Zapata 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 Zapata averaged 6.52% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.74% and one month ago for the week of 2025-03-06, the average rate was 6.63%.

    Zapata's average rate one year ago was 7.02%.

    For refis of the same type during the week of 2025-04-10, the average rate was 7.12%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Zapata 30 Year Fixed Rate 2025-04-10 6.52%
    Zapata 30 Year Fixed Rate Refi 2025-04-10 7.12%
    Zapata 15 Year Fixed Rate 2025-04-10 5.82%
    Zapata 15 Year Fixed Rate Refi 2025-04-10 6.52%
    Zapata 30 Year FHA 2025-04-10 6.53%
    Zapata 30 Year FHA Refi 2025-04-10 6.33%
    Zapata 30 Year USDA 2025-04-10 6.25%
    Zapata 30 Year USDA Refi 2025-04-10 6.45%
    Zapata 30 Year VA 2025-04-10 6.19%
    Zapata 30 Year VA Refi 2025-04-10 6.39%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Zapata, TX.

    Zapata 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 Zapata, 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
    JPMorgan Chase Bank 2 6.94% $8,937
    QUICKEN LOANS, LLC 2 7.50% $5,682
    Flagstar Bank, FSB 1 6.63% $14,177
    Gateway First Bank 1 6.88% $5,269
    INTERLINC MORTGAGE SERVICES, LLC 1 6.88% $9,093
    International Bank of Commerce 1 7.00% $6,069
    SECURITY SERVICE 1 6.38% $6,995
    CARDINAL FINANCIAL 1 6.50% $4,684
    UNITED WHOLESALE MORTGAGE, LLC 1 7.00% $6,933
    First Option Mortgage, LLC 1 6.50% $8,516

    Zapata Average Closing Costs & Other Stats

    Zapata, TX's 10 lenders originated 74 loans during 2024. The total origination value was $10,110,000, with an average loan value of $136,622.

    Zapata's average closing costs are $6,805.

    The top Zapata lender as defined by loan originations is JPMorgan Chase Bank, with 2 loans originated. Their average total fees are $8,937, which is $3,255 higher than the next largest lender, QUICKEN LOANS, LLC.

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

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

    Zapata, 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
    Gateway First Bank $2,005,000 $2,555,000 27.4% 25.3%
    UNITED WHOLESALE MORTGAGE, LLC $1,655,000 n/a 16.4%
    21ST MORTGAGE CORPORATION $740,000 $950,000 28.4% 9.4%
    QUICKEN LOANS, LLC $175,000 $805,000 360.0% 8.0%
    JPMorgan Chase Bank $400,000 $490,000 22.5% 4.8%
    Flagstar Bank, FSB $440,000 n/a 4.4%
    Equity Prime Mortgage LLC $390,000 n/a 3.9%
    TRIAD FINANCIAL SERVICES, INC. $240,000 $375,000 56.3% 3.7%
    CORNERSTONE HOME LENDING, INC. $325,000 n/a 3.2%
    SECURITY SERVICE $125,000 $325,000 160.0% 3.2%
    International Bank of Commerce $535,000 $290,000 -45.8% 2.9%
    PNC Bank $270,000 n/a 2.7%
    LEADERONE FINANCIAL CORPORATION $1,345,000 $265,000 -80.3% 2.6%
    CMG MORTGAGE, INC. $235,000 n/a 2.3%
    AmeriHome Mortgage Company, LLC $185,000 n/a 1.8%
    First Option Mortgage, LLC $1,235,000 $165,000 -86.6% 1.6%
    INTERLINC MORTGAGE SERVICES, LLC $115,000 n/a 1.1%
    CARDINAL FINANCIAL $105,000 n/a 1.0%
    FirstBank $180,000 $75,000 -58.3% 0.7%

    Zapata's top lender by overall market share is Gateway First Bank, with 25.3% market share. In second place, with 16.4%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $1,655,000 in loans. In third place, with 9.4%, is 21ST MORTGAGE CORPORATION, having originated $950,000 in loans. In fourth place, with 8.0%, is QUICKEN LOANS, LLC, having originated $805,000 in loans. In fifth place, with 4.8%, is JPMorgan Chase Bank, having originated $490,000 in loans.

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

    Realtor.com - Zapata (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 $122,300 (-3.3%) $127,544 (-7.1%) 0.00 47
    2018-02-01 $121,225 (-3.6%) $128,110 (-3.7%) 0.00 51
    2018-03-01 $124,950 (-2.7%) $131,573 (-3.2%) 0.00 49
    2018-04-01 $120,000 (-9.1%) $135,461 (-1.1%) 0.00 52
    2018-05-01 $120,000 (-9.1%) $135,816 (0.3%) 0.00 54
    2018-06-01 $120,000 (-8.0%) $127,055 (-6.8%) 0.00 49
    2018-07-01 $120,000 (-7.0%) $121,922 (-1.6%) 0.00 44
    2018-08-01 $124,975 (-4.2%) $126,138 (-11.3%) 0.00 45
    2018-09-01 $125,000 (-1.5%) $126,828 (-9.2%) 0.00 46
    2018-10-01 $122,500 (-2.7%) $125,618 (-11.0%) 0.00 49
    2018-11-01 $120,000 (-4.0%) $122,888 (-9.9%) 0.00 48
    2018-12-01 $117,500 (-3.9%) $122,033 (-6.0%) 0.00 46
    2019-01-01 $115,000 (-6.0%) $120,306 (-5.7%) 0.00 45
    2019-02-01 $117,750 (-2.9%) $120,742 (-5.8%) 0.00 43
    2019-03-01 $119,143 (-4.7%) $125,539 (-4.6%) 0.00 42
    2019-04-01 $121,250 (1.0%) $132,678 (-2.1%) 0.00 40
    2019-05-01 $118,750 (-1.0%) $131,733 (-3.0%) 0.00 39
    2019-06-01 $115,000 (-4.2%) $129,613 (2.0%) 0.00 42
    2019-07-01 $118,250 (-1.5%) $130,296 (6.9%) 0.00 44
    2019-08-01 $120,636 (-3.5%) $132,026 (4.7%) 0.00 43
    2019-09-01 $123,091 (-1.5%) $136,488 (7.6%) 0.00 41
    2019-10-01 $121,727 (-0.6%) $138,202 (10.0%) 0.00 41
    2019-11-01 $120,000 (0.0%) $150,699 (22.6%) 0.00 40
    2019-12-01 $125,000 (6.4%) $151,572 (24.2%) 0.00 41
    2020-01-01 $122,500 (6.5%) $148,392 (23.4%) 0.00 42
    2020-02-01 $125,000 (6.2%) $147,406 (22.1%) 0.00 36
    2020-03-01 $135,250 (13.5%) $159,348 (26.9%) 0.00 30
    2020-04-01 $135,250 (11.6%) $163,657 (23.4%) 0.00 28
    2020-05-01 $129,000 (8.6%) $168,573 (28.0%) 0.00 23
    2020-06-01 $124,500 (8.3%) $167,839 (29.5%) 0.00 18
    2020-07-01 $138,000 (16.7%) $174,532 (34.0%) 0.00 18
    2020-08-01 $163,450 (35.5%) $180,445 (36.7%) 0.00 17
    2020-09-01 $135,000 (9.7%) $147,220 (7.9%) 0.00 22
    2020-10-01 $141,250 (16.0%) $149,765 (8.4%) 0.00 23
    2020-11-01 $152,500 (27.1%) $154,950 (2.8%) 0.00 22
    2020-12-01 $131,250 (5.0%) $145,114 (-4.3%) 0.00 24
    2021-01-01 $130,000 (6.1%) $147,206 (-0.8%) 0.00 22
    2021-02-01 $159,900 (27.9%) $157,097 (6.6%) 0.00 19
    2021-03-01 $159,900 (18.2%) $156,939 (-1.5%) 0.00 20
    2021-04-01 $159,425 (17.9%) $172,032 (5.1%) 0.00 21
    2021-05-01 $120,000 (-7.0%) $176,079 (4.5%) 0.00 17
    2021-06-01 $122,500 (-1.6%) $174,709 (4.1%) 0.00 16
    2021-07-01 $125,000 (-9.4%) $177,049 (1.4%) 0.00 17
    2021-08-01 $146,450 (-10.4%) $178,863 (-0.9%) 0.00 14
    2021-09-01 $120,675 (-10.6%) $156,456 (6.3%) 0.00 13
    2021-10-01 $121,450 (-14.0%) $145,557 (-2.8%) 0.00 14
    2021-11-01 $126,000 (-17.4%) $153,279 (-1.1%) 0.00 14
    2021-12-01 $130,000 (-1.0%) $159,835 (10.1%) 0.00 18
    2022-01-01 $140,000 (7.7%) $184,376 (25.3%) 0.00 18
    2022-02-01 $148,500 (-7.1%) $209,587 (33.4%) 0.00 23
    2022-03-01 $149,000 (-6.8%) $212,275 (35.3%) 0.00 24
    2022-04-01 $149,000 (-6.5%) $223,525 (29.9%) 0.00 24
    2022-05-01 $172,500 (43.8%) $230,589 (31.0%) 0.00 18
    2022-06-01 $176,250 (43.9%) $221,774 (26.9%) 0.00 23
    2022-07-01 $180,000 (44.0%) $204,395 (15.5%) 0.00 21
    2022-08-01 $183,375 (25.2%) $217,252 (21.5%) 0.00 22
    2022-09-01 $171,750 (42.3%) $206,908 (32.3%) 0.00 25
    2022-10-01 $165,500 (36.3%) $198,312 (36.2%) 0.00 26
    2022-11-01 $167,750 (33.1%) $191,809 (25.1%) 0.00 26
    2022-12-01 $179,000 (37.7%) $197,217 (23.4%) 0.00 22
    2023-01-01 $175,375 (25.3%) $193,446 (4.9%) 0.00 26
    2023-02-01 $166,750 (12.3%) $182,883 (-12.7%) 0.00 22
    2023-03-01 $153,000 (2.7%) $180,984 (-14.7%) 0.00 20
    2023-04-01 $153,000 (2.7%) $184,841 (-17.3%) 0.00 23
    2023-05-01 $157,125 (-8.9%) $192,510 (-16.5%) 0.00 20
    2023-06-01 $159,250 (-9.7%) $195,614 (-11.8%) 0.00 21
    2023-07-01 $158,000 (-12.2%) $200,117 (-2.1%) 0.00 27
    2023-08-01 $153,000 (-16.6%) $190,910 (-12.1%) 0.00 30
    2023-09-01 $155,500 (-9.5%) $199,535 (-3.6%) 0.00 26
    2023-10-01 $138,000 (-16.6%) $187,988 (-5.2%) 0.00 24
    2023-11-01 $153,000 (-8.8%) $178,008 (-7.2%) 0.00 31
    2023-12-01 $155,500 (-13.1%) $176,481 (-10.5%) 0.00 32
    2024-01-01 $167,500 (-4.5%) $180,937 (-6.5%) 0.00 32
    2024-02-01 $166,225 (-0.3%) $183,114 (0.1%) 0.00 32
    2024-03-01 $158,000 (3.3%) $173,449 (-4.2%) 0.00 30
    2024-04-01 $158,000 (3.3%) $174,095 (-5.8%) 0.00 29
    2024-05-01 $172,500 (9.8%) $192,513 (0.0%) 0.00 30
    2024-06-01 $155,500 (-2.4%) $184,833 (-5.5%) 0.00 34
    2024-07-01 $153,000 (-3.2%) $185,433 (-7.3%) 0.00 35
    2024-08-01 $158,000 (3.3%) $173,679 (-9.0%) 0.00 33
    2024-09-01 $158,000 (1.6%) $173,552 (-13.0%) 0.00 32
    2024-10-01 $144,500 (4.7%) $160,723 (-14.5%) 0.00 34
    2024-11-01 $137,500 (-10.1%) $159,842 (-10.2%) 0.00 34
    2024-12-01 $149,000 (-4.2%) $167,936 (-4.8%) 0.00 30
    2025-01-01 $158,000 (-5.7%) $194,234 (7.4%) 0.00 27
    2025-02-01 $158,000 (-5.0%) $188,930 (3.2%) 0.00 31
    2025-03-01 $158,000 (0.0%) $186,706 (7.6%) 0.00 30
    Zapata's median listing price for 2025-03-01 was $158,000, a difference of $0 (0.0%) versus the prior year and $0 versus the prior month.

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

    Zapata's average listing price for 2025-03-01 was $186,706, a difference of $13,257 (7.6%) versus the prior year and $-2,224 versus the prior month.

    For the 2025-03-01 period, Zapata had 30 MLS listings, a difference of -1 listings (-3%) versus the prior month and 0 listings (0%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Zapata (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,569 sqft
    2018-02-01 0 days 1,550 sqft
    2018-03-01 0 days 1,515 sqft
    2018-04-01 0 days 1,443 sqft
    2018-05-01 0 days 1,442 sqft
    2018-06-01 0 days 1,443 sqft
    2018-07-01 0 days 1,573 sqft
    2018-08-01 0 days 1,731 sqft
    2018-09-01 0 days 1,731 sqft
    2018-10-01 0 days 1,741 sqft
    2018-11-01 0 days 1,709 sqft
    2018-12-01 0 days 1,661 sqft
    2019-01-01 0 days 1,612 sqft
    2019-02-01 0 days 1,414 sqft
    2019-03-01 0 days 1,448 sqft
    2019-04-01 0 days 1,538 sqft
    2019-05-01 0 days 1,634 sqft
    2019-06-01 0 days 1,656 sqft
    2019-07-01 0 days 1,656 sqft
    2019-08-01 0 days 1,648 sqft
    2019-09-01 0 days 1,636 sqft
    2019-10-01 0 days 1,607 sqft
    2019-11-01 0 days 1,586 sqft
    2019-12-01 0 days 1,555 sqft
    2020-01-01 0 days 1,570 sqft
    2020-02-01 0 days 1,648 sqft
    2020-03-01 0 days 1,709 sqft
    2020-04-01 0 days 1,774 sqft
    2020-05-01 0 days 1,798 sqft
    2020-06-01 0 days 1,800 sqft
    2020-07-01 0 days 1,800 sqft
    2020-08-01 0 days 1,844 sqft
    2020-09-01 0 days 1,592 sqft
    2020-10-01 0 days 1,586 sqft
    2020-11-01 0 days 1,678 sqft
    2020-12-01 0 days 1,562 sqft
    2021-01-01 0 days 1,643 sqft
    2021-02-01 0 days 1,796 sqft
    2021-03-01 0 days 1,796 sqft
    2021-04-01 0 days 1,803 sqft
    2021-05-01 0 days 1,790 sqft
    2021-06-01 0 days 1,768 sqft
    2021-07-01 0 days 1,725 sqft
    2021-08-01 0 days 1,701 sqft
    2021-09-01 0 days 1,320 sqft
    2021-10-01 0 days 1,240 sqft
    2021-11-01 0 days 1,240 sqft
    2021-12-01 0 days 1,421 sqft
    2022-01-01 0 days 1,709 sqft
    2022-02-01 0 days 1,747 sqft
    2022-03-01 0 days 1,701 sqft
    2022-04-01 0 days 1,692 sqft
    2022-05-01 0 days 1,752 sqft
    2022-06-01 0 days 1,709 sqft
    2022-07-01 0 days 1,678 sqft
    2022-08-01 0 days 1,664 sqft
    2022-09-01 0 days 1,664 sqft
    2022-10-01 0 days 1,648 sqft
    2022-11-01 0 days 1,655 sqft
    2022-12-01 0 days 1,676 sqft
    2023-01-01 0 days 1,654 sqft
    2023-02-01 0 days 1,640 sqft
    2023-03-01 0 days 1,488 sqft
    2023-04-01 0 days 1,367 sqft
    2023-05-01 0 days 1,511 sqft
    2023-06-01 0 days 1,536 sqft
    2023-07-01 0 days 1,638 sqft
    2023-08-01 0 days 1,632 sqft
    2023-09-01 0 days 1,665 sqft
    2023-10-01 0 days 1,691 sqft
    2023-11-01 0 days 1,634 sqft
    2023-12-01 0 days 1,632 sqft
    2024-01-01 0 days 1,634 sqft
    2024-02-01 0 days 1,634 sqft
    2024-03-01 0 days 1,448 sqft
    2024-04-01 0 days 1,638 sqft
    2024-05-01 0 days 1,692 sqft
    2024-06-01 0 days 1,691 sqft
    2024-07-01 0 days 1,691 sqft
    2024-08-01 0 days 1,562 sqft
    2024-09-01 0 days 1,562 sqft
    2024-10-01 0 days 1,559 sqft
    2024-11-01 0 days 1,556 sqft
    2024-12-01 0 days 1,571 sqft
    2025-01-01 0 days 1,571 sqft
    2025-02-01 0 days 1,569 sqft
    2025-03-01 0 days 1,605 sqft
    Zapata's median listing age (time on market) for 2025-03-01 was 0 days.

    Zapata's median square footage for active listings during the 2025-03-01 period was 1,605 sqft. One year prior, the average listing was 1,448 sqft.

    Zapata, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 59 $7,105,000 $120,424
    Cash Out Refi 7 $1,525,000 $217,857
    Refi 6 $1,280,000 $213,333
    Other 2 $200,000 $100,000

    Zapata's most frequently cited loan purpose was Home Purchase, with 59 originations. The 2nd most popular reason was Cash Out Refi, with 7 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 27 $4,415,000 $163,519
    Over 8% 16 $1,670,000 $104,375
    7-8% 11 $1,745,000 $158,636
    <2.5% 10 $50,000 $5,000
    5-6% 8 $1,870,000 $233,750
    4-5% 1 $265,000 $265,000

    During 2024, Zapata's most frequently originated rate bucket was 6-7%, with 27 originations.

    Loan Sizing (Zapata, TX MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 31 $4,215,000 $135,968
    $100,000 or less 27 $1,465,000 $54,259
    $200k-400k 15 $4,025,000 $268,333
    $400k-600k 1 $405,000 $405,000

    Zapata's loan sizing saw the bucket of loans from $100k-200k with 31 originations, totaling $4,215,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 48 $7,760,000 $161,667
    60-80% 11 $1,675,000 $152,273
    Under 20% 10 $50,000 $5,000
    40-60% 3 $455,000 $151,667
    20-40% 1 $75,000 $75,000

    Zapata's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 48 originations, totaling $7,760,000 in origination value.