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 6.61% 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 6.74% and one month ago for the week of 2025-05-15, the average rate was 7.01%.

Uvalde's average rate one year ago was 6.85%.

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%
Uvalde 30 Year Fixed Rate 2025-06-18 6.61%
Uvalde 30 Year Fixed Rate Refi 2025-06-18 6.91%
Uvalde 15 Year Fixed Rate 2025-06-18 5.96%
Uvalde 15 Year Fixed Rate Refi 2025-06-18 6.46%
Uvalde 30 Year FHA 2025-06-18 0%
Uvalde 30 Year FHA Refi 2025-06-18 0.1%
Uvalde 30 Year USDA 2025-06-18 -0.2%
Uvalde 30 Year USDA Refi 2025-06-18 -0.2%
Uvalde 30 Year VA 2025-06-18 -0.2%
Uvalde 30 Year VA Refi 2025-06-18 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 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, 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.