Uvalde Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Uvalde averaged 6.92% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

    The average rate for the prior week (2023-11-16) was 7.17% and one month ago for the week of 2023-10-19, the average rate was 7.36%.

    Uvalde's average rate one year ago was 6.34%.

    For refis of the same type during the week of 2023-11-22, the average rate was 7.29%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-22 7.29%
    Uvalde 30 Year Fixed Rate 2023-11-22 6.92%
    Uvalde 30 Year Fixed Rate Refi 2023-11-22 7.29%
    Uvalde 15 Year Fixed Rate 2023-11-22 6.87%
    Uvalde 15 Year Fixed Rate Refi 2023-11-22 6.87%
    Uvalde 30 Year FHA 2023-11-22 0.1%
    Uvalde 30 Year FHA Refi 2023-11-22 -0.1%
    Uvalde 30 Year USDA 2023-11-22 -0.2%
    Uvalde 30 Year USDA Refi 2023-11-22 0.2%
    Uvalde 30 Year VA 2023-11-22 0.2%
    Uvalde 30 Year VA Refi 2023-11-22 -0.1%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Uvalde, TX.

    Uvalde 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 Uvalde, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    SECURITY SERVICE 23 4.16% $3,509
    QUICKEN LOANS, LLC 12 5.01% $11,075
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 5.57% $5,101
    UNITED WHOLESALE MORTGAGE, LLC 4 5.50% $7,716
    TIB The Independent Bankersbank 3 4.33% $6,306
    LOANDEPOT.COM, LLC 3 3.79% $8,438
    CMG MORTGAGE, INC. 3 4.75% $7,822
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 5.29% $10,469
    U.S. Bank 3 4.00% $5,782
    GUILD MORTGAGE COMPANY 3 5.70% $6,641
    CHURCHILL MORTGAGE CORPORATION 2 3.94% $4,306
    NAVY FEDERAL CREDIT UNION 2 4.50% $2,561
    IMPAC MORTGAGE CORP. 1 5.63% $6,551
    KELLER MORTGAGE, LLC 1 6.63% $4,818
    MORTGAGE FINANCIAL SERVICES, LLC 1 5.13% $5,413
    Mortgage Research Center, LLC 1 6.50% $6,405
    Mr. Cooper ( Nationstar Mortgage ) 1 4.38% $11,918
    NexBank 1 7.00% $24,487
    PENNYMAC LOAN SERVICES, LLC 1 5.50% $6,819
    PHH Mortgage Corporation 1 6.13% $4,591
    Prosperity Bank 1 5.00% $3,752
    RANDOLPH-BROOKS 1 4.25% $3,952
    Renasant Bank 1 2.88% $6,281
    RESIDENTIAL BANCORP 1 3.99% $5,051
    Santander Bank, N.A. 1 2.99% $4,648
    SECURITYNATIONAL MORTGAGE COMPANY 1 3.88% $5,146
    Sunflower Bank 1 5.49% $11,756
    Texas Regional Bank 1 5.38% $8,622
    THRIVE MORTGAGE, LLC 1 3.88% $5,081
    Truist 1 4.50% $6,252
    V.I.P. MORTGAGE, INC. 1 4.99% $5,720
    21ST MORTGAGE CORPORATION 1 7.80% $7,483
    WILLOW BEND MORTGAGE COMPANY, LLC 1 7.63% $18,457
    ACADEMY MORTGAGE CORPORATION 1 3.88% $5,360
    AMCAP MORTGAGE, LTD. 1 5.13% $11,128
    AMERISAVE MORTGAGE CORPORATION 1 3.50% $9,989
    ASPIRE FINANCIAL, INC. 1 3.38% $5,256
    BancorpSouth 1 5.38% $13,423
    Bank of England 1 6.50% $11,158
    CALIBER HOME LOANS, INC. 1 5.63% $9,237
    CROSSCOUNTRY MORTGAGE, LLC 1 3.13% $7,170
    Farm Credit Mid-America, ACA 1 4.30% $11,355
    First United Bank and Trust Company 1 3.63% $4,694
    Flagstar Bank, FSB 1 5.78% $4,080

    Uvalde Average Closing Costs & Other Stats

    Uvalde, TX's 44 lenders originated 263 loans during 2022. The total origination value was $57,855,000, with an average loan value of $219,981.

    Uvalde's average closing costs are $5,824.

    The top Uvalde lender as defined by loan originations is SECURITY SERVICE, with 23 loans originated. Their average total fees are $3,509, which is $7,566 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Uvalde lenders (with over 10 loans originated) are SECURITY SERVICE ($3,509), QUICKEN LOANS, LLC ($11,075), .

    The lowest rate Uvalde lenders (with over 10 loans originated) are SECURITY SERVICE (4.16%), QUICKEN LOANS, LLC (5.01%), .

    Uvalde, 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    SECURITY SERVICE $9,470,000 $7,280,000 -23.1% 12.6%
    QUICKEN LOANS, LLC $8,395,000 $5,300,000 -36.9% 9.2%
    AMERICAN PACIFIC MORTGAGE CORPORATION $5,280,000 $3,865,000 -26.8% 6.7%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,755,000 $2,940,000 67.5% 5.1%
    Mortgage Research Center, LLC $1,730,000 $2,935,000 69.7% 5.1%
    UNITED WHOLESALE MORTGAGE, LLC $2,875,000 $1,690,000 -41.2% 2.9%
    GUILD MORTGAGE COMPANY $3,835,000 $1,650,000 -57.0% 2.9%
    USAA Federal Savings Bank $1,320,000 $1,420,000 7.6% 2.5%
    21ST MORTGAGE CORPORATION $1,475,000 $1,365,000 -7.5% 2.4%
    CMG MORTGAGE, INC. $450,000 $1,270,000 182.2% 2.2%
    ACADEMY MORTGAGE CORPORATION $325,000 $1,220,000 275.4% 2.1%
    Vantage Bank Texas $1,105,000 n/a 1.9%
    Prosperity Bank $580,000 $1,045,000 80.2% 1.8%
    American Bank $1,005,000 n/a 1.7%
    LOANDEPOT.COM, LLC $1,440,000 $890,000 -38.2% 1.5%
    SWBC MORTGAGE CORPORATION $2,375,000 $890,000 -62.5% 1.5%
    TIB The Independent Bankersbank $1,030,000 $855,000 -17.0% 1.5%
    Sunflower Bank $825,000 n/a 1.4%
    TRIAD FINANCIAL SERVICES, INC. $325,000 $825,000 153.8% 1.4%
    Truist $825,000 n/a 1.4%
    CALIBER HOME LOANS, INC. $670,000 $800,000 19.4% 1.4%
    MID AMERICA MORTGAGE, INC. $155,000 $685,000 341.9% 1.2%
    NexBank $565,000 n/a 1.0%
    VeraBank $565,000 n/a 1.0%
    AMCAP MORTGAGE, LTD. $1,135,000 $560,000 -50.7% 1.0%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $550,000 n/a 1.0%
    Farm Credit Mid-America, ACA $550,000 n/a 1.0%
    NAVY FEDERAL CREDIT UNION $600,000 $545,000 -9.2% 0.9%
    Renasant Bank $545,000 n/a 0.9%
    FREEDOM MORTGAGE CORPORATION $2,730,000 $510,000 -81.3% 0.9%
    Jefferson Bank $495,000 n/a 0.9%
    GUARANTEED RATE, INC. $695,000 $490,000 -29.5% 0.8%
    SouthStar Bank, S.S.B. $95,000 $470,000 394.7% 0.8%
    BancorpSouth Bank $455,000 n/a 0.8%
    Mid-Continent Funding, Inc. $455,000 n/a 0.8%
    CROSSCOUNTRY MORTGAGE, LLC $105,000 $440,000 319.0% 0.8%
    RANDOLPH-BROOKS $765,000 $400,000 -47.7% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $1,895,000 $390,000 -79.4% 0.7%
    U.S. Bank $105,000 $385,000 266.7% 0.7%
    Wallick & Volk, Inc. $300,000 $375,000 25.0% 0.6%
    Bank of England $240,000 $365,000 52.1% 0.6%
    ASPIRE FINANCIAL, INC. $125,000 $350,000 180.0% 0.6%
    CERTAINTY HOME LOANS, LLC $345,000 n/a 0.6%
    Lakeview Community Capital, LLC $360,000 $340,000 -5.6% 0.6%
    Texas Regional Bank $325,000 n/a 0.6%
    WILLOW BEND MORTGAGE COMPANY, LLC $325,000 n/a 0.6%
    THRIVE MORTGAGE, LLC $285,000 n/a 0.5%
    FBC MORTGAGE, LLC $275,000 n/a 0.5%
    Austin Bank, Texas $265,000 n/a 0.5%
    Flagstar Bank, FSB $670,000 $235,000 -64.9% 0.4%
    AMERISAVE MORTGAGE CORPORATION $440,000 $225,000 -48.9% 0.4%
    BROKER SOLUTIONS, INC. $295,000 $225,000 -23.7% 0.4%
    HANCOCK MORTGAGE PARTNERS, LLC $205,000 n/a 0.4%
    SYNERGY FEDERAL CREDIT UNION $205,000 n/a 0.4%
    Equity Prime Mortgage LLC $195,000 n/a 0.3%
    RESIDENTIAL BANCORP. $185,000 n/a 0.3%
    JPMorgan Chase Bank $205,000 $175,000 -14.6% 0.3%
    Santander Bank, N.A. $175,000 n/a 0.3%
    UNION HOME MORTGAGE CORP. $175,000 n/a 0.3%
    KELLER MORTGAGE, LLC $155,000 n/a 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $125,000 $155,000 24.0% 0.3%
    SECURITYNATIONAL MORTGAGE COMPANY $265,000 $155,000 -41.5% 0.3%
    CHURCHILL MORTGAGE CORPORATION $175,000 $150,000 -14.3% 0.3%
    CREDIT HUMAN FEDERAL CREDIT UNION $65,000 $145,000 123.1% 0.3%
    First Guaranty Mortgage Corporation $145,000 n/a 0.3%
    First United Bank and Trust Company $145,000 n/a 0.3%
    MORTGAGE FINANCIAL SERVICES, LLC $145,000 n/a 0.3%
    Signature Federal Credit Union $145,000 n/a 0.3%
    Wells Fargo Bank $1,220,000 $145,000 -88.1% 0.3%
    GUARANTY HOME MORTGAGE CORPORATION $485,000 $135,000 -72.2% 0.2%
    IMPAC MORTGAGE CORP. $135,000 n/a 0.2%
    Loan Simple, Inc. $135,000 n/a 0.2%
    PHH Mortgage Corporation $135,000 n/a 0.2%
    Broadway National Bank $125,000 n/a 0.2%
    NEWREZ LLC $45,000 $125,000 177.8% 0.2%
    PENNYMAC LOAN SERVICES, LLC $975,000 $125,000 -87.2% 0.2%
    Prosperity Home Mortgage, LLC $125,000 n/a 0.2%
    V.I.P. MORTGAGE, INC. $485,000 $115,000 -76.3% 0.2%
    Bank of America $545,000 $105,000 -80.7% 0.2%
    CSL Financial, LLC $105,000 n/a 0.2%
    Plains Commerce Bank $105,000 n/a 0.2%
    Texas Community Bank $285,000 $105,000 -63.2% 0.2%
    SOUTHWEST STAGE FUNDING, LLC $75,000 $95,000 26.7% 0.2%
    AMERICAN FINANCIAL RESOURCES, INC. $65,000 $75,000 15.4% 0.1%
    Republic State Mortgage Co. $470,000 $75,000 -84.0% 0.1%
    Discover Bank $55,000 n/a 0.1%
    AMERICAN ADVISORS GROUP $35,000 n/a 0.1%

    Uvalde's top lender by overall market share is SECURITY SERVICE, with 12.6% market share. In second place, with 9.2%, is QUICKEN LOANS, LLC, having originated $5,300,000 in loans. In third place, with 6.7%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $3,865,000 in loans. In fourth place, with 5.1%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $2,940,000 in loans. In fifth place, with 5.1%, is Mortgage Research Center, LLC, having originated $2,935,000 in loans.

    Uvalde Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Uvalde (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 $218,625 (12.8%) $303,065 (22.4%) 0.00 118
    2018-02-01 $207,500 (6.6%) $274,839 (11.5%) 0.00 116
    2018-03-01 $214,250 (1.7%) $257,350 (-9.4%) 0.00 123
    2018-04-01 $218,500 (5.6%) $290,433 (5.3%) 0.00 126
    2018-05-01 $235,500 (18.6%) $337,199 (31.1%) 0.00 121
    2018-06-01 $239,750 (26.2%) $358,102 (40.9%) 0.00 122
    2018-07-01 $239,250 (20.2%) $363,722 (40.2%) 0.00 123
    2018-08-01 $223,500 (6.4%) $305,796 (14.4%) 0.00 131
    2018-09-01 $219,950 (10.1%) $296,212 (13.1%) 0.00 120
    2018-10-01 $222,500 (12.9%) $304,070 (15.0%) 0.00 112
    2018-11-01 $217,000 (2.1%) $288,255 (-0.3%) 0.00 119
    2018-12-01 $204,900 (-4.7%) $278,501 (-7.5%) 0.00 117
    2019-01-01 $204,950 (-6.3%) $277,158 (-8.6%) 0.00 101
    2019-02-01 $213,250 (2.8%) $288,725 (5.1%) 0.00 101
    2019-03-01 $219,707 (2.6%) $298,607 (16.0%) 0.00 107
    2019-04-01 $219,482 (0.5%) $306,027 (5.4%) 0.00 112
    2019-05-01 $239,500 (1.7%) $316,949 (-6.0%) 0.00 115
    2019-06-01 $236,750 (-1.3%) $306,781 (-14.3%) 0.00 114
    2019-07-01 $234,500 (-2.0%) $300,725 (-17.3%) 0.00 117
    2019-08-01 $236,273 (5.7%) $309,419 (1.2%) 0.00 114
    2019-09-01 $232,182 (5.6%) $311,242 (5.1%) 0.00 109
    2019-10-01 $232,080 (4.3%) $313,719 (3.2%) 0.00 106
    2019-11-01 $239,500 (10.4%) $318,241 (10.4%) 0.00 101
    2019-12-01 $244,800 (19.5%) $323,259 (16.1%) 0.00 99
    2020-01-01 $263,750 (28.7%) $338,101 (22.0%) 0.00 95
    2020-02-01 $260,000 (21.9%) $336,397 (16.5%) 0.00 92
    2020-03-01 $271,750 (23.7%) $350,563 (17.4%) 0.00 97
    2020-04-01 $282,000 (28.5%) $351,687 (14.9%) 0.00 95
    2020-05-01 $289,000 (20.7%) $373,867 (18.0%) 0.00 97
    2020-06-01 $316,500 (33.7%) $407,637 (32.9%) 0.00 97
    2020-07-01 $339,225 (44.7%) $438,678 (45.9%) 0.00 80
    2020-08-01 $299,000 (26.6%) $417,068 (34.8%) 0.00 78
    2020-09-01 $299,000 (28.8%) $398,385 (28.0%) 0.00 80
    2020-10-01 $292,000 (25.8%) $400,919 (27.8%) 0.00 86
    2020-11-01 $301,500 (25.9%) $443,348 (39.3%) 0.00 81
    2020-12-01 $286,000 (16.8%) $399,061 (23.5%) 0.00 74
    2021-01-01 $292,000 (10.7%) $391,194 (15.7%) 0.00 64
    2021-02-01 $282,000 (8.5%) $354,405 (5.4%) 0.00 62
    2021-03-01 $291,500 (7.3%) $350,681 (0.0%) 0.00 55
    2021-04-01 $292,450 (3.7%) $369,500 (5.1%) 0.00 48
    2021-05-01 $289,900 (0.3%) $390,998 (4.6%) 0.00 40
    2021-06-01 $314,950 (-0.5%) $438,561 (7.6%) 0.00 32
    2021-07-01 $269,500 (-20.6%) $466,721 (6.4%) 0.00 41
    2021-08-01 $312,000 (4.4%) $483,035 (15.8%) 0.00 41
    2021-09-01 $331,175 (10.8%) $420,596 (5.6%) 0.00 41
    2021-10-01 $295,000 (1.0%) $390,766 (-2.5%) 0.00 32
    2021-11-01 $303,725 (0.7%) $404,914 (-8.7%) 0.00 33
    2021-12-01 $306,200 (7.1%) $397,060 (-0.5%) 0.00 31
    2022-01-01 $277,000 (-5.1%) $358,610 (-8.3%) 0.00 35
    2022-02-01 $263,450 (-6.6%) $449,439 (26.8%) 0.00 33
    2022-03-01 $267,450 (-8.3%) $462,717 (32.0%) 0.00 36
    2022-04-01 $312,000 (6.7%) $427,582 (15.7%) 0.00 39
    2022-05-01 $345,750 (19.3%) $480,359 (22.9%) 0.00 40
    2022-06-01 $307,125 (-2.5%) $469,077 (7.0%) 0.00 50
    2022-07-01 $310,000 (15.0%) $440,497 (-5.6%) 0.00 62
    2022-08-01 $346,000 (10.9%) $464,828 (-3.8%) 0.00 75
    2022-09-01 $369,250 (11.5%) $488,425 (16.1%) 0.00 78
    2022-10-01 $349,000 (18.3%) $490,657 (25.6%) 0.00 78
    2022-11-01 $340,200 (12.0%) $454,122 (12.2%) 0.00 81
    2022-12-01 $367,000 (19.9%) $472,375 (19.0%) 0.00 78
    2023-01-01 $337,475 (21.8%) $430,796 (20.1%) 0.00 83
    2023-02-01 $327,000 (24.1%) $422,803 (-5.9%) 0.00 75
    2023-03-01 $340,950 (27.5%) $458,912 (-0.8%) 0.00 78
    2023-04-01 $312,450 (0.1%) $459,590 (7.5%) 0.00 72
    2023-05-01 $283,375 (-18.0%) $440,251 (-8.4%) 0.00 85
    2023-06-01 $286,500 (-6.7%) $417,340 (-11.0%) 0.00 82
    2023-07-01 $322,450 (4.0%) $433,513 (-1.6%) 0.00 83
    2023-08-01 $325,000 (-6.1%) $458,557 (-1.4%) 0.00 88
    2023-09-01 $347,450 (-5.9%) $472,208 (-3.3%) 0.00 91
    2023-10-01 $351,225 (0.6%) $490,573 (0.0%) 0.00 97
    Uvalde's median listing price for 2023-10-01 was $351,225, a difference of $2,225 (0.6%) versus the prior year and $3,775 versus the prior month.

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

    Uvalde's average listing price for 2023-10-01 was $490,573, a difference of $-84 (0.0%) versus the prior year and $18,365 versus the prior month.

    For the 2023-10-01 period, Uvalde had 97 MLS listings, a difference of 6 listings (7%) versus the prior month and 19 listings (24%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Uvalde (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,096 sqft
    2018-02-01 0 days 2,031 sqft
    2018-03-01 0 days 2,072 sqft
    2018-04-01 0 days 2,078 sqft
    2018-05-01 0 days 2,086 sqft
    2018-06-01 0 days 2,127 sqft
    2018-07-01 0 days 2,144 sqft
    2018-08-01 0 days 2,097 sqft
    2018-09-01 0 days 2,016 sqft
    2018-10-01 0 days 2,049 sqft
    2018-11-01 0 days 2,004 sqft
    2018-12-01 0 days 1,995 sqft
    2019-01-01 0 days 1,966 sqft
    2019-02-01 0 days 2,003 sqft
    2019-03-01 0 days 2,041 sqft
    2019-04-01 0 days 2,046 sqft
    2019-05-01 0 days 2,084 sqft
    2019-06-01 0 days 2,078 sqft
    2019-07-01 0 days 1,998 sqft
    2019-08-01 0 days 2,004 sqft
    2019-09-01 0 days 2,011 sqft
    2019-10-01 0 days 2,016 sqft
    2019-11-01 0 days 2,011 sqft
    2019-12-01 0 days 2,101 sqft
    2020-01-01 0 days 2,124 sqft
    2020-02-01 0 days 2,183 sqft
    2020-03-01 0 days 2,259 sqft
    2020-04-01 0 days 2,308 sqft
    2020-05-01 0 days 2,286 sqft
    2020-06-01 0 days 2,256 sqft
    2020-07-01 0 days 2,443 sqft
    2020-08-01 0 days 2,258 sqft
    2020-09-01 0 days 2,167 sqft
    2020-10-01 0 days 2,150 sqft
    2020-11-01 0 days 2,227 sqft
    2020-12-01 0 days 2,311 sqft
    2021-01-01 0 days 2,357 sqft
    2021-02-01 0 days 2,318 sqft
    2021-03-01 0 days 2,288 sqft
    2021-04-01 0 days 2,195 sqft
    2021-05-01 0 days 2,220 sqft
    2021-06-01 0 days 2,363 sqft
    2021-07-01 0 days 1,967 sqft
    2021-08-01 0 days 2,108 sqft
    2021-09-01 0 days 1,857 sqft
    2021-10-01 0 days 1,656 sqft
    2021-11-01 0 days 1,653 sqft
    2021-12-01 0 days 1,662 sqft
    2022-01-01 0 days 1,653 sqft
    2022-02-01 0 days 1,632 sqft
    2022-03-01 0 days 1,687 sqft
    2022-04-01 0 days 1,706 sqft
    2022-05-01 0 days 1,712 sqft
    2022-06-01 0 days 1,804 sqft
    2022-07-01 0 days 2,020 sqft
    2022-08-01 0 days 2,158 sqft
    2022-09-01 0 days 2,172 sqft
    2022-10-01 0 days 2,024 sqft
    2022-11-01 0 days 2,043 sqft
    2022-12-01 0 days 2,168 sqft
    2023-01-01 0 days 1,917 sqft
    2023-02-01 0 days 1,862 sqft
    2023-03-01 0 days 1,858 sqft
    2023-04-01 0 days 1,854 sqft
    2023-05-01 0 days 1,775 sqft
    2023-06-01 0 days 1,770 sqft
    2023-07-01 0 days 1,768 sqft
    2023-08-01 0 days 1,800 sqft
    2023-09-01 0 days 1,859 sqft
    2023-10-01 0 days 1,857 sqft
    Uvalde's median listing age (time on market) for 2023-10-01 was 0 days.

    Uvalde's median square footage for active listings during the 2023-10-01 period was 1,857 sqft. One year prior, the average listing was 2,024 sqft.

    Uvalde, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 176 $42,590,000 $241,989
    Cash Out Refi 39 $7,335,000 $188,077
    Refi 33 $6,265,000 $189,848
    Other 11 $715,000 $65,000
    Home Improvement 4 $950,000 $237,500

    Uvalde's most frequently cited loan purpose was Home Purchase, with 176 originations. The 2nd most popular reason was Cash Out Refi, with 39 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    3-4% 64 $14,730,000 $230,156
    5-6% 58 $13,850,000 $238,793
    4-5% 51 $12,215,000 $239,510
    6-7% 33 $7,265,000 $220,152
    2.5-3% 14 $3,100,000 $221,429
    Over 8% 13 $1,045,000 $80,385
    7-8% 10 $1,560,000 $156,000
    <2.5% 10 $1,060,000 $106,000

    During 2022, Uvalde's most frequently originated rate bucket was 3-4%, with 64 originations.

    Loan Sizing (Uvalde, TX MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 93 $14,195,000 $152,634
    $200k-400k 90 $24,400,000 $271,111
    $100,000 or less 54 $3,580,000 $66,296
    $400k-600k 18 $8,860,000 $492,222
    $600k-1000k 5 $3,655,000 $731,000
    $Over $1MM 3 $3,165,000 $1,055,000

    Uvalde's loan sizing saw the bucket of loans from $100k-200k with 93 originations, totaling $14,195,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 128 $28,010,000 $218,828
    60-80% 57 $16,005,000 $280,789
    40-60% 30 $5,350,000 $178,333
    20-40% 24 $2,360,000 $98,333
    Under 20% 8 $350,000 $43,750
    Over 100% 6 $2,150,000 $358,333

    Uvalde's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 128 originations, totaling $28,010,000 in origination value.