El Campo VA Loan Rates, Closing Costs & Stats
El Campo, TX
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.
For additional benefits of VA loans, click here.
El Campo's 13 lenders originated 14 VA loans during 2023. The total origination value was $4,460,000, with an average VA loan value of $318,571.
El Campo VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in El Campo
averaged
6.51%
for the week of 2024-12-13, compared to the national average (all VA variants) of
6.077% for the same period.
El Campo's average VA mortgage closing costs are $6,243.
The average rate for the prior week (2024-12-06) was
6.45% and
one month ago for the week of 2024-11-08, the
average rate was 6.54%.
The average rate one year ago was 6.89%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.18%.
El Campo VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the El Campo level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|---|---|---|
UNITED WHOLESALE MORTGAGE, LLC | 2 | 5.74% | $10,562 |
AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | 5.63% | $1,962 |
CMG MORTGAGE, INC. | 1 | 6.25% | $5,304 |
CROSSCOUNTRY MORTGAGE, LLC | 1 | 7.25% | $24,176 |
EVERETT FINANCIAL, INC. | 1 | 7.38% | $3,891 |
Gateway First Bank | 1 | 6.75% | $16,267 |
INTERLINC MORTGAGE SERVICES, LLC | 1 | 6.39% | $8,306 |
Magnolia Bank | 1 | 5.75% | $5,910 |
Mortgage Research Center, LLC | 1 | 8.13% | $2,946 |
PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | 7.25% | $8,686 |
QUICKEN LOANS, LLC | 1 | 7.25% | $3,599 |
AMCAP MORTGAGE, LTD. | 1 | 6.75% | $23,793 |
USAA Federal Savings Bank | 1 | 6.50% | $5,932 |
The top El Campo VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
2 VA loans originated. Their average total fees are
$10,562, which is $8,600
higher than the next largest lender,
AMERICAN PACIFIC MORTGAGE CORPORATION.
The lowest fee El Campo VA lenders (with over 10 loans originated) are
.
The lowest rate El Campo VA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - El Campo (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $183,500 (7.6%) | $204,283 (8.5%) | 0.00 | 111 |
2018-02-01 | $189,000 (8.0%) | $217,507 (14.6%) | 0.00 | 104 |
2018-03-01 | $183,500 (-2.4%) | $216,244 (8.2%) | 0.00 | 107 |
2018-04-01 | $193,500 (-0.8%) | $223,029 (4.7%) | 0.00 | 119 |
2018-05-01 | $195,950 (0.1%) | $231,238 (8.2%) | 0.00 | 122 |
2018-06-01 | $198,800 (-4.2%) | $234,755 (3.6%) | 0.00 | 132 |
2018-07-01 | $209,500 (5.1%) | $238,921 (7.2%) | 0.00 | 127 |
2018-08-01 | $202,000 (3.6%) | $238,447 (8.4%) | 0.00 | 136 |
2018-09-01 | $189,000 (-3.1%) | $221,707 (2.1%) | 0.00 | 136 |
2018-10-01 | $174,313 (-9.4%) | $210,479 (1.5%) | 0.00 | 138 |
2018-11-01 | $188,000 (-2.8%) | $209,948 (2.3%) | 0.00 | 136 |
2018-12-01 | $187,000 (3.9%) | $214,719 (6.6%) | 0.00 | 134 |
2019-01-01 | $189,375 (3.2%) | $219,080 (7.2%) | 0.00 | 124 |
2019-02-01 | $181,250 (-4.1%) | $216,762 (-0.3%) | 0.00 | 136 |
2019-03-01 | $189,214 (3.1%) | $225,621 (4.3%) | 0.00 | 131 |
2019-04-01 | $192,250 (-0.7%) | $230,711 (3.4%) | 0.00 | 124 |
2019-05-01 | $192,250 (-1.9%) | $234,595 (1.5%) | 0.00 | 119 |
2019-06-01 | $189,000 (-4.9%) | $235,021 (0.1%) | 0.00 | 120 |
2019-07-01 | $190,675 (-9.0%) | $231,142 (-3.3%) | 0.00 | 133 |
2019-08-01 | $189,723 (-6.1%) | $228,310 (-4.3%) | 0.00 | 134 |
2019-09-01 | $189,457 (0.2%) | $223,712 (0.9%) | 0.00 | 130 |
2019-10-01 | $190,780 (9.5%) | $219,375 (4.2%) | 0.00 | 132 |
2019-11-01 | $184,900 (-1.7%) | $215,056 (2.4%) | 0.00 | 136 |
2019-12-01 | $184,950 (-1.1%) | $222,350 (3.6%) | 0.00 | 126 |
2020-01-01 | $180,000 (-5.0%) | $211,815 (-3.3%) | 0.00 | 117 |
2020-02-01 | $198,500 (9.5%) | $232,065 (7.1%) | 0.00 | 126 |
2020-03-01 | $191,223 (1.1%) | $229,447 (1.7%) | 0.00 | 132 |
2020-04-01 | $187,500 (-2.5%) | $221,328 (-4.1%) | 0.00 | 129 |
2020-05-01 | $195,000 (1.4%) | $230,598 (-1.7%) | 0.00 | 130 |
2020-06-01 | $201,850 (6.8%) | $230,040 (-2.1%) | 0.00 | 133 |
2020-07-01 | $188,998 (-0.9%) | $221,253 (-4.3%) | 0.00 | 119 |
2020-08-01 | $193,000 (1.7%) | $233,010 (2.1%) | 0.00 | 116 |
2020-09-01 | $188,637 (-0.4%) | $231,770 (3.6%) | 0.00 | 116 |
2020-10-01 | $185,000 (-3.0%) | $224,204 (2.2%) | 0.00 | 111 |
2020-11-01 | $179,419 (-3.0%) | $222,770 (3.6%) | 0.00 | 98 |
2020-12-01 | $179,225 (-3.1%) | $216,674 (-2.6%) | 0.00 | 90 |
2021-01-01 | $188,955 (5.0%) | $220,000 (3.9%) | 0.00 | 92 |
2021-02-01 | $199,000 (0.3%) | $238,204 (2.7%) | 0.00 | 100 |
2021-03-01 | $199,975 (4.6%) | $241,393 (5.2%) | 0.00 | 90 |
2021-04-01 | $221,200 (18.0%) | $245,255 (10.8%) | 0.00 | 79 |
2021-05-01 | $219,900 (12.8%) | $244,366 (6.0%) | 0.00 | 76 |
2021-06-01 | $191,975 (-4.9%) | $244,842 (6.4%) | 0.00 | 72 |
2021-07-01 | $190,000 (0.5%) | $233,426 (5.5%) | 0.00 | 82 |
2021-08-01 | $232,500 (20.5%) | $255,252 (9.6%) | 0.00 | 91 |
2021-09-01 | $256,975 (36.2%) | $275,571 (18.9%) | 0.00 | 94 |
2021-10-01 | $243,125 (31.4%) | $257,728 (15.0%) | 0.00 | 99 |
2021-11-01 | $226,000 (26.0%) | $253,342 (13.7%) | 0.00 | 102 |
2021-12-01 | $228,375 (27.4%) | $269,800 (24.5%) | 0.00 | 98 |
2022-01-01 | $220,000 (16.4%) | $261,602 (18.9%) | 0.00 | 98 |
2022-02-01 | $215,000 (8.0%) | $265,222 (11.3%) | 0.00 | 103 |
2022-03-01 | $217,250 (8.6%) | $268,295 (11.1%) | 0.00 | 108 |
2022-04-01 | $214,999 (-2.8%) | $255,850 (4.3%) | 0.00 | 107 |
2022-05-01 | $229,950 (4.6%) | $257,660 (5.4%) | 0.00 | 101 |
2022-06-01 | $259,225 (35.0%) | $262,491 (7.2%) | 0.00 | 102 |
2022-07-01 | $254,999 (34.2%) | $267,494 (14.6%) | 0.00 | 117 |
2022-08-01 | $246,000 (5.8%) | $271,925 (6.5%) | 0.00 | 126 |
2022-09-01 | $240,000 (-6.6%) | $268,305 (-2.6%) | 0.00 | 122 |
2022-10-01 | $245,000 (0.8%) | $264,196 (2.5%) | 0.00 | 127 |
2022-11-01 | $251,250 (11.2%) | $264,389 (4.4%) | 0.00 | 136 |
2022-12-01 | $262,000 (14.7%) | $266,354 (-1.3%) | 0.00 | 126 |
2023-01-01 | $257,925 (17.2%) | $262,417 (0.3%) | 0.00 | 125 |
2023-02-01 | $267,500 (24.4%) | $266,154 (0.4%) | 0.00 | 123 |
2023-03-01 | $258,000 (18.8%) | $263,476 (-1.8%) | 0.00 | 130 |
2023-04-01 | $249,500 (16.1%) | $255,294 (-0.2%) | 0.00 | 130 |
2023-05-01 | $249,975 (8.7%) | $262,312 (1.8%) | 0.00 | 103 |
2023-06-01 | $258,750 (-0.2%) | $278,636 (6.2%) | 0.00 | 98 |
2023-07-01 | $246,300 (-3.4%) | $269,950 (0.9%) | 0.00 | 107 |
2023-08-01 | $226,000 (-8.1%) | $253,795 (-6.7%) | 0.00 | 117 |
2023-09-01 | $230,000 (-4.2%) | $260,070 (-3.1%) | 0.00 | 117 |
2023-10-01 | $249,300 (1.8%) | $267,958 (1.4%) | 0.00 | 123 |
2023-11-01 | $241,250 (-4.0%) | $271,894 (2.8%) | 0.00 | 127 |
2023-12-01 | $255,000 (-2.7%) | $282,550 (6.1%) | 0.00 | 121 |
2024-01-01 | $260,000 (0.8%) | $289,214 (10.2%) | 0.00 | 99 |
2024-02-01 | $245,625 (-8.2%) | $272,612 (2.4%) | 0.00 | 96 |
2024-03-01 | $248,700 (-3.6%) | $284,966 (8.2%) | 0.00 | 94 |
2024-04-01 | $254,250 (1.9%) | $289,880 (13.6%) | 0.00 | 102 |
2024-05-01 | $271,250 (8.5%) | $307,280 (17.1%) | 0.00 | 105 |
2024-06-01 | $275,000 (6.3%) | $304,289 (9.2%) | 0.00 | 107 |
2024-07-01 | $275,000 (11.7%) | $309,417 (14.6%) | 0.00 | 108 |
2024-08-01 | $275,000 (21.7%) | $310,412 (22.3%) | 0.00 | 100 |
2024-09-01 | $275,000 (19.6%) | $309,679 (19.1%) | 0.00 | 100 |
2024-10-01 | $270,000 (8.3%) | $301,091 (12.4%) | 0.00 | 113 |
2024-11-01 | $267,000 (10.7%) | $290,058 (6.7%) | 0.00 | 119 |
El Campo's median listing price comes in at 0% of the national average.
El Campo's average listing price for 2024-11-01 was $290,058, a difference of $18,164 (6.7%) versus the prior year and $-11,033 versus the prior month.
For the 2024-11-01 period, El Campo had 119 MLS listings, a difference of 6 listings (5%) versus the prior month and -8 listings (-6%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - El Campo (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 2,054 sqft |
2018-02-01 | 0 days | 2,133 sqft |
2018-03-01 | 0 days | 2,135 sqft |
2018-04-01 | 0 days | 2,127 sqft |
2018-05-01 | 0 days | 2,132 sqft |
2018-06-01 | 0 days | 2,140 sqft |
2018-07-01 | 0 days | 2,112 sqft |
2018-08-01 | 0 days | 2,090 sqft |
2018-09-01 | 0 days | 2,036 sqft |
2018-10-01 | 0 days | 1,969 sqft |
2018-11-01 | 0 days | 1,935 sqft |
2018-12-01 | 0 days | 1,985 sqft |
2019-01-01 | 0 days | 1,953 sqft |
2019-02-01 | 0 days | 1,889 sqft |
2019-03-01 | 0 days | 1,910 sqft |
2019-04-01 | 0 days | 1,914 sqft |
2019-05-01 | 0 days | 1,904 sqft |
2019-06-01 | 0 days | 1,811 sqft |
2019-07-01 | 0 days | 1,750 sqft |
2019-08-01 | 0 days | 1,753 sqft |
2019-09-01 | 0 days | 1,743 sqft |
2019-10-01 | 0 days | 1,737 sqft |
2019-11-01 | 0 days | 1,740 sqft |
2019-12-01 | 0 days | 1,746 sqft |
2020-01-01 | 0 days | 1,754 sqft |
2020-02-01 | 0 days | 1,808 sqft |
2020-03-01 | 0 days | 1,774 sqft |
2020-04-01 | 0 days | 1,747 sqft |
2020-05-01 | 0 days | 1,808 sqft |
2020-06-01 | 0 days | 1,807 sqft |
2020-07-01 | 0 days | 1,744 sqft |
2020-08-01 | 0 days | 1,743 sqft |
2020-09-01 | 0 days | 1,724 sqft |
2020-10-01 | 0 days | 1,734 sqft |
2020-11-01 | 0 days | 1,768 sqft |
2020-12-01 | 0 days | 1,765 sqft |
2021-01-01 | 0 days | 1,761 sqft |
2021-02-01 | 0 days | 1,764 sqft |
2021-03-01 | 0 days | 1,792 sqft |
2021-04-01 | 0 days | 1,827 sqft |
2021-05-01 | 0 days | 1,851 sqft |
2021-06-01 | 0 days | 1,790 sqft |
2021-07-01 | 0 days | 1,714 sqft |
2021-08-01 | 0 days | 1,826 sqft |
2021-09-01 | 0 days | 1,868 sqft |
2021-10-01 | 0 days | 1,760 sqft |
2021-11-01 | 0 days | 1,710 sqft |
2021-12-01 | 0 days | 1,676 sqft |
2022-01-01 | 0 days | 1,622 sqft |
2022-02-01 | 0 days | 1,631 sqft |
2022-03-01 | 0 days | 1,640 sqft |
2022-04-01 | 0 days | 1,640 sqft |
2022-05-01 | 0 days | 1,812 sqft |
2022-06-01 | 0 days | 1,709 sqft |
2022-07-01 | 0 days | 1,710 sqft |
2022-08-01 | 0 days | 1,714 sqft |
2022-09-01 | 0 days | 1,730 sqft |
2022-10-01 | 0 days | 1,743 sqft |
2022-11-01 | 0 days | 1,786 sqft |
2022-12-01 | 0 days | 1,774 sqft |
2023-01-01 | 0 days | 1,724 sqft |
2023-02-01 | 0 days | 1,680 sqft |
2023-03-01 | 0 days | 1,660 sqft |
2023-04-01 | 0 days | 1,660 sqft |
2023-05-01 | 0 days | 1,655 sqft |
2023-06-01 | 0 days | 1,747 sqft |
2023-07-01 | 0 days | 1,751 sqft |
2023-08-01 | 0 days | 1,704 sqft |
2023-09-01 | 0 days | 1,699 sqft |
2023-10-01 | 0 days | 1,774 sqft |
2023-11-01 | 0 days | 1,759 sqft |
2023-12-01 | 0 days | 1,833 sqft |
2024-01-01 | 0 days | 1,865 sqft |
2024-02-01 | 0 days | 1,808 sqft |
2024-03-01 | 0 days | 1,842 sqft |
2024-04-01 | 0 days | 1,914 sqft |
2024-05-01 | 0 days | 1,993 sqft |
2024-06-01 | 0 days | 1,997 sqft |
2024-07-01 | 0 days | 1,983 sqft |
2024-08-01 | 0 days | 1,850 sqft |
2024-09-01 | 0 days | 1,836 sqft |
2024-10-01 | 0 days | 1,829 sqft |
2024-11-01 | 0 days | 1,808 sqft |
El Campo's median square footage for active listings during the 2024-11-01 period was 1,808 sqft. One year prior, the average listing was 1,759 sqft.