Stephenville Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Stephenville averaged
7.19%
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
7.22% and
one month ago for the week of 2025-05-15, the
average rate was 7.29%.
Stephenville's average rate one year ago was 7.63%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.91%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Stephenville 30 Year Fixed Rate | 2025-06-18 | 7.19% |
| Stephenville 30 Year Fixed Rate Refi | 2025-06-18 | 6.91% |
| Stephenville 15 Year Fixed Rate | 2025-06-18 | 6.16% |
| Stephenville 15 Year Fixed Rate Refi | 2025-06-18 | 6.26% |
| Stephenville 30 Year FHA | 2025-06-18 | -0.2% |
| Stephenville 30 Year FHA Refi | 2025-06-18 | 0% |
| Stephenville 30 Year USDA | 2025-06-18 | 0.1% |
| Stephenville 30 Year USDA Refi | 2025-06-18 | -0.2% |
| Stephenville 30 Year VA | 2025-06-18 | -0.2% |
| Stephenville 30 Year VA Refi | 2025-06-18 | -0.2% |
Stephenville 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 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.).
Stephenville Average Closing Costs & Other Stats
Stephenville, TX's 66 lenders originated 582
loans during 2024. The total origination value was $213,480,000, with an average loan value of
$366,804.
Stephenville's average closing costs are $5,883.
The top Stephenville lender as defined by loan originations is QUICKEN LOANS, LLC, with
33 loans originated. Their average total fees are
$7,619, which is $3,015
higher than the next largest lender,
First Financial Bank.
The lowest fee Stephenville lenders (with over 10 loans originated) are
First Financial Bank ($4,604), QUICKEN LOANS, LLC ($7,619), UNITED WHOLESALE MORTGAGE, LLC ($8,289), SECURITYNATIONAL MORTGAGE COMPANY ($10,369) and .
The lowest rate Stephenville lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.80%), First Financial Bank (6.90%), QUICKEN LOANS, LLC (6.90%), SECURITYNATIONAL MORTGAGE COMPANY (7.54%) and .
Stephenville, 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 |
|---|---|---|---|---|
| WALKER & DUNLOP, LLC | $47,415,000 | n/a | 22.2% | |
| First Financial Bank | $21,395,000 | $22,110,000 | 3.3% | 10.4% |
| QUICKEN LOANS, LLC | $9,135,000 | $10,985,000 | 20.3% | 5.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,550,000 | $10,145,000 | 554.5% | 4.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,335,000 | $8,975,000 | 41.7% | 4.2% |
| Ciera Bank | $7,245,000 | $8,670,000 | 19.7% | 4.1% |
| Citizens National Bank of Texas | $1,570,000 | $7,935,000 | 405.4% | 3.7% |
| GUILD MORTGAGE COMPANY | $9,380,000 | $6,670,000 | -28.9% | 3.1% |
| MEMBERS TRUST OF THE SOUTHWEST FCU | $1,790,000 | $5,610,000 | 213.4% | 2.6% |
| Mortgage Research Center, LLC | $1,065,000 | $3,705,000 | 247.9% | 1.7% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $3,410,000 | n/a | 1.6% | |
| 21ST MORTGAGE CORPORATION | $1,950,000 | $2,795,000 | 43.3% | 1.3% |
| InterBank | $9,680,000 | $2,600,000 | -73.1% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $995,000 | $2,435,000 | 144.7% | 1.1% |
| CROSSCOUNTRY MORTGAGE, LLC | $910,000 | $1,855,000 | 103.8% | 0.9% |
| Worthington National Bank | $190,000 | $1,845,000 | 871.1% | 0.9% |
| The First National Bank of Granbury | $3,325,000 | $1,770,000 | -46.8% | 0.8% |
| LOANPEOPLE, LLC | $1,095,000 | $1,600,000 | 46.1% | 0.7% |
| OCMBC, INC. | $1,440,000 | n/a | 0.7% | |
| Wellington State Bank | $485,000 | $1,425,000 | 193.8% | 0.7% |
| BROKER SOLUTIONS, INC. | $75,000 | $1,290,000 | 1,620.0% | 0.6% |
| Citadel Servicing Corporation | $1,270,000 | n/a | 0.6% | |
| U.S. Bank | $395,000 | $1,235,000 | 212.7% | 0.6% |
| Bank of America | $310,000 | $1,215,000 | 291.9% | 0.6% |
| CARDINAL FINANCIAL | $2,855,000 | $1,205,000 | -57.8% | 0.6% |
| First United Bank and Trust Company | $340,000 | $1,205,000 | 254.4% | 0.6% |
| City Bank | $1,030,000 | $1,190,000 | 15.5% | 0.6% |
| LAKEVIEW LOAN SERVICING, LLC | $165,000 | $1,185,000 | 618.2% | 0.6% |
| Prosperity Home Mortgage, LLC | $3,400,000 | $1,115,000 | -67.2% | 0.5% |
| NEWREZ LLC | $1,495,000 | $1,110,000 | -25.8% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $325,000 | $1,090,000 | 235.4% | 0.5% |
| EECU | $370,000 | $1,050,000 | 183.8% | 0.5% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,775,000 | $930,000 | -47.6% | 0.4% |
| LOANDEPOT.COM, LLC | $830,000 | $860,000 | 3.6% | 0.4% |
| SOUTHWEST STAGE FUNDING, LLC | $290,000 | $855,000 | 194.8% | 0.4% |
| CMG MORTGAGE, INC. | $205,000 | $845,000 | 312.2% | 0.4% |
| First National Bank | $2,100,000 | $825,000 | -60.7% | 0.4% |
| Gateway First Bank | $1,165,000 | $805,000 | -30.9% | 0.4% |
| SFMC, LP | $870,000 | $795,000 | -8.6% | 0.4% |
| GUARANTEED RATE, INC. | $1,490,000 | $780,000 | -47.7% | 0.4% |
| Pinnacle Bank | $1,315,000 | $765,000 | -41.8% | 0.4% |
| The First National Bank of McGregor | $765,000 | n/a | 0.4% | |
| Frost Bank | $250,000 | $755,000 | 202.0% | 0.4% |
| Farm Credit Mid-America, ACA | $535,000 | $720,000 | 34.6% | 0.3% |
| AMERICAN HERITAGE LENDING, INC. | $645,000 | n/a | 0.3% | |
| RESIDENTIAL MORTGAGE, LLC | $625,000 | n/a | 0.3% | |
| Wells Fargo Bank | $805,000 | $615,000 | -23.6% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $595,000 | n/a | 0.3% | |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $255,000 | $570,000 | 123.5% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $540,000 | n/a | 0.3% | |
| NATIONS RELIABLE LENDING, LLC | $790,000 | $505,000 | -36.1% | 0.2% |
| Round Top State Bank | $500,000 | n/a | 0.2% | |
| FIRST NATIONAL BANK OF WEATHERFORD | $255,000 | $495,000 | 94.1% | 0.2% |
| RANDOLPH-BROOKS | $265,000 | $490,000 | 84.9% | 0.2% |
| UNITED BUILT HOMES, L.L.C. | $225,000 | $485,000 | 115.6% | 0.2% |
| Armed Forces Bank | $475,000 | n/a | 0.2% | |
| ARC HOME LLC | $465,000 | n/a | 0.2% | |
| Quontic Bank | $465,000 | n/a | 0.2% | |
| UNITED MORTGAGE CORP | $460,000 | n/a | 0.2% | |
| American Nation Bank | $455,000 | n/a | 0.2% | |
| CANOPY MORTGAGE, LLC | $455,000 | n/a | 0.2% | |
| AMERICAN FINANCIAL NETWORK, INC. | $305,000 | $445,000 | 45.9% | 0.2% |
| Inwood National Bank | $440,000 | n/a | 0.2% | |
| Home Federal Bank | $435,000 | n/a | 0.2% | |
| Kensington Bank | $435,000 | n/a | 0.2% | |
| Magnolia Bank | $435,000 | n/a | 0.2% | |
| PNC Bank | $230,000 | $435,000 | 89.1% | 0.2% |
| EVERETT FINANCIAL, INC. | $300,000 | $430,000 | 43.3% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $430,000 | n/a | 0.2% | |
| NBKC BANK | $425,000 | n/a | 0.2% | |
| Zions Bank | $385,000 | $405,000 | 5.2% | 0.2% |
| MORTGAGE FINANCIAL SERVICES, LLC | $385,000 | n/a | 0.2% | |
| SUMMIT FUNDING, INC. | $375,000 | n/a | 0.2% | |
| Veritex Community Bank | $395,000 | $375,000 | -5.1% | 0.2% |
| NexBank | $370,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $395,000 | $365,000 | -7.6% | 0.2% |
| Ally Bank | $360,000 | n/a | 0.2% | |
| The Loan Store, Inc. | $345,000 | n/a | 0.2% | |
| TEXELL Credit Union | $340,000 | n/a | 0.2% | |
| Waterstone Mortgage Corporation | $340,000 | n/a | 0.2% | |
| Northpointe Bank | $335,000 | n/a | 0.2% | |
| JPMorgan Chase Bank | $2,530,000 | $315,000 | -87.5% | 0.1% |
| NP, Inc. | $265,000 | $315,000 | 18.9% | 0.1% |
| American Mortgage Bank, LLC | $305,000 | n/a | 0.1% | |
| Century Mortgage Company DBA Century Lending Company | $305,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $295,000 | n/a | 0.1% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $295,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $685,000 | $295,000 | -56.9% | 0.1% |
| Regions Bank | $285,000 | n/a | 0.1% | |
| Network Funding, L.P. | $265,000 | n/a | 0.1% | |
| A&D Mortgage LLC | $255,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $255,000 | n/a | 0.1% | |
| BM Real Estate Services, Inc. | $255,000 | n/a | 0.1% | |
| F & M Bank | $255,000 | n/a | 0.1% | |
| The First National Bank of Albany | $470,000 | $255,000 | -45.7% | 0.1% |
| AmeriHome Mortgage Company, LLC | $135,000 | $245,000 | 81.5% | 0.1% |
| Commercial Bank of Texas | $245,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $245,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $320,000 | $240,000 | -25.0% | 0.1% |
| FREEDOM MORTGAGE CORPORATION | $245,000 | $235,000 | -4.1% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $360,000 | $215,000 | -40.3% | 0.1% |
| ABILENE TEACHERS Federal Credit Union | $205,000 | n/a | 0.1% | |
| First-Citizens Bank & Trust Company | $205,000 | n/a | 0.1% | |
| NEW WAVE LENDING GROUP INC | $205,000 | n/a | 0.1% | |
| American National Bank & Trust | $1,150,000 | $195,000 | -83.0% | 0.1% |
| S1L, Inc. | $185,000 | $195,000 | 5.4% | 0.1% |
| CHEVRON | $185,000 | n/a | 0.1% | |
| First National Bank of Central Texas | $185,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $215,000 | $185,000 | -14.0% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $165,000 | n/a | 0.1% | |
| Comerica Bank | $165,000 | n/a | 0.1% | |
| BOKF | $960,000 | $155,000 | -83.9% | 0.1% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,515,000 | $145,000 | -90.4% | 0.1% |
| GARDNER FINANCIAL SERVICES, LTD. | $565,000 | $145,000 | -74.3% | 0.1% |
| MICHIGAN MUTUAL, INC. | $125,000 | n/a | 0.1% | |
| AMERITRUST MORTGAGE CORPORATION | $115,000 | n/a | 0.1% | |
| Discover Bank | $125,000 | $100,000 | -20.0% | 0.0% |
| SPRING EQ, LLC | $95,000 | n/a | 0.0% | |
| Wallick & Volk, Inc. | $95,000 | n/a | 0.0% | |
| FORT WORTH COMMUNITY | $85,000 | n/a | 0.0% | |
| LOANPAL, LLC | $230,000 | $75,000 | -67.4% | 0.0% |
| CITYWIDE HOME LOANS, LLC | $55,000 | $45,000 | -18.2% | 0.0% |
| H E B | $25,000 | n/a | 0.0% | |
| NAVY FEDERAL CREDIT UNION | $1,260,000 | $25,000 | -98.0% | 0.0% |
Stephenville's top lender by overall market share is WALKER & DUNLOP, LLC, with 22.2% market share. In second place, with 10.4%, is First Financial Bank, having originated $22,110,000 in loans. In third place, with 5.1%, is QUICKEN LOANS, LLC, having originated $10,985,000 in loans. In fourth place, with 4.8%, is SECURITYNATIONAL MORTGAGE COMPANY, having originated $10,145,000 in loans. In fifth place, with 4.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $8,975,000 in loans.
Stephenville, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 360 | $120,260,000 | $334,056 |
| Cash Out Refi | 84 | $20,220,000 | $240,714 |
| Home Improvement | 52 | $5,790,000 | $111,346 |
| Refi | 50 | $63,050,000 | $1,261,000 |
| Other | 36 | $4,160,000 | $115,556 |
Stephenville's most frequently cited loan purpose was Home Purchase, with 360 originations. The 2nd most popular reason was Cash Out Refi, with 84 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 208 | $59,900,000 | $287,981 |
| 7-8% | 166 | $40,860,000 | $246,145 |
| Over 8% | 113 | $20,655,000 | $182,788 |
| 5-6% | 50 | $65,050,000 | $1,301,000 |
| <2.5% | 8 | $70,000 | $8,750 |
| 4-5% | 2 | $900,000 | $450,000 |
| 3-4% | 1 | $25,000 | $25,000 |
During 2024, Stephenville's most frequently originated rate bucket was 6-7%, with 208 originations.
Loan Sizing (Stephenville, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 230 | $64,050,000 | $278,478 |
| $100k-200k | 152 | $22,970,000 | $151,118 |
| $100,000 or less | 92 | $5,120,000 | $55,652 |
| $400k-600k | 76 | $35,760,000 | $470,526 |
| $600k-1000k | 25 | $17,805,000 | $712,200 |
| $Over $1MM | 7 | $67,775,000 | $9,682,143 |
Stephenville's loan sizing saw the bucket of loans from $200k-400k with 230 originations, totaling $64,050,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 194 | $61,380,000 | $316,392 |
| 60-80% | 145 | $89,215,000 | $615,276 |
| 20-40% | 71 | $11,845,000 | $166,831 |
| 40-60% | 71 | $19,175,000 | $270,070 |
| Under 20% | 62 | $3,720,000 | $60,000 |
| Over 100% | 4 | $1,530,000 | $382,500 |
Stephenville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 194 originations, totaling $61,380,000 in origination value.