Uvalde Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Uvalde averaged 7.2% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

The average rate for the prior week (2024-04-11) was 6.98% and one month ago for the week of 2024-03-14, the average rate was 6.54%.

Uvalde's average rate one year ago was 6.47%.

For refis of the same type during the week of 2024-04-18, the average rate was 7.2%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-18 7.1%
Uvalde 30 Year Fixed Rate 2024-04-18 7.2%
Uvalde 30 Year Fixed Rate Refi 2024-04-18 7.2%
Uvalde 15 Year Fixed Rate 2024-04-18 6.29%
Uvalde 15 Year Fixed Rate Refi 2024-04-18 7.09%
Uvalde 30 Year FHA 2024-04-18 6.76%
Uvalde 30 Year FHA Refi 2024-04-18 7.16%
Uvalde 30 Year USDA 2024-04-18 6.86%
Uvalde 30 Year USDA Refi 2024-04-18 6.66%
Uvalde 30 Year VA 2024-04-18 6.76%
Uvalde 30 Year VA Refi 2024-04-18 6.76%
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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
SECURITY SERVICE 9 6.68% $3,367
QUICKEN LOANS, LLC 6 7.39% $10,430
UNITED WHOLESALE MORTGAGE, LLC 4 6.25% $11,250
21ST MORTGAGE CORPORATION 3 8.10% $6,196
ACADEMY MORTGAGE CORPORATION 3 6.54% $7,590
AMCAP MORTGAGE, LTD. 3 7.04% $7,606
JPMorgan Chase Bank 3 6.46% $7,478
S1L, Inc. 2 7.63% $10,787
CALCON MUTUAL MORTGAGE LLC 2 6.81% $12,553
MORTGAGE FINANCIAL SERVICES, LLC 2 7.00% $5,627
MOVEMENT MORTGAGE, LLC 2 7.31% $7,251
CMG MORTGAGE, INC. 2 6.06% $9,511
GUILD MORTGAGE COMPANY 2 6.81% $6,609
GULF COAST EDUCATORS FEDERAL CREDIT UNION 1 5.63% $4,193
U.S. Bank 1 6.25% $4,915
LOANPEOPLE, LLC 1 7.25% $7,562
Morgan Stanley Private Bank 1 7.20% $2,706
Mr. Cooper ( Nationstar Mortgage ) 1 6.63% $10,738
Network Funding, L.P. 1 7.13% $15,665
Paramount Residential Mortgage Group, Inc. 1 6.63% $9,367
PNC Bank 1 6.38% $6,765
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.13% $16,590
Armed Forces Bank 1 6.88% $5,411
RANDOLPH-BROOKS 1 6.88% $0
AMERISAVE MORTGAGE CORPORATION 1 7.00% $7,853
SWBC MORTGAGE CORPORATION 1 6.50% $9,332
The Loan Store, Inc. 1 6.75% $3,600
AMERICAN FINANCING CORPORATION 1 7.38% $8,210
BROKER SOLUTIONS, INC. 1 7.00% $7,561
BancorpSouth 1 8.00% $10,625
CHURCHILL MORTGAGE CORPORATION 1 6.75% $5,573
Deere Employees Credit Union 1 6.75% $4,795
DHI MORTGAGE COMPANY, LTD. 1 7.25% $5,155
DRAPER AND KRAMER MORTGAGE CORP. 1 6.62% $13,053
GUARANTEED RATE, INC. 1 7.13% $4,374

Uvalde Average Closing Costs & Other Stats

Uvalde, TX's 35 lenders originated 208 loans during 2023. The total origination value was $44,670,000, with an average loan value of $214,760.

Uvalde's average closing costs are $6,152.

The top Uvalde lender as defined by loan originations is SECURITY SERVICE, with 9 loans originated. Their average total fees are $3,367, which is $7,062 lower than the next largest lender, QUICKEN LOANS, LLC.

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

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

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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
SECURITY SERVICE $7,280,000 $4,010,000 -44.9% 9.0%
QUICKEN LOANS, LLC $5,300,000 $2,495,000 -52.9% 5.6%
UNITED WHOLESALE MORTGAGE, LLC $1,690,000 $2,460,000 45.6% 5.5%
ACADEMY MORTGAGE CORPORATION $1,220,000 $2,305,000 88.9% 5.2%
AMCAP MORTGAGE, LTD. $560,000 $2,110,000 276.8% 4.7%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,940,000 $1,895,000 -35.5% 4.2%
JPMorgan Chase Bank $175,000 $1,775,000 914.3% 4.0%
GUILD MORTGAGE COMPANY $1,650,000 $1,635,000 -0.9% 3.7%
21ST MORTGAGE CORPORATION $1,365,000 $1,445,000 5.9% 3.2%
MORTGAGE FINANCIAL SERVICES, LLC $145,000 $1,315,000 806.9% 2.9%
TOWNE MORTGAGE COMPANY $1,235,000 n/a 2.8%
Mortgage Research Center, LLC $2,935,000 $945,000 -67.8% 2.1%
CMG MORTGAGE, INC. $1,270,000 $915,000 -28.0% 2.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $885,000 n/a 2.0%
Wallick & Volk, Inc. $375,000 $820,000 118.7% 1.8%
GUARANTEED RATE, INC. $490,000 $790,000 61.2% 1.8%
CALCON MUTUAL MORTGAGE LLC $750,000 n/a 1.7%
Equity Prime Mortgage LLC $195,000 $675,000 246.2% 1.5%
PENTAGON FEDERAL CREDIT UNION $590,000 n/a 1.3%
S1L, Inc. $550,000 n/a 1.2%
NAVY FEDERAL CREDIT UNION $545,000 $485,000 -11.0% 1.1%
Deere Employees Credit Union $465,000 n/a 1.0%
MOVEMENT MORTGAGE, LLC $460,000 n/a 1.0%
GARDNER FINANCIAL SERVICES, LTD. $425,000 n/a 1.0%
TRIAD FINANCIAL SERVICES, INC. $825,000 $405,000 -50.9% 0.9%
Morgan Stanley Private Bank $395,000 n/a 0.9%
RANDOLPH-BROOKS $400,000 $385,000 -3.8% 0.9%
Broadway National Bank $125,000 $365,000 192.0% 0.8%
Paramount Residential Mortgage Group, Inc. $365,000 n/a 0.8%
SWBC MORTGAGE CORPORATION $890,000 $365,000 -59.0% 0.8%
Network Funding, L.P. $345,000 n/a 0.8%
MID AMERICA MORTGAGE, INC. $685,000 $285,000 -58.4% 0.6%
DRAPER AND KRAMER MORTGAGE CORP. $275,000 n/a 0.6%
BancorpSouth $455,000 $265,000 -41.8% 0.6%
BROKER SOLUTIONS, INC. $225,000 $265,000 17.8% 0.6%
LOANPEOPLE, LLC $265,000 n/a 0.6%
U.S. Bank $385,000 $255,000 -33.8% 0.6%
H E B $250,000 n/a 0.6%
Mr. Cooper ( Nationstar Mortgage ) $390,000 $245,000 -37.2% 0.5%
Northpointe Bank $245,000 n/a 0.5%
PNC Bank $245,000 n/a 0.5%
SOUTHWEST STAGE FUNDING, LLC $95,000 $240,000 152.6% 0.5%
GULF COAST EDUCATORS FEDERAL CREDIT UNION $235,000 n/a 0.5%
VELOCITY COMMERCIAL CAPITAL, LLC $235,000 n/a 0.5%
V.I.P. MORTGAGE, INC. $115,000 $235,000 104.3% 0.5%
Gateway First Bank $230,000 n/a 0.5%
AMERICAN PACIFIC MORTGAGE CORPORATION $3,865,000 $215,000 -94.4% 0.5%
COUNTRYPLACE MORTGAGE, LTD. $210,000 n/a 0.5%
Century Mortgage Company DBA Century Lending Company $195,000 n/a 0.4%
Loan Simple, Inc. $135,000 $185,000 37.0% 0.4%
LONE STAR STATE BANK $185,000 n/a 0.4%
CREDIT HUMAN FEDERAL CREDIT UNION $145,000 $175,000 20.7% 0.4%
CHURCHILL MORTGAGE CORPORATION $150,000 $165,000 10.0% 0.4%
Armed Forces Bank $145,000 n/a 0.3%
Classic Bank $145,000 n/a 0.3%
AMERICAN FINANCING CORPORATION $135,000 n/a 0.3%
CANOPY MORTGAGE, LLC $135,000 n/a 0.3%
Plains Commerce Bank $105,000 $135,000 28.6% 0.3%
TOTAL MORTGAGE SERVICES, LLC $135,000 n/a 0.3%
DHI MORTGAGE COMPANY, LTD. $125,000 n/a 0.3%
AMERISAVE MORTGAGE CORPORATION $225,000 $115,000 -48.9% 0.3%
The Loan Store, Inc. $105,000 n/a 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $95,000 n/a 0.2%
FINANCE OF AMERICA REVERSE LLC $55,000 n/a 0.1%

Uvalde's top lender by overall market share is SECURITY SERVICE, with 9.0% market share. In second place, with 5.6%, is QUICKEN LOANS, LLC, having originated $2,495,000 in loans. In third place, with 5.5%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $2,460,000 in loans. In fourth place, with 5.2%, is ACADEMY MORTGAGE CORPORATION, having originated $2,305,000 in loans. In fifth place, with 4.7%, is AMCAP MORTGAGE, LTD., having originated $2,110,000 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 (14.3%) $303,932 (22.6%) 0.00 116
2018-02-01 $208,225 (8.2%) $275,725 (11.7%) 0.00 114
2018-03-01 $214,250 (-0.1%) $257,558 (-9.5%) 0.00 121
2018-04-01 $218,500 (1.6%) $291,152 (5.3%) 0.00 124
2018-05-01 $235,500 (18.9%) $338,638 (31.4%) 0.00 119
2018-06-01 $239,750 (26.2%) $359,906 (41.3%) 0.00 121
2018-07-01 $239,250 (20.5%) $363,722 (40.0%) 0.00 123
2018-08-01 $223,500 (6.4%) $305,796 (14.3%) 0.00 131
2018-09-01 $219,950 (10.1%) $296,212 (13.0%) 0.00 120
2018-10-01 $222,500 (12.9%) $304,070 (14.9%) 0.00 112
2018-11-01 $217,000 (2.1%) $288,255 (-0.4%) 0.00 119
2018-12-01 $204,900 (-4.7%) $278,501 (-7.7%) 0.00 117
2019-01-01 $204,950 (-6.3%) $277,158 (-8.8%) 0.00 101
2019-02-01 $213,250 (2.4%) $288,725 (4.7%) 0.00 101
2019-03-01 $219,514 (2.5%) $297,840 (15.6%) 0.00 106
2019-04-01 $219,064 (0.3%) $304,233 (4.5%) 0.00 111
2019-05-01 $239,250 (1.6%) $315,319 (-6.9%) 0.00 114
2019-06-01 $234,000 (-2.4%) $305,017 (-15.3%) 0.00 113
2019-07-01 $233,250 (-2.5%) $299,004 (-17.8%) 0.00 116
2019-08-01 $234,455 (4.9%) $307,684 (0.6%) 0.00 113
2019-09-01 $231,386 (5.2%) $309,449 (4.5%) 0.00 108
2019-10-01 $229,341 (3.1%) $311,898 (2.6%) 0.00 105
2019-11-01 $239,000 (10.1%) $316,349 (9.8%) 0.00 100
2019-12-01 $242,200 (18.2%) $321,424 (15.4%) 0.00 98
2020-01-01 $262,500 (28.1%) $338,101 (22.0%) 0.00 95
2020-02-01 $260,000 (21.9%) $334,958 (16.0%) 0.00 92
2020-03-01 $271,750 (23.8%) $350,563 (17.7%) 0.00 97
2020-04-01 $282,000 (28.7%) $351,687 (15.6%) 0.00 95
2020-05-01 $287,000 (20.0%) $353,362 (12.1%) 0.00 95
2020-06-01 $314,000 (34.2%) $388,835 (27.5%) 0.00 94
2020-07-01 $334,000 (43.2%) $417,118 (39.5%) 0.00 78
2020-08-01 $294,000 (25.4%) $393,523 (27.9%) 0.00 76
2020-09-01 $292,000 (26.2%) $372,436 (20.4%) 0.00 78
2020-10-01 $282,500 (23.2%) $378,505 (21.4%) 0.00 84
2020-11-01 $291,500 (22.0%) $419,965 (32.8%) 0.00 79
2020-12-01 $287,000 (18.5%) $387,656 (20.6%) 0.00 73
2021-01-01 $292,000 (11.2%) $393,374 (16.4%) 0.00 64
2021-02-01 $282,000 (8.5%) $354,405 (5.8%) 0.00 62
2021-03-01 $291,500 (7.3%) $351,243 (0.2%) 0.00 55
2021-04-01 $292,450 (3.7%) $369,500 (5.1%) 0.00 48
2021-05-01 $287,450 (0.2%) $370,416 (4.8%) 0.00 39
2021-06-01 $304,975 (-2.9%) $401,443 (3.2%) 0.00 31
2021-07-01 $269,500 (-19.3%) $466,721 (11.9%) 0.00 41
2021-08-01 $312,000 (6.1%) $483,035 (22.8%) 0.00 41
2021-09-01 $331,175 (13.4%) $420,596 (12.9%) 0.00 41
2021-10-01 $295,000 (4.4%) $390,766 (3.2%) 0.00 32
2021-11-01 $303,725 (4.2%) $404,914 (-3.6%) 0.00 33
2021-12-01 $306,200 (6.7%) $397,060 (2.4%) 0.00 31
2022-01-01 $277,000 (-5.1%) $358,610 (-8.8%) 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 (31.7%) 0.00 36
2022-04-01 $312,000 (6.7%) $427,582 (15.7%) 0.00 39
2022-05-01 $342,250 (19.1%) $481,176 (29.9%) 0.00 40
2022-06-01 $307,125 (0.7%) $469,077 (16.9%) 0.00 50
2022-07-01 $310,000 (15.0%) $440,497 (-5.6%) 0.00 62
2022-08-01 $341,225 (9.4%) $463,444 (-4.1%) 0.00 74
2022-09-01 $366,500 (10.7%) $487,653 (15.9%) 0.00 77
2022-10-01 $345,450 (17.1%) $490,542 (25.5%) 0.00 77
2022-11-01 $335,900 (10.6%) $453,582 (12.0%) 0.00 80
2022-12-01 $364,999 (19.2%) $472,656 (19.0%) 0.00 77
2023-01-01 $332,425 (20.0%) $431,171 (20.2%) 0.00 82
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%) $465,494 (8.9%) 0.00 72
2023-05-01 $285,000 (-16.7%) $438,191 (-8.9%) 0.00 83
2023-06-01 $284,725 (-7.3%) $407,482 (-13.1%) 0.00 81
2023-07-01 $319,450 (3.1%) $419,430 (-4.8%) 0.00 81
2023-08-01 $325,000 (-4.8%) $458,557 (-1.1%) 0.00 88
2023-09-01 $347,450 (-5.2%) $472,208 (-3.2%) 0.00 91
2023-10-01 $351,225 (1.7%) $490,573 (0.0%) 0.00 97
2023-11-01 $349,500 (4.1%) $479,429 (5.7%) 0.00 97
2023-12-01 $370,000 (1.4%) $495,670 (4.9%) 0.00 83
2024-01-01 $365,000 (9.8%) $523,070 (21.3%) 0.00 75
2024-02-01 $348,000 (6.4%) $512,218 (21.2%) 0.00 80
2024-03-01 $357,500 (4.9%) $539,645 (17.6%) 0.00 97
Uvalde's median listing price for 2024-03-01 was $357,500, a difference of $16,550 (4.9%) versus the prior year and $9,500 versus the prior month.

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

Uvalde's average listing price for 2024-03-01 was $539,645, a difference of $80,733 (17.6%) versus the prior year and $27,427 versus the prior month.

For the 2024-03-01 period, Uvalde had 97 MLS listings, a difference of 17 listings (21%) 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 2,090 sqft
2018-02-01 0 days 2,009 sqft
2018-03-01 0 days 2,047 sqft
2018-04-01 0 days 2,061 sqft
2018-05-01 0 days 2,079 sqft
2018-06-01 0 days 2,109 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 2,048 sqft
2019-04-01 0 days 2,063 sqft
2019-05-01 0 days 2,088 sqft
2019-06-01 0 days 2,078 sqft
2019-07-01 0 days 2,001 sqft
2019-08-01 0 days 2,010 sqft
2019-09-01 0 days 2,022 sqft
2019-10-01 0 days 2,031 sqft
2019-11-01 0 days 2,016 sqft
2019-12-01 0 days 2,109 sqft
2020-01-01 0 days 2,125 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 2,266 sqft
2020-07-01 0 days 2,446 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 2,243 sqft
2020-12-01 0 days 2,319 sqft
2021-01-01 0 days 2,362 sqft
2021-02-01 0 days 2,318 sqft
2021-03-01 0 days 2,291 sqft
2021-04-01 0 days 2,195 sqft
2021-05-01 0 days 2,206 sqft
2021-06-01 0 days 2,283 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 1,729 sqft
2022-06-01 0 days 1,804 sqft
2022-07-01 0 days 2,020 sqft
2022-08-01 0 days 2,142 sqft
2022-09-01 0 days 2,149 sqft
2022-10-01 0 days 2,020 sqft
2022-11-01 0 days 2,024 sqft
2022-12-01 0 days 2,158 sqft
2023-01-01 0 days 1,900 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 1,782 sqft
2023-06-01 0 days 1,760 sqft
2023-07-01 0 days 1,756 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
2023-11-01 0 days 1,852 sqft
2023-12-01 0 days 1,960 sqft
2024-01-01 0 days 2,063 sqft
2024-02-01 0 days 1,868 sqft
2024-03-01 0 days 1,952 sqft
Uvalde's median listing age (time on market) for 2024-03-01 was 0 days.

Uvalde's median square footage for active listings during the 2024-03-01 period was 1,952 sqft. One year prior, the average listing was 1,858 sqft.

Uvalde, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 159 $36,485,000 $229,465
Other 20 $2,010,000 $100,500
Cash Out Refi 20 $3,150,000 $157,500
Refi 7 $2,725,000 $389,286
Home Improvement 2 $300,000 $150,000

Uvalde's most frequently cited loan purpose was Home Purchase, with 159 originations. The 2nd most popular reason was Other, with 20 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 82 $18,370,000 $224,024
7-8% 45 $11,775,000 $261,667
5-6% 27 $6,515,000 $241,296
Over 8% 18 $2,030,000 $112,778
<2.5% 10 $50,000 $5,000
4-5% 3 $1,045,000 $348,333

During 2023, Uvalde's most frequently originated rate bucket was 6-7%, with 82 originations.

Loan Sizing (Uvalde, TX MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 74 $11,010,000 $148,784
$200k-400k 65 $18,505,000 $284,692
$100,000 or less 48 $2,460,000 $51,250
$400k-600k 15 $7,355,000 $490,333
$600k-1000k 4 $2,710,000 $677,500
$Over $1MM 2 $2,630,000 $1,315,000

Uvalde's loan sizing saw the bucket of loans from $100k-200k with 74 originations, totaling $11,010,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 111 $25,395,000 $228,784
60-80% 31 $10,035,000 $323,710
20-40% 15 $1,235,000 $82,333
Under 20% 15 $235,000 $15,667
40-60% 9 $1,465,000 $162,778
Over 100% 5 $1,425,000 $285,000

Uvalde's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 111 originations, totaling $25,395,000 in origination value.