El Campo Mortgage Rates & Closing Costs

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  • Trends
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  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in El Campo averaged 6.86% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.85% and one month ago for the week of 2024-11-07, the average rate was 6.85%.

    El Campo's average rate one year ago was 7.09%.

    For refis of the same type during the week of 2024-12-12, the average rate was 6.8%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    El Campo 30 Year Fixed Rate 2024-12-12 6.86%
    El Campo 30 Year Fixed Rate Refi 2024-12-12 6.8%
    El Campo 15 Year Fixed Rate 2024-12-12 5.84%
    El Campo 15 Year Fixed Rate Refi 2024-12-12 6.34%
    El Campo 30 Year FHA 2024-12-12 6.05%
    El Campo 30 Year FHA Refi 2024-12-12 6.18%
    El Campo 30 Year USDA 2024-12-12 6.3%
    El Campo 30 Year USDA Refi 2024-12-12 6.5%
    El Campo 30 Year VA 2024-12-12 5.88%
    El Campo 30 Year VA Refi 2024-12-12 6.28%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within El Campo, TX.

    El Campo 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 El Campo, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 14 7.11% $8,058
    QUICKEN LOANS, LLC 13 6.88% $6,614
    TEXAS DOW EMPLOYEES CREDIT UNION 9 7.44% $5,586
    Gateway First Bank 7 6.45% $4,872
    Prosperity Bank 6 5.83% $3,445
    GUILD MORTGAGE COMPANY 6 7.29% $6,260
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 5 7.72% $7,653
    First Financial Bank 4 7.34% $2,443
    AMCAP MORTGAGE, LTD. 3 7.16% $8,185
    LOANDEPOT.COM, LLC 3 6.71% $8,875
    Flagstar Bank, FSB 3 7.04% $6,722
    CMG MORTGAGE, INC. 3 6.74% $6,065
    First National Bank of America 2 11.19% $7,366
    CHURCHILL MORTGAGE CORPORATION 2 6.62% $6,980
    Discover Bank 2 7.24% $0
    NEWREZ LLC 2 7.81% $5,180
    Mr. Cooper ( Nationstar Mortgage ) 2 6.81% $11,239
    Nations Lending Corporation 1 6.88% $6,830
    21ST MORTGAGE CORPORATION 1 7.45% $6,582
    PENNYMAC LOAN SERVICES, LLC 1 6.88% $14,172
    PHH Mortgage Corporation 1 6.99% $4,251
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.63% $14,302
    RANDOLPH-BROOKS 1 6.75% $4,177
    Regions Bank 1 5.50% $7,576
    ROYAL UNITED MORTGAGE LLC 1 6.75% $10,245
    S1L, Inc. 1 7.50% $6,350
    Sierra Pacific Mortgage Company, Inc. 1 6.99% $8,337
    THRIVE MORTGAGE, LLC 1 6.38% $6,008
    USAA Federal Savings Bank 1 5.50% $5,726
    VAN DYK MORTGAGE CORPORATION 1 6.25% $8,396
    Wells Fargo Bank 1 7.13% $6,765
    ZILLOW HOME LOANS, LLC 1 7.13% $4,481
    Network Funding, L.P. 1 6.38% $7,005
    American National Bank & Trust 1 7.00% $10,250
    Arvest Bank 1 6.88% $5,650
    BancorpSouth 1 7.25% $4,497
    BETTER MORTGAGE CORPORATION 1 5.75% $4,541
    Carrington Mortgage Services, LLC 1 7.13% $3,420
    CONSUMERS COOPERATIVE CREDIT UNION 1 6.50% $2,882
    Farm Credit Mid-America, ACA 1 7.75% $22,645
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.50% $8,578
    HOMESTEAD FUNDING CORP. 1 6.00% $3,887
    Independent Bank 1 6.75% $8,595
    JPMorgan Chase Bank 1 6.75% $8,874
    LEGEND LENDING CORPORATION 1 6.75% $7,430
    LOANPEOPLE, LLC 1 5.99% $14,377
    MID AMERICA MORTGAGE, INC. 1 6.75% $4,820
    Mortgage Research Center, LLC 1 7.25% $4,262
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.75% $16,155

    El Campo Average Closing Costs & Other Stats

    El Campo, TX's 49 lenders originated 360 loans during 2023. The total origination value was $76,770,000, with an average loan value of $213,250.

    El Campo's average closing costs are $6,160.

    The top El Campo lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 14 loans originated. Their average total fees are $8,058, which is $1,444 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee El Campo lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($6,614), UNITED WHOLESALE MORTGAGE, LLC ($8,058), .

    The lowest rate El Campo lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.88%), UNITED WHOLESALE MORTGAGE, LLC (7.11%), .

    El Campo, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    UNITED WHOLESALE MORTGAGE, LLC $3,455,000 $6,585,000 90.6% 8.6%
    QUICKEN LOANS, LLC $6,925,000 $5,415,000 -21.8% 7.1%
    FIRST STATE BANK $4,535,000 n/a 5.9%
    Prosperity Bank $6,505,000 $4,395,000 -32.4% 5.7%
    Gateway First Bank $5,200,000 $3,670,000 -29.4% 4.8%
    First Financial Bank $1,640,000 $2,745,000 67.4% 3.6%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $4,395,000 $2,715,000 -38.2% 3.5%
    Flagstar Bank, FSB $4,495,000 $2,235,000 -50.3% 2.9%
    CMG MORTGAGE, INC. $780,000 $2,170,000 178.2% 2.8%
    TEXAS DOW EMPLOYEES CREDIT UNION $5,890,000 $1,845,000 -68.7% 2.4%
    21ST MORTGAGE CORPORATION $3,005,000 $1,760,000 -41.4% 2.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $2,285,000 $1,645,000 -28.0% 2.1%
    AMCAP MORTGAGE, LTD. $4,865,000 $1,610,000 -66.9% 2.1%
    Citizens State Bank $1,565,000 $1,560,000 -0.3% 2.0%
    Farm Credit Mid-America, ACA $275,000 $1,545,000 461.8% 2.0%
    GUILD MORTGAGE COMPANY $160,000 $1,420,000 787.5% 1.8%
    LOANDEPOT.COM, LLC $1,865,000 $1,320,000 -29.2% 1.7%
    EVERETT FINANCIAL, INC. $845,000 $1,180,000 39.6% 1.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $930,000 $1,030,000 10.8% 1.3%
    AMERICAN PACIFIC MORTGAGE CORPORATION $1,600,000 $1,010,000 -36.9% 1.3%
    Network Funding, L.P. $875,000 $980,000 12.0% 1.3%
    Mr. Cooper ( Nationstar Mortgage ) $890,000 $805,000 -9.6% 1.0%
    BRAZOS VALLEY SCHOOLS $545,000 $750,000 37.6% 1.0%
    RANDOLPH-BROOKS $740,000 n/a 1.0%
    MID AMERICA MORTGAGE, INC. $440,000 $730,000 65.9% 1.0%
    CROSSCOUNTRY MORTGAGE, LLC $635,000 $610,000 -3.9% 0.8%
    S1L, Inc. $980,000 $610,000 -37.8% 0.8%
    Carrington Mortgage Services, LLC $330,000 $575,000 74.2% 0.7%
    Frost Bank $130,000 $575,000 342.3% 0.7%
    NEWREZ LLC $425,000 $565,000 32.9% 0.7%
    Wells Fargo Bank $1,500,000 $555,000 -63.0% 0.7%
    UNITED BUILT HOMES, L.L.C. $295,000 $550,000 86.4% 0.7%
    Zions Bank $665,000 $525,000 -21.1% 0.7%
    JPMorgan Chase Bank $525,000 $470,000 -10.5% 0.6%
    Texas Bank $285,000 $455,000 59.6% 0.6%
    American National Bank & Trust $445,000 n/a 0.6%
    Crossroads Bank $430,000 n/a 0.6%
    TEXAS BAY $430,000 n/a 0.6%
    ENVOY MORTGAGE, LTD $420,000 n/a 0.5%
    PLAZA HOME MORTGAGE, INC. $185,000 $415,000 124.3% 0.5%
    USAA Federal Savings Bank $410,000 n/a 0.5%
    Equity Prime Mortgage LLC $205,000 $375,000 82.9% 0.5%
    CHURCHILL MORTGAGE CORPORATION $135,000 $370,000 174.1% 0.5%
    Newfirst National Bank $370,000 n/a 0.5%
    Greenbox Loans, Inc. $335,000 $365,000 9.0% 0.5%
    HOMESTEAD FUNDING CORP. $365,000 n/a 0.5%
    Mortgage Research Center, LLC $1,175,000 $360,000 -69.4% 0.5%
    LOANPEOPLE, LLC $355,000 n/a 0.5%
    Sierra Pacific Mortgage Company, Inc. $355,000 n/a 0.5%
    Discover Bank $155,000 $340,000 119.4% 0.4%
    HOMEXPRESS MORTGAGE CORP. $125,000 $340,000 172.0% 0.4%
    MUTUAL OF OMAHA MORTGAGE, INC. $205,000 $335,000 63.4% 0.4%
    Regions Bank $335,000 n/a 0.4%
    First National Bank of America $330,000 n/a 0.4%
    First National Bank $325,000 n/a 0.4%
    Independent Bank $680,000 $325,000 -52.2% 0.4%
    SUCCESS MORTGAGE PARTNERS, INC. $300,000 n/a 0.4%
    CREDIT HUMAN FEDERAL CREDIT UNION $25,000 $295,000 1,080.0% 0.4%
    EUSTIS AND AMERICAN MORTGAGE COMPANY $425,000 $295,000 -30.6% 0.4%
    Magnolia Bank $295,000 n/a 0.4%
    VAN DYK MORTGAGE CORPORATION $135,000 $295,000 118.5% 0.4%
    CARDINAL FINANCIAL $440,000 $285,000 -35.2% 0.4%
    LEGEND LENDING CORPORATION $155,000 $285,000 83.9% 0.4%
    T2 FINANCIAL LLC $1,230,000 $265,000 -78.5% 0.3%
    ROYAL UNITED MORTGAGE LLC $140,000 $260,000 85.7% 0.3%
    SOUTHWEST STAGE FUNDING, LLC $255,000 n/a 0.3%
    SWBC MORTGAGE CORPORATION $245,000 n/a 0.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,075,000 $240,000 -77.7% 0.3%
    GUARANTEED RATE, INC. $480,000 $235,000 -51.0% 0.3%
    NATIONS RELIABLE LENDING, LLC $1,290,000 $235,000 -81.8% 0.3%
    Operating Engineers Local Union #3 $235,000 n/a 0.3%
    MOVEMENT MORTGAGE, LLC $225,000 n/a 0.3%
    COUNTRYPLACE MORTGAGE, LTD. $385,000 $220,000 -42.9% 0.3%
    CALCON MUTUAL MORTGAGE LLC $205,000 n/a 0.3%
    THRIVE MORTGAGE, LLC $855,000 $205,000 -76.0% 0.3%
    ACADEMY MORTGAGE CORPORATION $750,000 $200,000 -73.3% 0.3%
    Citizens Bank $1,200,000 $195,000 -83.8% 0.3%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $605,000 $195,000 -67.8% 0.3%
    PNC Bank $85,000 $190,000 123.5% 0.2%
    TRIAD FINANCIAL SERVICES, INC. $190,000 n/a 0.2%
    Paramount Residential Mortgage Group, Inc. $420,000 $175,000 -58.3% 0.2%
    PENNYMAC LOAN SERVICES, LLC $410,000 $175,000 -57.3% 0.2%
    Prosperity Home Mortgage, LLC $345,000 $170,000 -50.7% 0.2%
    BancorpSouth $165,000 n/a 0.2%
    CORNERSTONE HOME LENDING, INC. $2,570,000 $165,000 -93.6% 0.2%
    GARDNER FINANCIAL SERVICES, LTD. $165,000 n/a 0.2%
    INTERLINC MORTGAGE SERVICES, LLC $215,000 $155,000 -27.9% 0.2%
    Nations Lending Corporation $135,000 n/a 0.2%
    BETTER MORTGAGE CORPORATION $540,000 $125,000 -76.9% 0.2%
    Arvest Bank $115,000 n/a 0.1%
    PREMIA MORTGAGE, LLC $115,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $450,000 $115,000 -74.4% 0.1%
    CONSUMERS COOPERATIVE CREDIT UNION $95,000 n/a 0.1%
    PHH Mortgage Corporation $155,000 $95,000 -38.7% 0.1%
    Trustmark National Bank $75,000 n/a 0.1%
    Houston Federal Credit Union $65,000 n/a 0.1%
    FIRST SERVICE Credit Union $55,000 $55,000 0.0% 0.1%
    International Bank of Commerce $25,000 $55,000 120.0% 0.1%
    NAVY FEDERAL CREDIT UNION $185,000 $55,000 -70.3% 0.1%

    El Campo's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 8.6% market share. In second place, with 7.1%, is QUICKEN LOANS, LLC, having originated $5,415,000 in loans. In third place, with 5.9%, is FIRST STATE BANK, having originated $4,535,000 in loans. In fourth place, with 5.7%, is Prosperity Bank, having originated $4,395,000 in loans. In fifth place, with 4.8%, is Gateway First Bank, having originated $3,670,000 in loans.

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

    Realtor.com - El Campo (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 $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 for 2024-11-01 was $267,000, a difference of $25,750 (10.7%) versus the prior year and $-3,000 versus the prior month.

    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. Louis
    Date 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 listing age (time on market) for 2024-11-01 was 0 days.

    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.

    El Campo, TX Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 267 $58,255,000 $218,184
    Cash Out Refi 39 $7,025,000 $180,128
    Refi 31 $8,835,000 $285,000
    Home Improvement 12 $1,750,000 $145,833
    Other 11 $905,000 $82,273

    El Campo's most frequently cited loan purpose was Home Purchase, with 267 originations. The 2nd most popular reason was Cash Out Refi, with 39 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 105 $24,185,000 $230,333
    7-8% 81 $18,525,000 $228,704
    Over 8% 79 $11,705,000 $148,165
    5-6% 56 $13,680,000 $244,286
    <2.5% 6 $40,000 $6,667
    4-5% 2 $470,000 $235,000

    During 2023, El Campo's most frequently originated rate bucket was 6-7%, with 105 originations.

    Loan Sizing (El Campo, TX MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 137 $20,285,000 $148,066
    $200k-400k 122 $33,620,000 $275,574
    $100,000 or less 70 $4,610,000 $65,857
    $400k-600k 21 $9,765,000 $465,000
    $600k-1000k 7 $4,485,000 $640,714
    $Over $1MM 3 $4,005,000 $1,335,000

    El Campo's loan sizing saw the bucket of loans from $100k-200k with 137 originations, totaling $20,285,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 181 $39,455,000 $217,983
    60-80% 77 $19,075,000 $247,727
    40-60% 25 $4,665,000 $186,600
    20-40% 22 $2,720,000 $123,636
    Under 20% 16 $460,000 $28,750
    Over 100% 7 $2,085,000 $297,857

    El Campo's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 181 originations, totaling $39,455,000 in origination value.