Uvalde Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Uvalde averaged
6.47%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.57% and
one month ago for the week of 2025-05-29, the
average rate was 6.89%.
Uvalde's average rate one year ago was 6.96%.
For refis of the same type during the week of 2025-07-03, the average rate
was 7.07%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Uvalde 30 Year Fixed Rate | 2025-07-03 | 6.47% |
| Uvalde 30 Year Fixed Rate Refi | 2025-07-03 | 7.07% |
| Uvalde 15 Year Fixed Rate | 2025-07-03 | 5.6% |
| Uvalde 15 Year Fixed Rate Refi | 2025-07-03 | 6.4% |
| Uvalde 30 Year FHA | 2025-07-03 | 0.1% |
| Uvalde 30 Year FHA Refi | 2025-07-03 | -0.2% |
| Uvalde 30 Year USDA | 2025-07-03 | -0.2% |
| Uvalde 30 Year USDA Refi | 2025-07-03 | 0% |
| Uvalde 30 Year VA | 2025-07-03 | 0.1% |
| Uvalde 30 Year VA Refi | 2025-07-03 | -0.2% |
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.).
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, 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.