78.9% 0.2%
The Central Trust Bank $355,000 n/a 0.2%
COUNTRYPLACE MORTGAGE, LTD. $225,000 $345,000 53.3% 0.2%
CSL Financial, LLC $345,000 n/a 0.2%
LRS FINANCIAL NETWORK, INC. $335,000 n/a 0.2%
Newfirst National Bank $335,000 n/a 0.2%
OCMBC, INC. $335,000 n/a 0.2%
TrustTexas Bank, SSB $335,000 n/a 0.2%
MOVEMENT MORTGAGE, LLC $255,000 $330,000 29.4% 0.2%
Regions Bank $830,000 $325,000 -60.8% 0.2%
UNITED BUILT HOMES, L.L.C. $295,000 $325,000 10.2% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $275,000 $320,000 16.4% 0.2%
H E B $315,000 n/a 0.2%
American Mortgage & Equity Consultants, Inc. $215,000 $305,000 41.9% 0.2%
Neighborhood Loans, Inc. $300,000 n/a 0.2%
Truist $1,880,000 $300,000 -84.0% 0.2%
AMWEST FUNDING CORP. $295,000 n/a 0.2%
SWBC MORTGAGE CORPORATION $1,515,000 $290,000 -80.9% 0.2%
MORTGAGE FINANCIAL SERVICES, LLC $285,000 $285,000 0.0% 0.2%
TRUWEST Credit Union $285,000 n/a 0.2%
VELOCITY COMMERCIAL CAPITAL, LLC $285,000 n/a 0.2%
HOMEXPRESS MORTGAGE CORP. $955,000 $275,000 -71.2% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $270,000 n/a 0.2%
WESTSTAR MORTGAGE CORPORATION $105,000 $265,000 152.4% 0.2%
Morgan Stanley Private Bank $2,020,000 $245,000 -87.9% 0.1%
PLAZA HOME MORTGAGE, INC. $245,000 n/a 0.1%
First National Bank of Central Texas $225,000 n/a 0.1%
Mid-Continent Funding, Inc. $225,000 n/a 0.1%
AHL FUNDING $215,000 n/a 0.1%
City Bank $215,000 n/a 0.1%
FLAT BRANCH MORTGAGE, INC. $215,000 n/a 0.1%
Texas State Bank $215,000 n/a 0.1%
SouthStar Bank, S.S.B. $755,000 $205,000 -72.8% 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $205,000 n/a 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $195,000 n/a 0.1%
AmeriHome Mortgage Company, LLC $895,000 $185,000 -79.3% 0.1%
CARDINAL FINANCIAL $1,885,000 $185,000 -90.2% 0.1%
ENVOY MORTGAGE, LTD $185,000 n/a 0.1%
Florida Capital Bank $345,000 $185,000 -46.4% 0.1%
T2 FINANCIAL LLC $185,000 n/a 0.1%
Bank of America $1,170,000 $175,000 -85.0% 0.1%
MidFirst Bank $165,000 n/a 0.1%
Mr. Cooper ( Nationstar Mortgage ) $1,310,000 $165,000 -87.4% 0.1%
Discover Bank $160,000 n/a 0.1%
Classic Bank $155,000 n/a 0.1%
First Federal Bank $425,000 $155,000 -63.5% 0.1%
Texas Gulf Bank $155,000 n/a 0.1%
VELOCITY Credit Union $145,000 n/a 0.1%
Central Bank $220,000 $120,000 -45.5% 0.1%
AUSTIN COUNTY STATE BANK $105,000 n/a 0.1%
HomeBank Texas $55,000 $95,000 72.7% 0.1%
TRIAD FINANCIAL SERVICES, INC. $410,000 $95,000 -76.8% 0.1%
SOUTHWEST STAGE FUNDING, LLC $85,000 $85,000 0.0% 0.0%
Crossroads Bank $725,000 $75,000 -89.7% 0.0%
BOKF $65,000 n/a 0.0%
COASTAL COMMUNITY AND TEACHERS Credit Union $65,000 n/a 0.0%
FirstBank $95,000 $65,000 -31.6% 0.0%
First Commercial Bank $55,000 n/a 0.0%
CERTIFIED FUNDING, L.P. $35,000 n/a 0.0%

Rockport's top lender by overall market share is GUILD MORTGAGE COMPANY, with 12.8% market share. In second place, with 5.3%, is Prosperity Bank, having originated $9,150,000 in loans. In third place, with 4.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $7,710,000 in loans. In fourth place, with 3.9%, is QUICKEN LOANS, LLC, having originated $6,680,000 in loans. In fifth place, with 3.5%, is RANDOLPH-BROOKS, having originated $5,995,000 in loans.

Rockport, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 440 $143,100,000 $325,227
Cash Out Refi 52 $15,060,000 $289,615
Refi 29 $6,615,000 $228,103
Other 24 $5,070,000 $211,250
Home Improvement 17 $2,365,000 $139,118

Rockport's most frequently cited loan purpose was Home Purchase, with 440 originations. The 2nd most popular reason was Cash Out Refi, with 52 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 188 $58,310,000 $310,160
7-8% 180 $55,400,000 $307,778
Over 8% 72 $15,700,000 $218,056
5-6% 69 $23,995,000 $347,754
4-5% 4 $1,150,000 $287,500
<2.5% 2 $10,000 $5,000
2.5-3% 1 $385,000 $385,000

During 2023, Rockport's most frequently originated rate bucket was 6-7%, with 188 originations.

Loan Sizing (Rockport, TX MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 252 $74,900,000 $297,222
$100k-200k 135 $20,635,000 $152,852
$400k-600k 82 $39,190,000 $477,927
$100,000 or less 53 $3,645,000 $68,774
$600k-1000k 32 $22,680,000 $708,750
$Over $1MM 8 $11,160,000 $1,395,000

Rockport's loan sizing saw the bucket of loans from $200k-400k with 252 originations, totaling $74,900,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 203 $67,935,000 $334,655
60-80% 176 $56,950,000 $323,580
40-60% 66 $19,590,000 $296,818
20-40% 39 $5,295,000 $135,769
Under 20% 18 $1,660,000 $92,222
Over 100% 8 $2,290,000 $286,250

Rockport's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 203 originations, totaling $67,935,000 in origination value.