Rockport Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Rockport averaged
6.87%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.98% and
one month ago for the week of 2025-02-27, the
average rate was 6.99%.
Rockport's average rate one year ago was 7.22%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.74%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Rockport 30 Year Fixed Rate | 2025-04-03 | 6.87% |
| Rockport 30 Year Fixed Rate Refi | 2025-04-03 | 6.74% |
| Rockport 15 Year Fixed Rate | 2025-04-03 | 5.92% |
| Rockport 15 Year Fixed Rate Refi | 2025-04-03 | 5.82% |
| Rockport 30 Year FHA | 2025-04-03 | 6.36% |
| Rockport 30 Year FHA Refi | 2025-04-03 | 6.26% |
| Rockport 30 Year USDA | 2025-04-03 | 6.22% |
| Rockport 30 Year USDA Refi | 2025-04-03 | 6.42% |
| Rockport 30 Year VA | 2025-04-03 | 6.16% |
| Rockport 30 Year VA Refi | 2025-04-03 | 6.06% |
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.).
Rockport Average Closing Costs & Other Stats
Rockport, TX's 80 lenders originated 549
loans during 2024. The total origination value was $177,515,000, with an average loan value of
$323,342.
Rockport's average closing costs are $6,655.
The top Rockport lender as defined by loan originations is GUILD MORTGAGE COMPANY, with
34 loans originated. Their average total fees are
$8,474, which is $199
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Rockport lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($3,928), NAVY ARMY COMMUNITY CREDIT UNION ($4,166), QUICKEN LOANS, LLC ($8,276), UNITED WHOLESALE MORTGAGE, LLC ($8,400) and GUILD MORTGAGE COMPANY ($8,474).
The lowest rate Rockport lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.53%), NAVY ARMY COMMUNITY CREDIT UNION (6.69%), SFMC, LP (6.76%), UNITED WHOLESALE MORTGAGE, LLC (6.87%) and QUICKEN LOANS, LLC (6.93%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | $22,105,000 | $15,965,000 | -27.8% | 9.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $7,710,000 | $11,675,000 | 51.4% | 6.6% |
| Prosperity Bank | $9,150,000 | $11,110,000 | 21.4% | 6.3% |
| DHI MORTGAGE COMPANY, LTD. | $2,930,000 | $9,545,000 | 225.8% | 5.4% |
| QUICKEN LOANS, LLC | $6,680,000 | $6,410,000 | -4.0% | 3.6% |
| Grand Bank | $6,245,000 | n/a | 3.5% | |
| SFMC, LP | $5,540,000 | n/a | 3.1% | |
| RANDOLPH-BROOKS | $5,995,000 | $5,420,000 | -9.6% | 3.1% |
| NAVY ARMY COMMUNITY CREDIT UNION | $5,655,000 | $4,675,000 | -17.3% | 2.6% |
| First Community Bank | $1,020,000 | $4,230,000 | 314.7% | 2.4% |
| JPMorgan Chase Bank | $450,000 | $3,680,000 | 717.8% | 2.1% |
| NFM, INC. | $3,730,000 | $3,170,000 | -15.0% | 1.8% |
| CMG MORTGAGE, INC. | $4,000,000 | $2,940,000 | -26.5% | 1.7% |
| OCMBC, INC. | $335,000 | $2,640,000 | 688.1% | 1.5% |
| FREEDOM MORTGAGE CORPORATION | $365,000 | $2,145,000 | 487.7% | 1.2% |
| Century Mortgage Company DBA Century Lending Company | $395,000 | $2,120,000 | 436.7% | 1.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,535,000 | $2,095,000 | -17.4% | 1.2% |
| GARDNER FINANCIAL SERVICES, LTD. | $2,110,000 | $2,070,000 | -1.9% | 1.2% |
| MID AMERICA MORTGAGE, INC. | $2,750,000 | $1,900,000 | -30.9% | 1.1% |
| SECURITY SERVICE | $2,135,000 | $1,870,000 | -12.4% | 1.1% |
| NAVY FEDERAL CREDIT UNION | $1,025,000 | $1,780,000 | 73.7% | 1.0% |
| American Bank | $2,865,000 | $1,765,000 | -38.4% | 1.0% |
| Simmons Bank | $1,690,000 | n/a | 1.0% | |
| Security State Bank & Trust | $1,600,000 | n/a | 0.9% | |
| 21ST MORTGAGE CORPORATION | $1,975,000 | $1,590,000 | -19.5% | 0.9% |
| Wells Fargo Bank | $1,875,000 | $1,560,000 | -16.8% | 0.9% |
| BROKER SOLUTIONS, INC. | $430,000 | $1,410,000 | 227.9% | 0.8% |
| BETTER MORTGAGE CORPORATION | $1,400,000 | n/a | 0.8% | |
| CROSSCOUNTRY MORTGAGE, LLC | $1,240,000 | $1,355,000 | 9.3% | 0.8% |
| Citizens State Bank | $1,345,000 | n/a | 0.8% | |
| LRS FINANCIAL NETWORK, INC. | $335,000 | $1,315,000 | 292.5% | 0.7% |
| CORNERSTONE HOME LENDING, INC. | $385,000 | $1,295,000 | 236.4% | 0.7% |
| AMWEST FUNDING CORP. | $295,000 | $1,265,000 | 328.8% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $165,000 | $1,205,000 | 630.3% | 0.7% |
| PNC Bank | $1,165,000 | n/a | 0.7% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,335,000 | $1,120,000 | -16.1% | 0.6% |
| Gateway First Bank | $800,000 | $1,100,000 | 37.5% | 0.6% |
| UNION HOME MORTGAGE CORP. | $1,060,000 | n/a | 0.6% | |
| FIRST STATE BANK | $2,005,000 | $1,020,000 | -49.1% | 0.6% |
| Mortgage Research Center, LLC | $2,275,000 | $1,000,000 | -56.0% | 0.6% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $270,000 | $990,000 | 266.7% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $635,000 | $920,000 | 44.9% | 0.5% |
| LEGEND LENDING CORPORATION | $2,415,000 | $910,000 | -62.3% | 0.5% |
| First Financial Bank | $990,000 | $880,000 | -11.1% | 0.5% |
| DAS Acquisition Company, LLC | $845,000 | n/a | 0.5% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $2,275,000 | $825,000 | -63.7% | 0.5% |
| WILLOW BEND MORTGAGE COMPANY, LLC | $575,000 | $820,000 | 42.6% | 0.5% |
| Wallick & Volk, Inc. | $410,000 | $810,000 | 97.6% | 0.5% |
| Frost Bank | $480,000 | $805,000 | 67.7% | 0.5% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $800,000 | n/a | 0.5% | |
| GUARANTEED RATE, INC. | $2,120,000 | $790,000 | -62.7% | 0.4% |
| American Airlines Federal Credit Union | $750,000 | n/a | 0.4% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $320,000 | $740,000 | 131.3% | 0.4% |
| Southside Bank | $725,000 | n/a | 0.4% | |
| SUMMIT FUNDING, INC. | $720,000 | n/a | 0.4% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $685,000 | n/a | 0.4% | |
| Flagstar Bank, FSB | $530,000 | $660,000 | 24.5% | 0.4% |
| Network Funding, L.P. | $435,000 | $625,000 | 43.7% | 0.4% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $600,000 | n/a | 0.3% | |
| NBKC BANK | $595,000 | n/a | 0.3% | |
| MORTGAGE FINANCIAL SERVICES, LLC | $285,000 | $580,000 | 103.5% | 0.3% |
| SECURITYNATIONAL MORTGAGE COMPANY | $580,000 | n/a | 0.3% | |
| Castroville State Bank | $535,000 | n/a | 0.3% | |
| LOANDEPOT.COM, LLC | $1,030,000 | $535,000 | -48.1% | 0.3% |
| The Bank of San Antonio | $535,000 | n/a | 0.3% | |
| LOANPEOPLE, LLC | $770,000 | $525,000 | -31.8% | 0.3% |
| NATIONS RELIABLE LENDING, LLC | $955,000 | $525,000 | -45.0% | 0.3% |
| PHH Mortgage Corporation | $520,000 | n/a | 0.3% | |
| CHURCHILL MORTGAGE CORPORATION | $360,000 | $510,000 | 41.7% | 0.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $505,000 | n/a | 0.3% | |
| DIRECTIONS EQUITY, LLC | $500,000 | n/a | 0.3% | |
| LENDINGHOME FUNDING CORPORATION | $1,380,000 | $490,000 | -64.5% | 0.3% |
| CARDINAL FINANCIAL | $185,000 | $475,000 | 156.8% | 0.3% |
| COUNTRYPLACE MORTGAGE, LTD. | $345,000 | $470,000 | 36.2% | 0.3% |
| 5TH STREET CAPITAL, INC. | $465,000 | n/a | 0.3% | |
| Carrington Mortgage Services, LLC | $465,000 | n/a | 0.3% | |
| UNITED BUILT HOMES, L.L.C. | $325,000 | $450,000 | 38.5% | 0.3% |
| AUSTIN TELCO Federal Credit Union | $435,000 | n/a | 0.2% | |
| Alcova Mortgage LLC | $425,000 | n/a | 0.2% | |
| GUARANTEED RATE AFFINITY, LLC | $620,000 | $415,000 | -33.1% | 0.2% |
| First Commercial Bank | $55,000 | $410,000 | 645.5% | 0.2% |
| Bank of America | $175,000 | $400,000 | 128.6% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $415,000 | $395,000 | -4.8% | 0.2% |
| BOKF | $65,000 | $375,000 | 476.9% | 0.2% |
| VeraBank | $370,000 | n/a | 0.2% | |
| GENEVA FINANCIAL, LLC | $365,000 | n/a | 0.2% | |
| Paramount Residential Mortgage Group, Inc. | $365,000 | n/a | 0.2% | |
| Pinnacle Bank | $365,000 | n/a | 0.2% | |
| USAA Federal Savings Bank | $1,075,000 | $365,000 | -66.0% | 0.2% |
| Citadel Servicing Corporation | $485,000 | $355,000 | -26.8% | 0.2% |
| Hamilton Mortgage Corporation | $355,000 | n/a | 0.2% | |
| NexBank | $355,000 | n/a | 0.2% | |
| The Loan Store, Inc. | $355,000 | n/a | 0.2% | |
| GERSHMAN INVESTMENT CORP. | $345,000 | n/a | 0.2% | |
| PLAZA HOME MORTGAGE, INC. | $245,000 | $345,000 | 40.8% | 0.2% |
| Logan Finance Corporation | $325,000 | n/a | 0.2% | |
| Truity Federal Credit Union | $315,000 | n/a | 0.2% | |
| LENDSURE MORTGAGE CORP. | $305,000 | n/a | 0.2% | |
| AMPLIFY | $295,000 | n/a | 0.2% | |
| Crossroads Bank | $75,000 | $295,000 | 293.3% | 0.2% |
| First State Bank | $405,000 | $295,000 | -27.2% | 0.2% |
| GULF COAST | $295,000 | n/a | 0.2% | |
| HOME FINANCING UNLIMITED, INC. | $295,000 | n/a | 0.2% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $195,000 | $295,000 | 51.3% | 0.2% |
| NEXERA HOLDING LLC | $285,000 | n/a | 0.2% | |
| TRIAD FINANCIAL SERVICES, INC. | $95,000 | $280,000 | 194.7% | 0.2% |
| Barrington Bank & Trust Company, N.A. | $275,000 | n/a | 0.2% | |
| Citizens Bank | $1,295,000 | $275,000 | -78.8% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $1,665,000 | $275,000 | -83.5% | 0.2% |
| Frontier Bank of Texas | $530,000 | $275,000 | -48.1% | 0.2% |
| Broadway National Bank | $2,315,000 | $265,000 | -88.6% | 0.1% |
| Citibank | $655,000 | $255,000 | -61.1% | 0.1% |
| GoPrime Mortgage, Inc. | $255,000 | n/a | 0.1% | |
| NEWREZ LLC | $800,000 | $255,000 | -68.1% | 0.1% |
| Veritex Community Bank | $255,000 | n/a | 0.1% | |
| CANOPY MORTGAGE, LLC | $245,000 | n/a | 0.1% | |
| FIRST TECHNOLOGY | $245,000 | n/a | 0.1% | |
| Greenbox Loans, Inc. | $245,000 | n/a | 0.1% | |
| Gulf Coast Bank and Trust Company | $245,000 | n/a | 0.1% | |
| UNIVERSITY Federal Credit Union | $1,305,000 | $245,000 | -81.2% | 0.1% |
| ZILLOW HOME LOANS, LLC | $245,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $235,000 | n/a | 0.1% | |
| Texas Regional Bank | $385,000 | $235,000 | -39.0% | 0.1% |
| CALCON MUTUAL MORTGAGE LLC | $615,000 | $225,000 | -63.4% | 0.1% |
| EVERETT FINANCIAL, INC. | $215,000 | n/a | 0.1% | |
| Legend Bank, N.A. | $215,000 | n/a | 0.1% | |
| MICHIGAN MUTUAL, INC. | $530,000 | $215,000 | -59.4% | 0.1% |
| CommunityBank of Texas, N.A. | $1,220,000 | $205,000 | -83.2% | 0.1% |
| Third Coast Bank SSB | $205,000 | n/a | 0.1% | |
| First Horizon Bank | $185,000 | n/a | 0.1% | |
| First National Bank of America | $185,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $185,000 | n/a | 0.1% | |
| ARC HOME LLC | $175,000 | n/a | 0.1% | |
| Centennial Bank | $175,000 | n/a | 0.1% | |
| PREMIA MORTGAGE, LLC | $175,000 | n/a | 0.1% | |
| First National Bank in Port Lavaca | $355,000 | $165,000 | -53.5% | 0.1% |
| A+ Federal Credit Union | $575,000 | $155,000 | -73.0% | 0.1% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $155,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $155,000 | n/a | 0.1% | |
| HOMESIDE FINANCIAL, LLC | $145,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $275,000 | $145,000 | -47.3% | 0.1% |
| LONGBRIDGE FINANCIAL, LLC | $135,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $85,000 | $115,000 | 35.3% | 0.1% |
| CHARTER BANK | $1,260,000 | $105,000 | -91.7% | 0.1% |
| MOBILOIL | $105,000 | n/a | 0.1% | |
| CSL Financial, LLC | $345,000 | $95,000 | -72.5% | 0.1% |
| The Bank & Trust | $85,000 | n/a | 0.0% | |
| Truist | $300,000 | $85,000 | -71.7% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $435,000 | $75,000 | -82.8% | 0.0% |
Rockport's top lender by overall market share is GUILD MORTGAGE COMPANY, with 9.0% market share. In second place, with 6.6%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $11,675,000 in loans. In third place, with 6.3%, is Prosperity Bank, having originated $11,110,000 in loans. In fourth place, with 5.4%, is DHI MORTGAGE COMPANY, LTD., having originated $9,545,000 in loans. In fifth place, with 3.6%, is QUICKEN LOANS, LLC, having originated $6,410,000 in loans.
Rockport, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 405 | $141,825,000 | $350,185 |
| Cash Out Refi | 69 | $15,555,000 | $225,435 |
| Refi | 39 | $12,005,000 | $307,821 |
| Other | 23 | $4,965,000 | $215,870 |
| Home Improvement | 12 | $2,720,000 | $226,667 |
| NA | 1 | $445,000 | $445,000 |
Rockport's most frequently cited loan purpose was Home Purchase, with 405 originations. The 2nd most popular reason was Cash Out Refi, with 69 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 205 | $73,035,000 | $356,268 |
| 7-8% | 147 | $44,605,000 | $303,435 |
| 5-6% | 75 | $22,435,000 | $299,133 |
| Over 8% | 67 | $13,345,000 | $199,179 |
| 4-5% | 15 | $5,025,000 | $335,000 |
| <2.5% | 2 | $170,000 | $85,000 |
During 2024, Rockport's most frequently originated rate bucket was 6-7%, with 205 originations.
Loan Sizing (Rockport, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 283 | $81,795,000 | $289,028 |
| $100k-200k | 109 | $16,475,000 | $151,147 |
| $400k-600k | 68 | $33,300,000 | $489,706 |
| $100,000 or less | 48 | $3,370,000 | $70,208 |
| $600k-1000k | 26 | $18,130,000 | $697,308 |
| $Over $1MM | 15 | $24,445,000 | $1,629,667 |
Rockport's loan sizing saw the bucket of loans from $200k-400k with 283 originations, totaling $81,795,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 206 | $66,710,000 | $323,835 |
| 60-80% | 164 | $60,730,000 | $370,305 |
| 40-60% | 66 | $18,560,000 | $281,212 |
| 20-40% | 36 | $5,460,000 | $151,667 |
| Under 20% | 18 | $1,210,000 | $67,222 |
| Over 100% | 16 | $4,570,000 | $285,625 |
Rockport's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 206 originations, totaling $66,710,000 in origination value.