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 6.86% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 6.81% and one month ago for the week of 2025-04-17, the average rate was 6.83%.

    Uvalde's average rate one year ago was 6.82%.

    For refis of the same type during the week of 2025-05-22, the average rate was 7.06%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Uvalde 30 Year Fixed Rate 2025-05-22 6.86%
    Uvalde 30 Year Fixed Rate Refi 2025-05-22 7.06%
    Uvalde 15 Year Fixed Rate 2025-05-22 6.01%
    Uvalde 15 Year Fixed Rate Refi 2025-05-22 6.41%
    Uvalde 30 Year FHA 2025-05-22 6.51%
    Uvalde 30 Year FHA Refi 2025-05-22 6.81%
    Uvalde 30 Year USDA 2025-05-22 6.33%
    Uvalde 30 Year USDA Refi 2025-05-22 6.23%
    Uvalde 30 Year VA 2025-05-22 6.32%
    Uvalde 30 Year VA Refi 2025-05-22 6.52%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    SECURITY SERVICE 11 6.33% $4,951
    QUICKEN LOANS, LLC 10 7.23% $7,069
    UNITED WHOLESALE MORTGAGE, LLC 5 6.50% $6,733
    JPMorgan Chase Bank 4 6.34% $8,010
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 7.16% $8,219
    21ST MORTGAGE CORPORATION 3 8.47% $7,838
    ROYAL UNITED MORTGAGE LLC 2 6.75% $12,071
    CMG MORTGAGE, INC. 1 6.99% $6,932
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.38% $5,448
    First Horizon Bank 1 7.63% $11,091
    FOUNDATION MORTGAGE CORPORATION 1 7.63% $17,051
    Gateway First Bank 1 6.88% $7,160
    GUILD MORTGAGE COMPANY 1 7.63% $4,228
    LOANDEPOT.COM, LLC 1 5.99% $9,016
    Network Funding, L.P. 1 6.99% $7,180
    NMSI, INC. 1 7.00% $9,391
    Plains Commerce Bank 1 7.63% $4,998
    PLAZA HOME MORTGAGE, INC. 1 6.63% $8,010
    PNC Bank 1 7.25% $3,664
    RANDOLPH-BROOKS 1 6.88% $5,163
    Raymond James Bank 1 6.13% $14,418
    SFMC, LP 1 6.62% $3,321
    SWBC MORTGAGE CORPORATION 1 6.50% $4,654
    TOTAL MORTGAGE SERVICES, LLC 1 7.25% $11,557
    TOWNE MORTGAGE COMPANY 1 6.38% $6,261
    Wallick & Volk, Inc. 1 5.88% $6,649
    ALLIANT CREDIT UNION 1 6.88% $5,883
    AmeriHome Mortgage Company, LLC 1 7.50% $7,165
    BAY EQUITY LLC 1 6.50% $7,747
    BOND STREET MORTGAGE, LLC 1 5.99% $3,090
    BROKER SOLUTIONS, INC. 1 6.13% $11,118
    CHURCHILL MORTGAGE CORPORATION 1 6.38% $9,376

    Uvalde Average Closing Costs & Other Stats

    Uvalde, TX's 32 lenders originated 222 loans during 2024. The total origination value was $50,140,000, with an average loan value of $225,856.

    Uvalde's average closing costs are $6,474.

    The top Uvalde lender as defined by loan originations is SECURITY SERVICE, with 11 loans originated. Their average total fees are $4,951, which is $2,118 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Uvalde lenders (with over 10 loans originated) are SECURITY SERVICE ($4,951), QUICKEN LOANS, LLC ($7,069), .

    The lowest rate Uvalde lenders (with over 10 loans originated) are SECURITY SERVICE (6.33%), QUICKEN LOANS, LLC (7.23%), .

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,895,000 $5,245,000 176.8% 10.5%
    SECURITY SERVICE $4,010,000 $4,215,000 5.1% 8.4%
    QUICKEN LOANS, LLC $2,495,000 $3,330,000 33.5% 6.6%
    Mortgage Research Center, LLC $945,000 $3,290,000 248.1% 6.6%
    UNITED WHOLESALE MORTGAGE, LLC $2,460,000 $2,925,000 18.9% 5.8%
    21ST MORTGAGE CORPORATION $1,445,000 $2,640,000 82.7% 5.3%
    PLAZA HOME MORTGAGE, INC. $2,000,000 n/a 4.0%
    TOWNE MORTGAGE COMPANY $1,235,000 $1,675,000 35.6% 3.3%
    JPMorgan Chase Bank $1,775,000 $1,525,000 -14.1% 3.0%
    Raymond James Bank $1,475,000 n/a 2.9%
    Jefferson Bank $1,405,000 n/a 2.8%
    GUILD MORTGAGE COMPANY $1,635,000 $1,015,000 -37.9% 2.0%
    CMG MORTGAGE, INC. $915,000 $960,000 4.9% 1.9%
    BROKER SOLUTIONS, INC. $265,000 $805,000 203.8% 1.6%
    TEMPLE VIEW CAPITAL FUNDING, LP $750,000 n/a 1.5%
    First Horizon Bank $715,000 n/a 1.4%
    The Stephenson National Bank and Trust $605,000 n/a 1.2%
    ALLIANT CREDIT UNION $545,000 n/a 1.1%
    ROYAL UNITED MORTGAGE LLC $530,000 n/a 1.1%
    FOUNDATION MORTGAGE CORPORATION $505,000 n/a 1.0%
    Gateway First Bank $230,000 $485,000 110.9% 1.0%
    USAA Federal Savings Bank $450,000 n/a 0.9%
    PLANET HOME LENDING, LLC $445,000 n/a 0.9%
    First National Bank Texas $410,000 n/a 0.8%
    LAKEVIEW LOAN SERVICING, LLC $405,000 n/a 0.8%
    V.I.P. MORTGAGE, INC. $235,000 $395,000 68.1% 0.8%
    PNC Bank $245,000 $355,000 44.9% 0.7%
    Texas First Bank $355,000 n/a 0.7%
    RANDOLPH-BROOKS $385,000 $350,000 -9.1% 0.7%
    First United Bank and Trust Company $335,000 n/a 0.7%
    Wells Fargo Bank $335,000 n/a 0.7%
    Wallick & Volk, Inc. $820,000 $330,000 -59.8% 0.7%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $325,000 n/a 0.6%
    SFMC, LP $325,000 n/a 0.6%
    American National Bank & Trust $315,000 n/a 0.6%
    Armed Forces Bank $145,000 $295,000 103.4% 0.6%
    BAY EQUITY LLC $295,000 n/a 0.6%
    FREEDOM MORTGAGE CORPORATION $285,000 n/a 0.6%
    OPEN MORTGAGE, LLC $285,000 n/a 0.6%
    DIRECTIONS EQUITY, LLC $275,000 n/a 0.5%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $265,000 n/a 0.5%
    CHURCHILL MORTGAGE CORPORATION $165,000 $255,000 54.5% 0.5%
    Network Funding, L.P. $345,000 $255,000 -26.1% 0.5%
    Plains Commerce Bank $135,000 $255,000 88.9% 0.5%
    SOUTHWEST STAGE FUNDING, LLC $240,000 $255,000 6.3% 0.5%
    PILGRIM MORTGAGE LLC $235,000 n/a 0.5%
    NMSI, INC. $225,000 n/a 0.4%
    AmeriHome Mortgage Company, LLC $215,000 n/a 0.4%
    The First National Bank of Sonora $215,000 n/a 0.4%
    TOTAL MORTGAGE SERVICES, LLC $135,000 $215,000 59.3% 0.4%
    BOND STREET MORTGAGE, LLC $205,000 n/a 0.4%
    SWBC MORTGAGE CORPORATION $365,000 $205,000 -43.8% 0.4%
    VILLAGE CAPITAL MORTGAGE $205,000 n/a 0.4%
    AMERICAN PACIFIC MORTGAGE CORPORATION $215,000 $195,000 -9.3% 0.4%
    BANDERA BANK $195,000 n/a 0.4%
    Alcova Mortgage LLC $185,000 n/a 0.4%
    LOANDEPOT.COM, LLC $175,000 n/a 0.3%
    TRIAD FINANCIAL SERVICES, INC. $405,000 $165,000 -59.3% 0.3%
    LEADERONE FINANCIAL CORPORATION $115,000 n/a 0.2%
    JSC $105,000 n/a 0.2%
    LONGBRIDGE FINANCIAL, LLC $105,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $95,000 n/a 0.2%
    VANDERBILT MORTGAGE AND FINANCE, INC. $95,000 $65,000 -31.6% 0.1%
    International Bank of Commerce $55,000 n/a 0.1%

    Uvalde's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 10.5% market share. In second place, with 8.4%, is SECURITY SERVICE, having originated $4,215,000 in loans. In third place, with 6.6%, is QUICKEN LOANS, LLC, having originated $3,330,000 in loans. In fourth place, with 6.6%, is Mortgage Research Center, LLC, having originated $3,290,000 in loans. In fifth place, with 5.8%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $2,925,000 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 $289,000 (20.8%) $374,398 (18.7%) 0.00 96
    2020-06-01 $316,500 (35.3%) $409,683 (34.3%) 0.00 95
    2020-07-01 $339,000 (45.3%) $440,556 (47.3%) 0.00 79
    2020-08-01 $297,000 (26.7%) $417,724 (35.8%) 0.00 77
    2020-09-01 $295,500 (27.7%) $398,862 (28.9%) 0.00 79
    2020-10-01 $285,000 (24.3%) $403,162 (29.3%) 0.00 85
    2020-11-01 $296,500 (24.1%) $444,577 (40.5%) 0.00 80
    2020-12-01 $288,000 (18.9%) $401,386 (24.9%) 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 (-0.5%) $370,416 (-1.1%) 0.00 39
    2021-06-01 $304,975 (-3.6%) $401,443 (-2.0%) 0.00 31
    2021-07-01 $269,500 (-20.5%) $466,721 (5.9%) 0.00 41
    2021-08-01 $312,000 (5.1%) $483,035 (15.6%) 0.00 41
    2021-09-01 $331,175 (12.1%) $420,596 (5.5%) 0.00 41
    2021-10-01 $295,000 (3.5%) $390,766 (-3.1%) 0.00 32
    2021-11-01 $303,725 (2.4%) $404,914 (-8.9%) 0.00 33
    2021-12-01 $306,200 (6.3%) $397,060 (-1.1%) 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%) $465,374 (8.8%) 0.00 72
    2023-05-01 $283,375 (-17.2%) $436,831 (-9.2%) 0.00 82
    2023-06-01 $283,725 (-7.6%) $405,873 (-13.5%) 0.00 81
    2023-07-01 $314,500 (1.5%) $417,764 (-5.2%) 0.00 81
    2023-08-01 $325,000 (-4.8%) $456,718 (-1.5%) 0.00 89
    2023-09-01 $345,000 (-5.9%) $470,217 (-3.6%) 0.00 92
    2023-10-01 $348,725 (1.0%) $488,556 (-0.4%) 0.00 98
    2023-11-01 $346,000 (3.0%) $477,494 (5.3%) 0.00 98
    2023-12-01 $365,000 (0.0%) $493,276 (4.4%) 0.00 84
    2024-01-01 $357,500 (7.5%) $520,159 (20.6%) 0.00 76
    2024-02-01 $338,500 (3.5%) $509,463 (20.5%) 0.00 81
    2024-03-01 $350,000 (2.7%) $537,243 (17.1%) 0.00 98
    2024-04-01 $399,000 (27.7%) $571,219 (22.7%) 0.00 93
    2024-05-01 $428,750 (51.3%) $606,631 (38.9%) 0.00 98
    2024-06-01 $407,500 (43.6%) $546,337 (34.6%) 0.00 112
    2024-07-01 $394,250 (25.4%) $517,741 (23.9%) 0.00 118
    2024-08-01 $389,250 (19.8%) $540,287 (18.3%) 0.00 122
    2024-09-01 $399,000 (15.7%) $843,041 (79.3%) 0.00 119
    2024-10-01 $399,000 (14.4%) $724,616 (48.3%) 0.00 119
    2024-11-01 $412,450 (19.2%) $604,217 (26.5%) 0.00 122
    2024-12-01 $418,725 (14.7%) $617,173 (25.1%) 0.00 121
    2025-01-01 $397,450 (11.2%) $594,479 (14.3%) 0.00 111
    2025-02-01 $393,250 (16.2%) $562,588 (10.4%) 0.00 116
    2025-03-01 $379,900 (8.5%) $549,188 (2.2%) 0.00 124
    2025-04-01 $395,000 (-1.0%) $542,917 (-5.0%) 0.00 133
    Uvalde's median listing price for 2025-04-01 was $395,000, a difference of $-4,000 (-1.0%) versus the prior year and $15,100 versus the prior month.

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

    Uvalde's average listing price for 2025-04-01 was $542,917, a difference of $-28,302 (-5.0%) versus the prior year and $-6,271 versus the prior month.

    For the 2025-04-01 period, Uvalde had 133 MLS listings, a difference of 9 listings (7%) versus the prior month and 40 listings (43%) 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 2,076 sqft
    2018-06-01 0 days 2,105 sqft
    2018-07-01 0 days 2,127 sqft
    2018-08-01 0 days 2,094 sqft
    2018-09-01 0 days 2,008 sqft
    2018-10-01 0 days 2,046 sqft
    2018-11-01 0 days 1,996 sqft
    2018-12-01 0 days 1,993 sqft
    2019-01-01 0 days 1,950 sqft
    2019-02-01 0 days 2,001 sqft
    2019-03-01 0 days 2,036 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 2,008 sqft
    2019-09-01 0 days 2,021 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 2,301 sqft
    2020-06-01 0 days 2,293 sqft
    2020-07-01 0 days 2,448 sqft
    2020-08-01 0 days 2,316 sqft
    2020-09-01 0 days 2,171 sqft
    2020-10-01 0 days 2,156 sqft
    2020-11-01 0 days 2,263 sqft
    2020-12-01 0 days 2,335 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 1,788 sqft
    2023-06-01 0 days 1,760 sqft
    2023-07-01 0 days 1,756 sqft
    2023-08-01 0 days 1,784 sqft
    2023-09-01 0 days 1,858 sqft
    2023-10-01 0 days 1,852 sqft
    2023-11-01 0 days 1,850 sqft
    2023-12-01 0 days 1,927 sqft
    2024-01-01 0 days 2,054 sqft
    2024-02-01 0 days 1,859 sqft
    2024-03-01 0 days 1,923 sqft
    2024-04-01 0 days 1,929 sqft
    2024-05-01 0 days 1,939 sqft
    2024-06-01 0 days 1,940 sqft
    2024-07-01 0 days 1,805 sqft
    2024-08-01 0 days 1,806 sqft
    2024-09-01 0 days 1,908 sqft
    2024-10-01 0 days 1,939 sqft
    2024-11-01 0 days 1,942 sqft
    2024-12-01 0 days 1,949 sqft
    2025-01-01 0 days 1,931 sqft
    2025-02-01 0 days 1,932 sqft
    2025-03-01 0 days 1,923 sqft
    2025-04-01 0 days 1,944 sqft
    Uvalde's median listing age (time on market) for 2025-04-01 was 0 days.

    Uvalde's median square footage for active listings during the 2025-04-01 period was 1,944 sqft. One year prior, the average listing was 1,929 sqft.

    Uvalde, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 168 $39,140,000 $232,976
    Cash Out Refi 22 $5,010,000 $227,727
    Refi 19 $4,825,000 $253,947
    Other 11 $1,065,000 $96,818
    Home Improvement 2 $100,000 $50,000

    Uvalde's most frequently cited loan purpose was Home Purchase, with 168 originations. The 2nd most popular reason was Cash Out Refi, with 22 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 88 $21,550,000 $244,886
    7-8% 46 $11,390,000 $247,609
    5-6% 39 $9,505,000 $243,718
    Over 8% 28 $4,650,000 $166,071
    <2.5% 5 $35,000 $7,000
    4-5% 1 $145,000 $145,000

    During 2024, Uvalde's most frequently originated rate bucket was 6-7%, with 88 originations.

    Loan Sizing (Uvalde, TX MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 88 $23,710,000 $269,432
    $100k-200k 86 $12,820,000 $149,070
    $100,000 or less 28 $1,470,000 $52,500
    $400k-600k 14 $6,640,000 $474,286
    $600k-1000k 4 $2,620,000 $655,000
    $Over $1MM 2 $2,880,000 $1,440,000

    Uvalde's loan sizing saw the bucket of loans from $200k-400k with 88 originations, totaling $23,710,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 126 $27,480,000 $218,095
    60-80% 31 $10,545,000 $340,161
    40-60% 19 $4,745,000 $249,737
    20-40% 11 $1,425,000 $129,545
    Under 20% 10 $280,000 $28,000
    Over 100% 6 $1,510,000 $251,667

    Uvalde's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 126 originations, totaling $27,480,000 in origination value.