Snyder Mortgage Rates

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

30 Year Fixed Rate mortgages in Snyder averaged 5.97% for the week of 2022-06-23, compared to the national average of 5.81% for the same period.

The average rate for the prior week (2022-06-16) was 5.94% and one month ago for the week of 2022-05-19, the average rate was 5.61%.

Snyder's average rate one year ago was 3.51%.

For refis of the same type during the week of 2022-06-23, the average rate was 5.85%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-23 5.81%
Snyder 30 Year Fixed Rate 2022-06-23 5.97%
Snyder 30 Year Fixed Rate Refi 2022-06-23 5.85%
Snyder 15 Year Fixed Rate 2022-06-23 5.73%
Snyder 15 Year Fixed Rate Refi 2022-06-23 5.56%
Snyder 30 Year FHA 2022-06-23 0.64%
Snyder 30 Year FHA Refi 2022-06-23 -0.05%
Snyder 30 Year USDA 2022-06-23 0.02%
Snyder 30 Year VA 2022-06-23 0.61%
Snyder 30 Year VA Refi 2022-06-23 -0.33%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Snyder, TX.

Snyder Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Snyder, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
First Bank & Trust 7 3.46% $4,458
ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 3.31% $3,766
QUICKEN LOANS, LLC 6 3.31% $4,825
LRS FINANCIAL NETWORK, INC. 5 3.68% $4,160
Prosperity Bank 5 3.10% $3,203
AMERISAVE MORTGAGE CORPORATION 4 3.41% $6,852
TEXAS TECH 4 2.91% $4,216
Jefferson Bank 3 3.13% $3,709
LOANPAL, LLC 2 3.18% $8,517
Gateway First Bank 2 3.56% $4,173
PENNYMAC LOAN SERVICES, LLC 2 3.06% $6,107
INTERLINC MORTGAGE SERVICES, LLC 2 3.37% $10,893
CMG MORTGAGE, INC. 2 3.12% $6,032
NAVY FEDERAL CREDIT UNION 1 3.00% $1,838
NEWREZ LLC 1 2.88% $4,352
ROYAL UNITED MORTGAGE LLC 1 3.25% $7,076
SFMC, LP 1 2.88% $5,169
THRIVE MORTGAGE, LLC 1 3.38% $3,933
UNION HOME MORTGAGE CORP. 1 3.38% $3,022
Amarillo National Bank 1 2.63% $3,592
Waterstone Mortgage Corporation 1 3.13% $5,492
AMCAP MORTGAGE, LTD. 1 4.00% $7,352
BROKER SOLUTIONS, INC. 1 3.25% $5,211
Carrington Mortgage Services, LLC 1 3.00% $3,356
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.38% $4,844
First Guaranty Mortgage Corporation 1 2.75% $2,181
Flagstar Bank, FSB 1 2.75% $6,045
GENEVA FINANCIAL, LLC 1 3.25% $4,090
GREATER TEXAS FEDERAL CREDIT UNION 1 2.88% $6,526
HOMESIDE FINANCIAL, LLC 1 3.13% $4,470
LOANDEPOT.COM, LLC 1 2.88% $3,427
MORTGAGE FINANCIAL SERVICES, LLC 1 3.38% $4,133
Mr. Cooper ( Nationstar Mortgage ) 1 3.88% $3,985

Snyder, TX's 33 lenders originated 289 loans during 2021. The total origination value was $41,315,000, with an average loan value of $142,958.

The top Snyder lender as defined by loan originations is First Bank & Trust, with 7 loans originated. Their average total fees are $4,458, which is $692 higher than the next largest lender, ARK-LA-TEX FINANCIAL SERVICES, LLC..

The lowest fee Snyder lenders (with over 10 loans originated) are .

The lowest rate Snyder lenders (with over 10 loans originated) are .

Snyder, TX Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
First Bank & Trust $3,815,000 $4,550,000 19.3% 11.0%
QUICKEN LOANS, LLC $2,100,000 $4,070,000 93.8% 9.9%
INTERLINC MORTGAGE SERVICES, LLC $1,895,000 $3,080,000 62.5% 7.5%
LRS FINANCIAL NETWORK, INC. $1,895,000 n/a 4.6%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $3,030,000 $1,550,000 -48.8% 3.8%
Jefferson Bank $1,510,000 $1,335,000 -11.6% 3.2%
UBank $1,325,000 n/a 3.2%
TEXAS TECH $175,000 $1,245,000 611.4% 3.0%
21ST MORTGAGE CORPORATION $250,000 $1,185,000 374.0% 2.9%
PENNYMAC LOAN SERVICES, LLC $185,000 $1,155,000 524.3% 2.8%
Prosperity Bank $555,000 $1,140,000 105.4% 2.8%
FREEDOM MORTGAGE CORPORATION $1,630,000 $1,080,000 -33.7% 2.6%
City Bank $405,000 $755,000 86.4% 1.8%
AMCAP MORTGAGE, LTD. $370,000 $710,000 91.9% 1.7%
AMERISAVE MORTGAGE CORPORATION $695,000 n/a 1.7%
NEWREZ LLC $75,000 $655,000 773.3% 1.6%
InterContinental Capital Group, Inc $625,000 n/a 1.5%
LEADERONE FINANCIAL CORPORATION $1,780,000 $600,000 -66.3% 1.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $155,000 $565,000 264.5% 1.4%
PRIMARY RESIDENTIAL MORTGAGE, INC. $275,000 $530,000 92.7% 1.3%
LOANPAL, LLC $510,000 n/a 1.2%
Gateway First Bank $640,000 $495,000 -22.7% 1.2%
Mr. Cooper ( Nationstar Mortgage ) $220,000 $495,000 125.0% 1.2%
NAVY FEDERAL CREDIT UNION $350,000 $495,000 41.4% 1.2%
CMG MORTGAGE, INC. $575,000 $490,000 -14.8% 1.2%
First Financial Bank $560,000 $485,000 -13.4% 1.2%
Mortgage Research Center, LLC $655,000 $455,000 -30.5% 1.1%
UNITED WHOLESALE MORTGAGE, LLC $175,000 $410,000 134.3% 1.0%
MORTGAGE FINANCIAL SERVICES, LLC $375,000 n/a 0.9%
Barrington Bank & Trust Company, N.A. $225,000 $340,000 51.1% 0.8%
CALIBER HOME LOANS, INC. $385,000 $330,000 -14.3% 0.8%
LOANDEPOT.COM, LLC $305,000 n/a 0.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $380,000 $300,000 -21.1% 0.7%
PLANET HOME LENDING, LLC $295,000 n/a 0.7%
Citizens Bank & Trust Company of Vivian, Louisiana $165,000 $285,000 72.7% 0.7%
NEW DAY FINANCIAL, LLC $185,000 $255,000 37.8% 0.6%
Flagstar Bank, FSB $75,000 $245,000 226.7% 0.6%
Republic State Mortgage Co. $505,000 $245,000 -51.5% 0.6%
Carrington Mortgage Services, LLC $230,000 n/a 0.6%
First Guaranty Mortgage Corporation $85,000 $230,000 170.6% 0.6%
GENEVA FINANCIAL, LLC $230,000 n/a 0.6%
AMERICAN HOMESTAR MORTGAGE, L.L.C. $215,000 n/a 0.5%
Wyndham Capital Mortgage, Inc. $215,000 n/a 0.5%
LENDINGHOME FUNDING CORPORATION $205,000 n/a 0.5%
THRIVE MORTGAGE, LLC $205,000 n/a 0.5%
BROKER SOLUTIONS, INC. $145,000 $200,000 37.9% 0.5%
GREATER TEXAS FEDERAL CREDIT UNION $195,000 n/a 0.5%
ROYAL UNITED MORTGAGE LLC $200,000 $190,000 -5.0% 0.5%
SOUTHWEST STAGE FUNDING, LLC $145,000 $185,000 27.6% 0.4%
Waterstone Mortgage Corporation $185,000 n/a 0.4%
Ally Bank $175,000 n/a 0.4%
U.S. Bank $175,000 n/a 0.4%
Wells Fargo Bank $340,000 $175,000 -48.5% 0.4%
Sunflower Bank $165,000 n/a 0.4%
COMMUNITIES OF ABILENE FEDERAL CREDIT UNION $155,000 n/a 0.4%
DAS Acquisition Company, LLC $155,000 n/a 0.4%
HOMESIDE FINANCIAL, LLC $155,000 n/a 0.4%
PHH Mortgage Corporation $155,000 n/a 0.4%
DHI MORTGAGE COMPANY, LTD. $150,000 n/a 0.4%
Lakeview Community Capital, LLC $75,000 $145,000 93.3% 0.4%
EECU $135,000 n/a 0.3%
FIRST NATIONAL BANK OF WEATHERFORD $135,000 n/a 0.3%
PNC Bank $135,000 n/a 0.3%
The First National Bank of Albany $120,000 n/a 0.3%
Amarillo National Bank $275,000 $115,000 -58.2% 0.3%
Nations Lending Corporation $115,000 n/a 0.3%
PRIMELENDING, A PLAINSCAPITAL COMPANY $125,000 $115,000 -8.0% 0.3%
GREAT WESTERN FINANCIAL SERVICES, INC. $125,000 $105,000 -16.0% 0.3%
OPEN MORTGAGE, LLC $45,000 $95,000 111.1% 0.2%
UNION HOME MORTGAGE CORP. $95,000 n/a 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $45,000 $95,000 111.1% 0.2%
SFMC, LP $85,000 n/a 0.2%
TRIAD FINANCIAL SERVICES, INC. $85,000 n/a 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $95,000 $85,000 -10.5% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $65,000 n/a 0.2%
USAA Federal Savings Bank $255,000 $65,000 -74.5% 0.2%
ABILENE TEACHERS Federal Credit Union $45,000 $25,000 -44.4% 0.1%

Snyder's top lender by overall market share is First Bank & Trust, with 11.0% market share. In second place, with 9.9%, is QUICKEN LOANS, LLC, having originated $4,070,000 in loans. In third place, with 7.5%, is INTERLINC MORTGAGE SERVICES, LLC, having originated $3,080,000 in loans. In third place, with 4.6%, is LRS FINANCIAL NETWORK, INC., having originated $1,895,000 in loans. In third place, with 3.8%, is ARK-LA-TEX FINANCIAL SERVICES, LLC., having originated $1,550,000 in loans.


Snyder, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 154 $21,150,000 $137,338
Refi 105 $15,485,000 $147,476
Cash Out Refi 20 $3,960,000 $198,000
Home Improvement 8 $540,000 $67,500
Other 2 $180,000 $90,000

Snyder's most frequently cited loan purpose was Home Purchase, with 154 originations. The 2nd most popular reason was Refi, with 105 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 111 $16,405,000 $147,793
2.5-3% 80 $11,440,000 $143,000
<2.5% 37 $6,055,000 $163,649
4-5% 28 $3,190,000 $113,929
5-6% 12 $930,000 $77,500
Over 8% 8 $630,000 $78,750
6-7% 5 $505,000 $101,000
7-8% 2 $290,000 $145,000

During 2021, Snyder's most frequently originated rate bucket was 3-4%, with 111 originations.

Loan Sizing (Snyder, TX MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 130 $18,770,000 $144,385
$100,000 or less 102 $6,660,000 $65,294
$200k-400k 55 $14,155,000 $257,364
$400k-600k 1 $405,000 $405,000
$Over $1MM 1 $1,325,000 $1,325,000

Snyder's loan sizing saw the bucket of loans from $100k-200k with 130 originations, totaling $18,770,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 140 $22,000,000 $157,143
60-80% 76 $9,770,000 $128,553
40-60% 27 $2,915,000 $107,963
20-40% 15 $1,155,000 $77,000
Over 100% 7 $1,295,000 $185,000
Under 20% 6 $190,000 $31,667

Snyder's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 140 originations, totaling $22,000,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Snyder (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $129,250 (-13.3%) $164,238 (-8.1%) 0.00 116
2018-02-01 $127,450 (-14.8%) $168,034 (-7.2%) 0.00 118
2018-03-01 $125,000 (-19.1%) $164,267 (-8.4%) 0.00 124
2018-04-01 $126,450 (-15.7%) $162,977 (-8.1%) 0.00 128
2018-05-01 $132,450 (-11.1%) $166,247 (-13.3%) 0.00 122
2018-06-01 $139,000 (-6.2%) $170,658 (-8.0%) 0.00 121
2018-07-01 $139,000 (4.9%) $166,061 (-5.6%) 0.00 122
2018-08-01 $130,950 (1.0%) $158,474 (-10.7%) 0.00 125
2018-09-01 $124,000 (-4.6%) $147,555 (-19.2%) 0.00 122
2018-10-01 $125,000 (0.0%) $149,153 (-11.1%) 0.00 112
2018-11-01 $123,500 (-3.1%) $333,682 (98.6%) 0.00 106
2018-12-01 $123,000 (-1.6%) $358,869 (119.9%) 0.00 102
2019-01-01 $121,250 (-6.2%) $381,721 (132.4%) 0.00 88
2019-02-01 $113,500 (-11.0%) $392,955 (133.9%) 0.00 80
2019-03-01 $106,857 (-14.5%) $377,427 (129.8%) 0.00 85
2019-04-01 $103,357 (-18.3%) $338,142 (107.5%) 0.00 99
2019-05-01 $117,500 (-11.3%) $328,479 (97.6%) 0.00 104
2019-06-01 $125,000 (-10.1%) $326,133 (91.1%) 0.00 105
2019-07-01 $125,000 (-10.1%) $316,764 (90.8%) 0.00 111
2019-08-01 $127,000 (-3.0%) $182,986 (15.5%) 0.00 103
2019-09-01 $127,000 (2.4%) $143,748 (-2.6%) 0.00 91
2019-10-01 $125,000 (0.0%) $143,031 (-4.1%) 0.00 87
2019-11-01 $125,000 (1.2%) $137,582 (-58.8%) 0.00 82
2019-12-01 $125,000 (1.6%) $132,090 (-63.2%) 0.00 80
2020-01-01 $126,750 (4.5%) $139,742 (-63.4%) 0.00 72
2020-02-01 $129,000 (13.7%) $139,497 (-64.5%) 0.00 69
2020-03-01 $130,250 (21.9%) $145,630 (-61.4%) 0.00 74
2020-04-01 $134,900 (30.5%) $153,577 (-54.6%) 0.00 81
2020-05-01 $135,000 (14.9%) $146,909 (-55.3%) 0.00 69
2020-06-01 $135,000 (8.0%) $147,282 (-54.8%) 0.00 66
2020-07-01 $137,000 (9.6%) $148,845 (-53.0%) 0.00 63
2020-08-01 $139,000 (9.5%) $157,137 (-14.1%) 0.00 51
2020-09-01 $139,000 (9.5%) $164,944 (14.8%) 0.00 50
2020-10-01 $140,000 (12.0%) $181,115 (26.6%) 0.00 50
2020-11-01 $168,000 (34.4%) $188,485 (37.0%) 0.00 53
2020-12-01 $150,000 (20.0%) $183,365 (38.8%) 0.00 55
2021-01-01 $149,000 (17.6%) $169,235 (21.1%) 0.00 55
2021-02-01 $144,500 (12.0%) $182,619 (30.9%) 0.00 41
2021-03-01 $152,200 (16.9%) $195,453 (34.2%) 0.00 35
2021-04-01 $139,000 (3.0%) $171,816 (11.9%) 0.00 33
2021-05-01 $149,500 (10.7%) $175,671 (19.6%) 0.00 35
2021-06-01 $135,000 (0.0%) $174,052 (18.2%) 0.00 29
2021-07-01 $154,500 (12.8%) $176,051 (18.3%) 0.00 33
2021-08-01 $176,500 (27.0%) $246,587 (56.9%) 0.00 36
2021-09-01 $169,500 (21.9%) $236,073 (43.1%) 0.00 37
2021-10-01 $175,000 (25.0%) $205,889 (13.7%) 0.00 41
2021-11-01 $157,000 (-6.6%) $203,043 (7.7%) 0.00 47
2021-12-01 $150,000 (0.0%) $191,678 (4.5%) 0.00 47
2022-01-01 $175,000 (17.5%) $201,401 (19.0%) 0.00 47
2022-02-01 $149,000 (3.1%) $196,939 (7.8%) 0.00 46
2022-03-01 $149,500 (-1.8%) $184,914 (-5.4%) 0.00 40
2022-04-01 $168,000 (20.9%) $185,035 (7.7%) 0.00 47
2022-05-01 $172,000 (15.1%) $196,875 (12.1%) 0.00 46
Snyder's median listing price for 2022-05-01 was $172,000, a difference of $22,500 (15.1%) versus the prior year and $4,000 versus the prior month.

Snyder's median listing price comes in at 0% of the national average.

Snyder's average listing price for 2022-05-01 was $196,875, a difference of $21,204 (12.1%) versus the prior year and $11,840 versus the prior month.

For the 2022-05-01 period, Snyder had 46 MLS listings, a difference of -1 listings (-2%) versus the prior month and 11 listings (31%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Snyder (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,758 sqft
2018-02-01 0 days 1,813 sqft
2018-03-01 0 days 1,803 sqft
2018-04-01 0 days 1,784 sqft
2018-05-01 0 days 1,784 sqft
2018-06-01 0 days 1,765 sqft
2018-07-01 0 days 1,884 sqft
2018-08-01 0 days 1,823 sqft
2018-09-01 0 days 1,745 sqft
2018-10-01 0 days 1,727 sqft
2018-11-01 0 days 1,720 sqft
2018-12-01 0 days 1,688 sqft
2019-01-01 0 days 1,750 sqft
2019-02-01 0 days 1,775 sqft
2019-03-01 0 days 1,716 sqft
2019-04-01 0 days 1,652 sqft
2019-05-01 0 days 1,650 sqft
2019-06-01 0 days 1,708 sqft
2019-07-01 0 days 1,712 sqft
2019-08-01 0 days 1,686 sqft
2019-09-01 0 days 1,662 sqft
2019-10-01 0 days 1,651 sqft
2019-11-01 0 days 1,642 sqft
2019-12-01 0 days 1,639 sqft
2020-01-01 0 days 1,642 sqft
2020-02-01 0 days 1,665 sqft
2020-03-01 0 days 1,665 sqft
2020-04-01 0 days 1,653 sqft
2020-05-01 0 days 1,665 sqft
2020-06-01 0 days 1,673 sqft
2020-07-01 0 days 1,665 sqft
2020-08-01 0 days 1,701 sqft
2020-09-01 0 days 1,754 sqft
2020-10-01 0 days 1,757 sqft
2020-11-01 0 days 1,751 sqft
2020-12-01 0 days 1,694 sqft
2021-01-01 0 days 1,751 sqft
2021-02-01 0 days 1,691 sqft
2021-03-01 0 days 2,045 sqft
2021-04-01 0 days 1,678 sqft
2021-05-01 0 days 1,622 sqft
2021-06-01 0 days 1,622 sqft
2021-07-01 0 days 1,673 sqft
2021-08-01 0 days 1,828 sqft
2021-09-01 0 days 1,884 sqft
2021-10-01 0 days 1,733 sqft
2021-11-01 0 days 1,665 sqft
2021-12-01 0 days 1,727 sqft
2022-01-01 0 days 1,785 sqft
2022-02-01 0 days 1,645 sqft
2022-03-01 0 days 1,604 sqft
2022-04-01 0 days 1,806 sqft
2022-05-01 0 days 1,764 sqft
Snyder's median listing age (time on market) for 2022-05-01 was 0 days.

Snyder's median square footage for active listings during the 2022-05-01 period was 1,764 sqft. One year prior, the average listing was 1,622 sqft.