Stephenville Mortgage Rates

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

30 Year Fixed Rate mortgages in Stephenville averaged 6.24% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.15% and one month ago for the week of 2022-05-26, the average rate was 5.34%.

Stephenville's average rate one year ago was 3.56%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.85%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Stephenville 30 Year Fixed Rate 2022-06-30 6.24%
Stephenville 30 Year Fixed Rate Refi 2022-06-30 5.85%
Stephenville 15 Year Fixed Rate 2022-06-30 5.65%
Stephenville 15 Year Fixed Rate Refi 2022-06-30 5.37%
Stephenville 30 Year FHA 2022-06-30 5.95%
Stephenville 30 Year FHA Refi 2022-06-30 5.68%
Stephenville 30 Year USDA 2022-06-30 5.32%
Stephenville 30 Year USDA Refi 2022-06-30 3.12%
Stephenville 30 Year VA 2022-06-30 5.71%
Stephenville 30 Year VA Refi 2022-06-30 5.25%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Stephenville, TX.

Stephenville 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 Stephenville, 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 Financial Bank 80 3.08% $3,649
GUILD MORTGAGE COMPANY 54 3.30% $5,287
QUICKEN LOANS, LLC 41 3.10% $5,108
InterBank 31 3.19% $3,065
EVERETT FINANCIAL, INC. 15 3.56% $2,871
UNITED WHOLESALE MORTGAGE, LLC 13 3.04% $4,447
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 3.20% $5,688
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 9 3.14% $8,413
FIRST CENTENNIAL MORTGAGE CORPORATION 9 3.28% $4,474
SFMC, LP 8 3.50% $5,715
LOANDEPOT.COM, LLC 7 3.20% $8,195
Colonial Savings, F.A. 7 3.23% $6,240
City Bank 7 3.25% $5,496
ARK-LA-TEX FINANCIAL SERVICES, LLC. 6 3.22% $5,393
PRIMELENDING, A PLAINSCAPITAL COMPANY 6 2.94% $5,137
Mr. Cooper ( Nationstar Mortgage ) 6 3.19% $6,231
KELLER MORTGAGE, LLC 6 3.19% $3,462
JPMorgan Chase Bank 5 3.00% $5,519
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 3.23% $5,544
ASPIRE FINANCIAL, INC. 5 3.28% $5,365
AMERISAVE MORTGAGE CORPORATION 5 2.92% $3,615
Gateway First Bank 5 3.23% $5,735
Citizens Bank 5 3.10% $4,753
GUARANTEED RATE, INC. 5 3.38% $3,847
EECU 4 4.41% $5,005
First United Bank and Trust Company 4 3.16% $4,247
Flagstar Bank, FSB 4 3.10% $3,895
CALIBER HOME LOANS, INC. 4 3.22% $5,452
Wells Fargo Bank 4 3.13% $2,879
AMCAP MORTGAGE, LTD. 4 3.22% $5,027
PENNYMAC LOAN SERVICES, LLC 3 3.08% $5,250
COMPEER FINANCIAL, FLCA 3 3.63% $3,502
SECURITYNATIONAL MORTGAGE COMPANY 3 3.33% $7,465
SUMMIT FUNDING, INC. 3 3.46% $4,529
SUN WEST MORTGAGE COMPANY, INC. 3 2.96% $4,687
V.I.P. MORTGAGE, INC. 3 3.38% $5,953
HOME POINT FINANCIAL CORPORATION 3 2.88% $7,721
MORTGAGE FINANCIAL SERVICES, LLC 2 3.00% $3,429
BETTER MORTGAGE CORPORATION 2 3.13% $3,608
ACADEMY MORTGAGE CORPORATION 2 3.00% $4,994
FBC MORTGAGE, LLC 2 3.24% $5,201
HOMESIDE FINANCIAL, LLC 2 2.81% $3,332
CRESCENT MORTGAGE COMPANY 2 3.19% $4,720
Bank of America 2 2.88% $2,913
First Mortgage Solutions, LLC 2 2.88% $2,918
AMPLIFY 2 2.94% $7,253
THRIVE MORTGAGE, LLC 2 2.94% $4,403
GREAT WESTERN FINANCIAL SERVICES, INC. 2 3.00% $4,076
CHURCHILL MORTGAGE CORPORATION 2 3.38% $5,051
UNITED MORTGAGE CORP. 2 3.50% $5,877
PLAZA HOME MORTGAGE, INC. 2 3.25% $6,581
CORNERSTONE HOME LENDING, INC. 2 3.13% $5,698
GSF Mortgage Corporation 2 3.13% $3,871
Independent Bank 2 3.13% $4,914
MID AMERICA MORTGAGE, INC. 2 3.06% $4,709
JMJ FINANCIAL GROUP 2 3.44% $8,446
WILLOW BEND MORTGAGE COMPANY, LLC 1 2.88% $3,958
Affiliated Bank 1 2.88% $4,034
AgFirst Farm Credit Bank 1 3.00% $3,939
ALTITUDE FINANCIAL CORPORATION 1 3.13% $4,607
AMERICAN FINANCING CORPORATION 1 2.75% $5,780
American Momentum Bank 1 2.50% $4,002
American National Bank & Trust 1 3.13% $4,551
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.25% $6,660
AMERICA'S CHOICE HOME LOANS LP 1 3.00% $4,270
Ameris Bank 1 3.13% $4,946
ANGEL OAK HOME LOANS LLC 1 3.38% $3,156
BROKER SOLUTIONS, INC. 1 3.13% $6,596
CELEBRITY HOME LOANS, LLC 1 3.49% $4,158
Chicago Mortgage Solutions LLC 1 2.62% $4,883
Deere Employees Credit Union 1 3.50% $3,633
ENCORE BANK 1 2.50% $3,692
FINANCE OF AMERICA MORTGAGE LLC 1 3.25% $3,604
First Guaranty Mortgage Corporation 1 3.63% $9,621
First National Bank Texas 1 2.88% $6,262
First State Bank of St. Charles, Missouri 1 2.50% $4,383
FLAT BRANCH MORTGAGE, INC. 1 4.13% $3,747
F & M Bank 1 2.88% $3,800
Goldwater Bank, N.A. 1 4.50% $10,950
GREATER TEXAS FEDERAL CREDIT UNION 1 3.38% $9,168
GSB MORTGAGE, INC. 1 2.88% $2,728
GUARANTEED RATE AFFINITY, LLC 1 2.75% $5,325
Happy State Bank 1 3.88% $3,460
Home Federal Bank 1 2.88% $4,192
HOMETRUST MORTGAGE COMPANY 1 3.63% $4,366
INTEGRITY MORTGAGE CORPORATION OF TEXAS 1 3.75% $3,908
INTERCAP LENDING INC. 1 3.63% $5,088
InterContinental Capital Group, Inc 1 3.00% $3,932
Jefferson Bank 1 3.63% $9,578
LEADERONE FINANCIAL CORPORATION 1 4.38% $7,746
MANN FINANCIAL INC. 1 3.63% $3,734
MORIA DEVELOPMENT, INC. 1 3.38% $5,181
MORTGAGE SOLUTIONS OF COLORADO, LLC 1 2.88% $5,844
Nations Lending Corporation 1 2.88% $14,371
NATIONS RELIABLE LENDING, LLC 1 3.75% $5,283
NAVY FEDERAL CREDIT UNION 1 2.75% $2,816
NTFN, INC. 1 3.00% $6,154
Paramount Residential Mortgage Group, Inc. 1 3.25% $5,236
PLANET HOME LENDING, LLC 1 3.38% $5,484
Prosperity Bank 1 3.00% $7,638
Quontic Bank 1 6.38% $15,456
Regions Bank 1 2.88% $5,476
Republic State Mortgage Co. 1 3.00% $3,320
RUOFF MORTGAGE COMPANY, INC. 1 3.25% $4,066
SECURITY SERVICE 1 2.88% $4,941
SWBC MORTGAGE CORPORATION 1 3.25% $5,024
Texas Bank Financial 1 3.50% $2,632
Truist Bank 1 2.88% $2,848
UNION HOME MORTGAGE CORP. 1 3.50% $12,385
Wallick & Volk, Inc. 1 3.25% $7,398
Waterstone Mortgage Corporation 1 3.63% $5,422
21ST MORTGAGE CORPORATION 1 8.50% $7,527

Stephenville, TX's 112 lenders originated 1,074 loans during 2021. The total origination value was $293,590,000, with an average loan value of $273,361.

The top Stephenville lender as defined by loan originations is First Financial Bank, with 80 loans originated. Their average total fees are $3,649, which is $1,638 lower than the next largest lender, GUILD MORTGAGE COMPANY.

The lowest fee Stephenville lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($2,871), InterBank ($3,065), First Financial Bank ($3,649), UNITED WHOLESALE MORTGAGE, LLC ($4,447) and QUICKEN LOANS, LLC ($5,108).

The lowest rate Stephenville lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (3.04%), First Financial Bank (3.08%), QUICKEN LOANS, LLC (3.10%), InterBank (3.19%) and FAIRWAY INDEPENDENT MORTGAGE CORPORATION (3.20%).

Stephenville, 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
BERKELEY POINT CAPITAL LLC $44,435,000 n/a 15.1%
First Financial Bank $39,265,000 $42,880,000 9.2% 14.6%
GUILD MORTGAGE COMPANY $16,195,000 $20,670,000 27.6% 7.0%
QUICKEN LOANS, LLC $9,550,000 $15,530,000 62.6% 5.3%
InterBank $18,160,000 $12,235,000 -32.6% 4.2%
Citizens National Bank of Texas $17,040,000 $6,250,000 -63.3% 2.1%
EVERETT FINANCIAL, INC. $1,460,000 $5,135,000 251.7% 1.7%
UNITED WHOLESALE MORTGAGE, LLC $1,450,000 $5,015,000 245.9% 1.7%
The First National Bank of Granbury $8,285,000 $4,685,000 -43.5% 1.6%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,750,000 $4,585,000 162.0% 1.6%
SUN WEST MORTGAGE COMPANY, INC. $4,310,000 $4,120,000 -4.4% 1.4%
Colonial Savings, F.A. $1,665,000 $4,000,000 140.2% 1.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,035,000 $3,615,000 19.1% 1.2%
FREEDOM MORTGAGE CORPORATION $3,835,000 $3,400,000 -11.3% 1.2%
FIRST CENTENNIAL MORTGAGE CORPORATION $1,560,000 $3,010,000 92.9% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $2,335,000 $2,935,000 25.7% 1.0%
First United Bank and Trust Company $2,215,000 $2,920,000 31.8% 1.0%
SFMC, LP $2,790,000 $2,845,000 2.0% 1.0%
Mortgage Research Center, LLC $1,335,000 $2,835,000 112.4% 1.0%
Wells Fargo Bank $895,000 $2,790,000 211.7% 1.0%
JPMorgan Chase Bank $1,525,000 $2,785,000 82.6% 0.9%
AMCAP MORTGAGE, LTD. $770,000 $2,755,000 257.8% 0.9%
LOANDEPOT.COM, LLC $1,790,000 $2,720,000 52.0% 0.9%
Gateway First Bank $3,290,000 $2,660,000 -19.1% 0.9%
City Bank $195,000 $2,635,000 1,251.3% 0.9%
PENNYMAC LOAN SERVICES, LLC $225,000 $2,330,000 935.6% 0.8%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,185,000 $2,220,000 87.3% 0.8%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $550,000 $2,085,000 279.1% 0.7%
CALIBER HOME LOANS, INC. $1,920,000 $2,080,000 8.3% 0.7%
21ST MORTGAGE CORPORATION $1,285,000 $2,065,000 60.7% 0.7%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,175,000 $1,845,000 -15.2% 0.6%
ASPIRE FINANCIAL, INC. $3,005,000 $1,750,000 -41.8% 0.6%
AMERICAN FINANCIAL NETWORK, INC. $770,000 $1,740,000 126.0% 0.6%
AMPLIFY $1,650,000 n/a 0.6%
PLAZA HOME MORTGAGE, INC. $1,600,000 n/a 0.5%
Citizens Bank $1,480,000 $1,540,000 4.1% 0.5%
Pinnacle Bank $145,000 $1,465,000 910.3% 0.5%
HOME POINT FINANCIAL CORPORATION $340,000 $1,440,000 323.5% 0.5%
Flagstar Bank, FSB $1,275,000 $1,435,000 12.5% 0.5%
KELLER MORTGAGE, LLC $1,505,000 $1,430,000 -5.0% 0.5%
GUARANTEED RATE, INC. $305,000 $1,390,000 355.7% 0.5%
AMERISAVE MORTGAGE CORPORATION $1,080,000 $1,380,000 27.8% 0.5%
SUMMIT FUNDING, INC. $555,000 $1,335,000 140.5% 0.5%
Prosperity Bank $285,000 $1,325,000 364.9% 0.5%
BETTER MORTGAGE CORPORATION $675,000 $1,265,000 87.4% 0.4%
COMPEER FINANCIAL, FLCA $420,000 $1,185,000 182.1% 0.4%
FirstBank $1,005,000 n/a 0.3%
GSF Mortgage Corporation $995,000 n/a 0.3%
LAKEVIEW LOAN SERVICING, LLC $560,000 $995,000 77.7% 0.3%
ACADEMY MORTGAGE CORPORATION $555,000 $980,000 76.6% 0.3%
SECURITYNATIONAL MORTGAGE COMPANY $175,000 $895,000 411.4% 0.3%
SWBC MORTGAGE CORPORATION $165,000 $895,000 442.4% 0.3%
MID AMERICA MORTGAGE, INC. $845,000 $875,000 3.6% 0.3%
CORNERSTONE HOME LENDING, INC. $295,000 $815,000 176.3% 0.3%
USAA Federal Savings Bank $1,305,000 $815,000 -37.5% 0.3%
HomeBank Texas $805,000 n/a 0.3%
PLANET HOME LENDING, LLC $340,000 $790,000 132.4% 0.3%
JMJ FINANCIAL GROUP $780,000 n/a 0.3%
NEWREZ LLC $865,000 $780,000 -9.8% 0.3%
U.S. Bank $905,000 $760,000 -16.0% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $405,000 $755,000 86.4% 0.3%
Spirit of Texas Bank, SSB $740,000 n/a 0.3%
V.I.P. MORTGAGE, INC. $125,000 $735,000 488.0% 0.3%
AmeriHome Mortgage Company, LLC $430,000 $725,000 68.6% 0.2%
EECU $710,000 $705,000 -0.7% 0.2%
FIRST NATIONAL BANK OF WEATHERFORD $705,000 n/a 0.2%
First Guaranty Mortgage Corporation $570,000 $695,000 21.9% 0.2%
UNITED BUILT HOMES, L.L.C. $145,000 $690,000 375.9% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $415,000 $675,000 62.7% 0.2%
CRESCENT MORTGAGE COMPANY $650,000 n/a 0.2%
THRIVE MORTGAGE, LLC $650,000 n/a 0.2%
Farm Credit Mid-America, ACA $645,000 n/a 0.2%
Goldwater Bank, N.A. $530,000 $635,000 19.8% 0.2%
Quontic Bank $635,000 n/a 0.2%
Barrington Bank & Trust Company, N.A. $1,055,000 $615,000 -41.7% 0.2%
UNION HOME MORTGAGE CORP. $590,000 n/a 0.2%
First Mortgage Solutions, LLC $295,000 $580,000 96.6% 0.2%
DAS Acquisition Company, LLC $275,000 $575,000 109.1% 0.2%
Chicago Mortgage Solutions LLC $560,000 n/a 0.2%
ONY GLO, INC. $465,000 $545,000 17.2% 0.2%
Independent Bank $285,000 $530,000 86.0% 0.2%
CMG MORTGAGE, INC. $1,820,000 $520,000 -71.4% 0.2%
Equity Prime Mortgage LLC $500,000 $510,000 2.0% 0.2%
CHURCHILL MORTGAGE CORPORATION $1,390,000 $505,000 -63.7% 0.2%
UNITED MORTGAGE CORP. $315,000 $500,000 58.7% 0.2%
First National Bank Texas $2,265,000 $490,000 -78.4% 0.2%
ALTITUDE FINANCIAL CORPORATION $485,000 n/a 0.2%
Bank of America $1,265,000 $485,000 -61.7% 0.2%
Carrington Mortgage Services, LLC $105,000 $475,000 352.4% 0.2%
SECURITY SERVICE $185,000 $455,000 145.9% 0.2%
MORTGAGE FINANCIAL SERVICES, LLC $245,000 $440,000 79.6% 0.1%
Florida Capital Bank $435,000 n/a 0.1%
GREATER TEXAS FEDERAL CREDIT UNION $435,000 n/a 0.1%
FBC MORTGAGE, LLC $235,000 $430,000 83.0% 0.1%
Ameris Bank $425,000 n/a 0.1%
BROKER SOLUTIONS, INC. $635,000 $425,000 -33.1% 0.1%
Regions Bank $425,000 n/a 0.1%
CLEARPATH LENDING $1,155,000 $420,000 -63.6% 0.1%
Nations Lending Corporation $85,000 $420,000 394.1% 0.1%
TRIAD FINANCIAL SERVICES, INC. $150,000 $420,000 180.0% 0.1%
Jefferson Bank $415,000 n/a 0.1%
NTFN, INC. $265,000 $405,000 52.8% 0.1%
GREAT WESTERN FINANCIAL SERVICES, INC. $165,000 $400,000 142.4% 0.1%
Southside Bank $205,000 $395,000 92.7% 0.1%
HOMESIDE FINANCIAL, LLC $115,000 $380,000 230.4% 0.1%
American National Bank & Trust $375,000 n/a 0.1%
First State Bank of St. Charles, Missouri $365,000 n/a 0.1%
MORIA DEVELOPMENT, INC. $365,000 n/a 0.1%
RUOFF MORTGAGE COMPANY, INC. $365,000 n/a 0.1%
Assurance Financial Group, L.L.C. $305,000 $345,000 13.1% 0.1%
PILGRIM MORTGAGE LLC $345,000 n/a 0.1%
GUARANTEED RATE AFFINITY, LLC $335,000 $335,000 0.0% 0.1%
Midwest Mortgage Associates Corporation $365,000 $330,000 -9.6% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $325,000 n/a 0.1%
First United Bank $325,000 n/a 0.1%
Home Federal Bank $315,000 n/a 0.1%
Hometown Equity Mortgage, LLC $305,000 n/a 0.1%
INTERCAP LENDING INC. $365,000 $305,000 -16.4% 0.1%
Wallick & Volk, Inc. $225,000 $305,000 35.6% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $680,000 $295,000 -56.6% 0.1%
The First National Bank of Albany $305,000 $295,000 -3.3% 0.1%
WILLOW BEND MORTGAGE COMPANY, LLC $155,000 $285,000 83.9% 0.1%
AMERICA'S CHOICE HOME LOANS LP $165,000 $275,000 66.7% 0.1%
GSB MORTGAGE, INC. $275,000 n/a 0.1%
FINANCE OF AMERICA MORTGAGE LLC $265,000 n/a 0.1%
Paramount Residential Mortgage Group, Inc. $420,000 $255,000 -39.3% 0.1%
Waterstone Mortgage Corporation $195,000 $250,000 28.2% 0.1%
Zions Bancorporation, N.A. $245,000 n/a 0.1%
AgFirst Farm Credit Bank $705,000 $235,000 -66.7% 0.1%
PROVIDENT FUNDING ASSOCIATES, L.P. $235,000 n/a 0.1%
STEARNS LENDING, LLC $235,000 n/a 0.1%
CELEBRITY HOME LOANS, LLC $225,000 n/a 0.1%
CERTAINTY HOME LOANS, LLC $640,000 $225,000 -64.8% 0.1%
American Momentum Bank $215,000 n/a 0.1%
Bank of England $215,000 n/a 0.1%
First National Bank of Bosque County $215,000 n/a 0.1%
F & M Bank $1,790,000 $215,000 -88.0% 0.1%
LHM FINANCIAL CORPORATION $215,000 n/a 0.1%
FINANCE OF AMERICA REVERSE LLC $75,000 $205,000 173.3% 0.1%
Vista Bank $200,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $230,000 $195,000 -15.2% 0.1%
Deere Employees Credit Union $195,000 n/a 0.1%
Happy State Bank $195,000 n/a 0.1%
Ixonia Bank $195,000 n/a 0.1%
Low VA Rates, LLC $195,000 n/a 0.1%
BOKF $1,490,000 $175,000 -88.3% 0.1%
LEADERONE FINANCIAL CORPORATION $255,000 $175,000 -31.4% 0.1%
Affiliated Bank $230,000 $155,000 -32.6% 0.1%
ANGEL OAK HOME LOANS LLC $155,000 n/a 0.1%
ENCORE BANK $155,000 n/a 0.1%
HOMETRUST MORTGAGE COMPANY $155,000 n/a 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $565,000 $155,000 -72.6% 0.1%
NAVY FEDERAL CREDIT UNION $1,015,000 $155,000 -84.7% 0.1%
Republic State Mortgage Co. $155,000 n/a 0.1%
The Bank & Trust $155,000 n/a 0.1%
Truist Bank $125,000 $155,000 24.0% 0.1%
CIVIC FINANCIAL SERVICES, LLC $145,000 n/a 0.0%
The Jacksboro National Bank $145,000 n/a 0.0%
VeraBank $235,000 $145,000 -38.3% 0.0%
First Bank & Trust Co. $135,000 n/a 0.0%
NEW DAY FINANCIAL, LLC $225,000 $135,000 -40.0% 0.0%
Texas Bank Financial $135,000 n/a 0.0%
FLAT BRANCH MORTGAGE, INC. $125,000 n/a 0.0%
INTEGRITY MORTGAGE CORPORATION OF TEXAS $125,000 n/a 0.0%
MANN FINANCIAL INC. $125,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $155,000 $125,000 -19.4% 0.0%
PlainsCapital Bank $75,000 $125,000 66.7% 0.0%
LENDINGHOME FUNDING CORPORATION $105,000 n/a 0.0%
NATIONS RELIABLE LENDING, LLC $235,000 $105,000 -55.3% 0.0%
Comerica Bank $205,000 $95,000 -53.7% 0.0%
Ally Bank $185,000 $85,000 -54.1% 0.0%
First State Bank $85,000 n/a 0.0%
InterContinental Capital Group, Inc $85,000 n/a 0.0%
LOANPAL, LLC $165,000 $85,000 -48.5% 0.0%
SOUTHWEST STAGE FUNDING, LLC $145,000 $85,000 -41.4% 0.0%
VALOR BANK $85,000 n/a 0.0%
COUNTRYPLACE MORTGAGE, LTD. $115,000 $75,000 -34.8% 0.0%
TOWNE MORTGAGE COMPANY $75,000 n/a 0.0%
BancorpSouth Bank $55,000 n/a 0.0%
Discover Bank $45,000 n/a 0.0%
First Bank $90,000 $45,000 -50.0% 0.0%

Stephenville's top lender by overall market share is BERKELEY POINT CAPITAL LLC, with 15.1% market share. In second place, with 14.6%, is First Financial Bank, having originated $42,880,000 in loans. In third place, with 7.0%, is GUILD MORTGAGE COMPANY, having originated $20,670,000 in loans. In third place, with 5.3%, is QUICKEN LOANS, LLC, having originated $15,530,000 in loans. In third place, with 4.2%, is InterBank, having originated $12,235,000 in loans.


Stephenville, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 578 $189,480,000 $327,820
Refi 311 $66,915,000 $215,161
Cash Out Refi 142 $31,610,000 $222,606
Home Improvement 31 $3,555,000 $114,677
Other 12 $2,030,000 $169,167

Stephenville's most frequently cited loan purpose was Home Purchase, with 578 originations. The 2nd most popular reason was Refi, with 311 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 414 $101,770,000 $245,821
2.5-3% 329 $82,025,000 $249,316
<2.5% 146 $30,420,000 $208,356
4-5% 79 $12,095,000 $153,101
5-6% 20 $2,760,000 $138,000
6-7% 10 $2,590,000 $259,000
Over 8% 7 $1,505,000 $215,000
7-8% 2 $200,000 $100,000

During 2021, Stephenville's most frequently originated rate bucket was 3-4%, with 414 originations.

Loan Sizing (Stephenville, TX MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 431 $119,435,000 $277,111
$100k-200k 401 $59,715,000 $148,915
$100,000 or less 125 $8,675,000 $69,400
$400k-600k 96 $44,610,000 $464,688
$600k-1000k 15 $10,095,000 $673,000
$Over $1MM 6 $51,060,000 $8,510,000

Stephenville's loan sizing saw the bucket of loans from $200k-400k with 431 originations, totaling $119,435,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 418 $107,150,000 $256,340
60-80% 335 $124,925,000 $372,910
40-60% 136 $26,740,000 $196,618
20-40% 50 $6,590,000 $131,800
Under 20% 28 $1,590,000 $56,786
Over 100% 12 $3,930,000 $327,500

Stephenville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 418 originations, totaling $107,150,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Stephenville (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 $197,000 (11.3%) $241,263 (9.6%) 0.00 92
2018-02-01 $196,250 (6.7%) $238,203 (0.1%) 0.00 100
2018-03-01 $210,000 (15.7%) $257,924 (9.9%) 0.00 100
2018-04-01 $232,000 (18.3%) $274,473 (14.7%) 0.00 91
2018-05-01 $239,500 (13.6%) $284,142 (15.3%) 0.00 84
2018-06-01 $239,000 (10.7%) $274,087 (8.2%) 0.00 90
2018-07-01 $233,500 (-0.6%) $264,385 (-1.4%) 0.00 100
2018-08-01 $199,500 (-13.8%) $246,796 (-5.2%) 0.00 109
2018-09-01 $222,000 (-10.8%) $262,522 (-2.2%) 0.00 97
2018-10-01 $224,950 (0.0%) $274,890 (4.4%) 0.00 84
2018-11-01 $229,000 (5.2%) $274,655 (3.6%) 0.00 85
2018-12-01 $215,000 (8.0%) $270,049 (7.1%) 0.00 89
2019-01-01 $225,500 (14.5%) $284,712 (18.0%) 0.00 83
2019-02-01 $199,250 (1.5%) $269,862 (13.3%) 0.00 83
2019-03-01 $197,286 (-6.1%) $257,111 (-0.3%) 0.00 83
2019-04-01 $195,286 (-15.8%) $258,876 (-5.7%) 0.00 87
2019-05-01 $184,650 (-22.9%) $259,667 (-8.6%) 0.00 90
2019-06-01 $185,000 (-22.6%) $268,804 (-1.9%) 0.00 99
2019-07-01 $208,500 (-10.7%) $280,404 (6.1%) 0.00 96
2019-08-01 $240,714 (20.7%) $311,007 (26.0%) 0.00 98
2019-09-01 $250,664 (12.9%) $292,778 (11.5%) 0.00 107
2019-10-01 $258,500 (14.9%) $302,882 (10.2%) 0.00 106
2019-11-01 $267,000 (16.6%) $304,629 (10.9%) 0.00 104
2019-12-01 $276,000 (28.4%) $315,495 (16.8%) 0.00 91
2020-01-01 $269,500 (19.5%) $308,873 (8.5%) 0.00 79
2020-02-01 $275,000 (38.0%) $312,142 (15.7%) 0.00 81
2020-03-01 $277,000 (40.4%) $330,105 (28.4%) 0.00 88
2020-04-01 $261,000 (33.7%) $320,019 (23.6%) 0.00 88
2020-05-01 $250,000 (35.4%) $320,137 (23.3%) 0.00 91
2020-06-01 $249,450 (34.8%) $311,217 (15.8%) 0.00 87
2020-07-01 $246,250 (18.1%) $301,316 (7.5%) 0.00 92
2020-08-01 $239,999 (-0.3%) $305,048 (-1.9%) 0.00 103
2020-09-01 $239,000 (-4.7%) $305,335 (4.3%) 0.00 100
2020-10-01 $235,000 (-9.1%) $309,491 (2.2%) 0.00 89
2020-11-01 $229,000 (-14.2%) $328,288 (7.8%) 0.00 82
2020-12-01 $244,000 (-11.6%) $373,104 (18.3%) 0.00 72
2021-01-01 $238,000 (-11.7%) $382,166 (23.7%) 0.00 53
2021-02-01 $277,450 (0.9%) $406,808 (30.3%) 0.00 42
2021-03-01 $275,000 (-0.7%) $410,187 (24.3%) 0.00 28
2021-04-01 $289,450 (10.9%) $430,627 (34.6%) 0.00 33
2021-05-01 $255,000 (2.0%) $387,845 (21.2%) 0.00 37
2021-06-01 $244,750 (-1.9%) $346,959 (11.5%) 0.00 54
2021-07-01 $249,950 (1.5%) $362,092 (20.2%) 0.00 65
2021-08-01 $264,250 (10.1%) $401,446 (31.6%) 0.00 65
2021-09-01 $291,950 (22.2%) $436,936 (43.1%) 0.00 75
2021-10-01 $325,000 (38.3%) $453,335 (46.5%) 0.00 68
2021-11-01 $279,500 (22.1%) $447,329 (36.3%) 0.00 63
2021-12-01 $294,700 (20.8%) $466,518 (25.0%) 0.00 52
2022-01-01 $275,000 (15.6%) $443,681 (16.1%) 0.00 45
2022-02-01 $300,450 (8.3%) $451,197 (10.9%) 0.00 42
2022-03-01 $366,950 (33.4%) $623,347 (52.0%) 0.00 35
2022-04-01 $375,000 (29.6%) $599,391 (39.2%) 0.00 47
2022-05-01 $389,450 (52.7%) $577,513 (48.9%) 0.00 63
2022-06-01 $356,250 (45.6%) $552,799 (59.3%) 0.00 82
Stephenville's median listing price for 2022-06-01 was $356,250, a difference of $111,500 (45.6%) versus the prior year and $-33,200 versus the prior month.

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

Stephenville's average listing price for 2022-06-01 was $552,799, a difference of $205,840 (59.3%) versus the prior year and $-24,714 versus the prior month.

For the 2022-06-01 period, Stephenville had 82 MLS listings, a difference of 19 listings (30%) versus the prior month and 28 listings (52%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Stephenville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,774 sqft
2018-02-01 0 days 1,776 sqft
2018-03-01 0 days 1,902 sqft
2018-04-01 0 days 1,950 sqft
2018-05-01 0 days 1,946 sqft
2018-06-01 0 days 1,957 sqft
2018-07-01 0 days 1,927 sqft
2018-08-01 0 days 1,905 sqft
2018-09-01 0 days 1,920 sqft
2018-10-01 0 days 1,920 sqft
2018-11-01 0 days 1,895 sqft
2018-12-01 0 days 1,950 sqft
2019-01-01 0 days 1,985 sqft
2019-02-01 0 days 1,919 sqft
2019-03-01 0 days 1,859 sqft
2019-04-01 0 days 1,792 sqft
2019-05-01 0 days 1,781 sqft
2019-06-01 0 days 1,904 sqft
2019-07-01 0 days 1,974 sqft
2019-08-01 0 days 2,045 sqft
2019-09-01 0 days 2,074 sqft
2019-10-01 0 days 2,116 sqft
2019-11-01 0 days 2,105 sqft
2019-12-01 0 days 2,058 sqft
2020-01-01 0 days 2,017 sqft
2020-02-01 0 days 2,099 sqft
2020-03-01 0 days 2,102 sqft
2020-04-01 0 days 2,116 sqft
2020-05-01 0 days 2,131 sqft
2020-06-01 0 days 2,192 sqft
2020-07-01 0 days 2,146 sqft
2020-08-01 0 days 2,017 sqft
2020-09-01 0 days 1,979 sqft
2020-10-01 0 days 1,986 sqft
2020-11-01 0 days 2,013 sqft
2020-12-01 0 days 2,033 sqft
2021-01-01 0 days 2,002 sqft
2021-02-01 0 days 2,037 sqft
2021-03-01 0 days 1,982 sqft
2021-04-01 0 days 1,951 sqft
2021-05-01 0 days 1,842 sqft
2021-06-01 0 days 1,805 sqft
2021-07-01 0 days 1,756 sqft
2021-08-01 0 days 1,824 sqft
2021-09-01 0 days 1,969 sqft
2021-10-01 0 days 1,955 sqft
2021-11-01 0 days 1,856 sqft
2021-12-01 0 days 1,791 sqft
2022-01-01 0 days 1,816 sqft
2022-02-01 0 days 1,864 sqft
2022-03-01 0 days 1,946 sqft
2022-04-01 0 days 1,883 sqft
2022-05-01 0 days 1,924 sqft
2022-06-01 0 days 1,887 sqft
Stephenville's median listing age (time on market) for 2022-06-01 was 0 days.

Stephenville's median square footage for active listings during the 2022-06-01 period was 1,887 sqft. One year prior, the average listing was 1,805 sqft.