Top Mortgage Lenders in Kerrville, TX

Which mortgage lender in the Kerrville, TX area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Kerrville, TX area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Kerrville, TX area is Citizens Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.10%. This means that Citizens Bank provided a -0.10% lower interest rate for its customers than other lenders in Kerrville, TX for a similar set of borrowers. Citizens Bank has a market share of 16.8%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 22.0%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.08% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for the Kerrville, TX area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Kerrville, TX is Citizens Bank. If you want to take out a loan that is above conforming limits (for example, above $510,400 in 2020), the cheapest Jumbo mortgage provider is JPMorgan Chase Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Citizens Bank. The cheapest VA mortgage provider is also Citizens Bank. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Kerrville, TX

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.10% 16.83%
Cornerstone Home Lending, Inc 2, -0.04% 12.87%
JPMorgan Chase Bank 3, -0.02% 14.11%
Randolph Brooks Federal Credit Union 4, -0.00% 8.17%
Caliber Home Loans Inc 5, 0.01% 9.41%
SWBC Mortgage Corporation 6, 0.04% 16.58%
Quicken Loans 7, 0.08% 22.03%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.09% 26.10%
Cornerstone Home Lending, Inc 2, -0.02% 11.24%
JPMorgan Chase Bank 3, 0.01% 10.44%
Randolph Brooks Federal Credit Union 4, 0.01% 3.61%
Caliber Home Loans Inc 5, 0.01% 12.85%
SWBC Mortgage Corporation 6, 0.05% 21.69%
Quicken Loans 7, 0.09% 14.06%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cornerstone Home Lending, Inc 1, -0.06% 15.48%
JPMorgan Chase Bank 2, -0.05% 20.00%
Randolph Brooks Federal Credit Union 3, -0.02% 15.48%
SWBC Mortgage Corporation 4, 0.01% 8.39%
Citizens Bank 5, 0.01% 1.94%
Caliber Home Loans Inc 6, 0.02% 3.87%
Quicken Loans 7, 0.06% 34.84%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.13% 13.74%
Cornerstone Home Lending, Inc 2, -0.05% 15.02%
JPMorgan Chase Bank 3, -0.02% 17.57%
Randolph Brooks Federal Credit Union 4, -0.01% 9.90%
Caliber Home Loans Inc 5, 0.02% 5.11%
SWBC Mortgage Corporation 6, 0.05% 13.10%
Quicken Loans 7, 0.09% 25.56%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.12% 25.00%
Cornerstone Home Lending, Inc 2, -0.03% 14.29%
Randolph Brooks Federal Credit Union 3, 0.01% 4.17%
JPMorgan Chase Bank 4, 0.01% 14.29%
Caliber Home Loans Inc 5, 0.03% 6.55%
SWBC Mortgage Corporation 6, 0.07% 20.24%
Quicken Loans 7, 0.12% 15.48%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cornerstone Home Lending, Inc 1, -0.07% 15.86%
JPMorgan Chase Bank 2, -0.05% 21.38%
Randolph Brooks Federal Credit Union 3, -0.02% 16.55%
Citizens Bank 4, -0.00% 0.69%
SWBC Mortgage Corporation 5, -0.00% 4.83%
Caliber Home Loans Inc 6, 0.02% 3.45%
Quicken Loans 7, 0.06% 37.24%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.06% 27.66%
Caliber Home Loans Inc 2, 0.01% 21.28%
Quicken Loans 3, 0.03% 14.89%
SWBC Mortgage Corporation 4, 0.03% 36.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.06% 28.89%
Caliber Home Loans Inc 2, 0.01% 22.22%
Quicken Loans 3, 0.03% 15.56%
SWBC Mortgage Corporation 4, 0.03% 33.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SWBC Mortgage Corporation 1, 0.00% 100.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
JPMorgan Chase Bank 1, -0.00% 28.57%
SWBC Mortgage Corporation 2, -0.00% 14.29%
Randolph Brooks Federal Credit Union 3, -0.00% 28.57%
Cornerstone Home Lending, Inc 4, 0.00% 14.29%
Caliber Home Loans Inc 5, 0.02% 14.29%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
JPMorgan Chase Bank 1, -0.00% 40.00%
Randolph Brooks Federal Credit Union 2, -0.00% 40.00%
Caliber Home Loans Inc 3, 0.01% 20.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
SWBC Mortgage Corporation 1, -0.00% 50.00%
Cornerstone Home Lending, Inc 2, 0.00% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.01% 32.43%
Caliber Home Loans Inc 2, -0.01% 29.73%
Cornerstone Home Lending, Inc 3, -0.01% 10.81%
SWBC Mortgage Corporation 4, 0.02% 21.62%
Quicken Loans 5, 0.03% 5.41%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Citizens Bank 1, -0.01% 32.26%
Caliber Home Loans Inc 2, -0.01% 32.26%
Cornerstone Home Lending, Inc 3, -0.00% 12.90%
SWBC Mortgage Corporation 4, 0.03% 16.13%
Quicken Loans 5, 0.03% 6.45%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Caliber Home Loans Inc 1, -0.01% 16.67%
Citizens Bank 2, 0.00% 33.33%
SWBC Mortgage Corporation 3, 0.00% 50.00%

* Data is compiled for the Kerrville, TX commuting zone area, which comprises of counties of Gillespie County, TX, Kerr County, TX, and Kimble County, TX. This includes cities/towns/communities of Kerrville, TX as well as Fredericksburg, TX, Ingram, TX, Harper, TX, Stonewall, TX, and Junction, TX. Lenders must have made at least 30 loans in the area to be included. Source for the data comes from Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate based on the MSA, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings for Other Cities

This page ranks the top mortgage lenders in the Kerrville, TX area. For mortgage lender rankings of other cities, click here.