El Campo Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in El Campo averaged
6.99%
for the week of 2025-07-10, compared to the national average of
6.72% for the same period.
The average rate for the prior week (2025-07-03) was
6.84% and
one month ago for the week of 2025-06-05, the
average rate was 7.42%.
El Campo's average rate one year ago was 7.12%.
For refis of the same type during the week of 2025-07-10, the average rate
was 6.82%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-10 | 6.72% |
| El Campo 30 Year Fixed Rate | 2025-07-10 | 6.99% |
| El Campo 30 Year Fixed Rate Refi | 2025-07-10 | 6.82% |
| El Campo 15 Year Fixed Rate | 2025-07-10 | 5.76% |
| El Campo 15 Year Fixed Rate Refi | 2025-07-10 | 5.86% |
| El Campo 30 Year FHA | 2025-07-10 | 6.74% |
| El Campo 30 Year FHA Refi | 2025-07-10 | 6.32% |
| El Campo 30 Year USDA | 2025-07-10 | 6.65% |
| El Campo 30 Year USDA Refi | 2025-07-10 | 6.35% |
| El Campo 30 Year VA | 2025-07-10 | 6.47% |
| El Campo 30 Year VA Refi | 2025-07-10 | 6.37% |
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.).
El Campo Average Closing Costs & Other Stats
El Campo, TX's 64 lenders originated 363
loans during 2024. The total origination value was $81,735,000, with an average loan value of
$225,165.
El Campo's average closing costs are $6,424.
The top El Campo lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
12 loans originated. Their average total fees are
$7,638, which is $1,542
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee El Campo lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC ($6,096), UNITED WHOLESALE MORTGAGE, LLC ($7,638), .
The lowest rate El Campo lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.89%), QUICKEN LOANS, LLC (7.21%), .
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $6,585,000 | $8,050,000 | 22.2% | 9.8% |
| SOUTHWEST FUNDING, LP | $3,995,000 | n/a | 4.9% | |
| QUICKEN LOANS, LLC | $5,415,000 | $3,430,000 | -36.7% | 4.2% |
| FIRST STATE BANK | $4,535,000 | $3,170,000 | -30.1% | 3.9% |
| Prosperity Bank | $4,395,000 | $2,740,000 | -37.7% | 3.4% |
| Flagstar Bank, FSB | $2,235,000 | $2,450,000 | 9.6% | 3.0% |
| Gateway First Bank | $3,670,000 | $2,285,000 | -37.7% | 2.8% |
| TEXAS DOW EMPLOYEES CREDIT UNION | $1,845,000 | $2,265,000 | 22.8% | 2.8% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $2,715,000 | $2,185,000 | -19.5% | 2.7% |
| JPMorgan Chase Bank | $470,000 | $1,975,000 | 320.2% | 2.4% |
| 21ST MORTGAGE CORPORATION | $1,760,000 | $1,855,000 | 5.4% | 2.3% |
| First Financial Bank | $2,745,000 | $1,770,000 | -35.5% | 2.2% |
| FREEDOM MORTGAGE CORPORATION | $1,770,000 | n/a | 2.2% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,645,000 | $1,765,000 | 7.3% | 2.2% |
| BROKER SOLUTIONS, INC. | $1,380,000 | n/a | 1.7% | |
| CROSSCOUNTRY MORTGAGE, LLC | $610,000 | $1,355,000 | 122.1% | 1.7% |
| TOWNE MORTGAGE COMPANY | $1,280,000 | n/a | 1.6% | |
| Network Funding, L.P. | $980,000 | $1,240,000 | 26.5% | 1.5% |
| DEEPHAVEN MORTGAGE LLC | $1,195,000 | n/a | 1.5% | |
| Mr. Cooper ( Nationstar Mortgage ) | $805,000 | $1,105,000 | 37.3% | 1.4% |
| PENNYMAC LOAN SERVICES, LLC | $175,000 | $1,105,000 | 531.4% | 1.4% |
| Citizens State Bank | $1,560,000 | $1,085,000 | -30.4% | 1.3% |
| S1L, Inc. | $610,000 | $965,000 | 58.2% | 1.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,030,000 | $930,000 | -9.7% | 1.1% |
| UNITED BUILT HOMES, L.L.C. | $550,000 | $925,000 | 68.2% | 1.1% |
| Equity Prime Mortgage LLC | $375,000 | $910,000 | 142.7% | 1.1% |
| Mortgage Research Center, LLC | $360,000 | $905,000 | 151.4% | 1.1% |
| Dollar Bank, Federal Savings Bank | $890,000 | n/a | 1.1% | |
| Paramount Residential Mortgage Group, Inc. | $175,000 | $875,000 | 400.0% | 1.1% |
| PILGRIM MORTGAGE LLC | $860,000 | n/a | 1.1% | |
| Zions Bank | $525,000 | $795,000 | 51.4% | 1.0% |
| Bank of England | $765,000 | n/a | 0.9% | |
| NATIONS RELIABLE LENDING, LLC | $235,000 | $705,000 | 200.0% | 0.9% |
| Origin Bank | $675,000 | n/a | 0.8% | |
| BancorpSouth | $165,000 | $605,000 | 266.7% | 0.7% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $240,000 | $580,000 | 141.7% | 0.7% |
| Farm Credit Mid-America, ACA | $1,545,000 | $560,000 | -63.8% | 0.7% |
| CMG MORTGAGE, INC. | $2,170,000 | $555,000 | -74.4% | 0.7% |
| City Bank | $535,000 | n/a | 0.7% | |
| First National Bank of America | $330,000 | $490,000 | 48.5% | 0.6% |
| EVERETT FINANCIAL, INC. | $1,180,000 | $485,000 | -58.9% | 0.6% |
| SFMC, LP | $480,000 | n/a | 0.6% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,010,000 | $475,000 | -53.0% | 0.6% |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | $475,000 | n/a | 0.6% | |
| GUILD MORTGAGE COMPANY | $1,420,000 | $465,000 | -67.3% | 0.6% |
| USAA Federal Savings Bank | $410,000 | $455,000 | 11.0% | 0.6% |
| TRIAD FINANCIAL SERVICES, INC. | $190,000 | $445,000 | 134.2% | 0.5% |
| AMERICAN HERITAGE LENDING, INC. | $415,000 | n/a | 0.5% | |
| American Mortgage & Equity Consultants, Inc. | $405,000 | n/a | 0.5% | |
| SOUTHWEST STAGE FUNDING, LLC | $255,000 | $395,000 | 54.9% | 0.5% |
| First National Bank of Bellville | $375,000 | n/a | 0.5% | |
| PLAZA HOME MORTGAGE, INC. | $415,000 | $375,000 | -9.6% | 0.5% |
| The Loan Store, Inc. | $375,000 | n/a | 0.5% | |
| CALCON MUTUAL MORTGAGE LLC | $205,000 | $365,000 | 78.0% | 0.4% |
| Wallick & Volk, Inc. | $350,000 | n/a | 0.4% | |
| First National Bank in Port Lavaca | $345,000 | n/a | 0.4% | |
| Alcova Mortgage LLC | $335,000 | n/a | 0.4% | |
| AMERICAN FINANCIAL NETWORK, INC. | $335,000 | n/a | 0.4% | |
| V.I.P. MORTGAGE, INC. | $325,000 | n/a | 0.4% | |
| Newfirst National Bank | $370,000 | $305,000 | -17.6% | 0.4% |
| AmeriHome Mortgage Company, LLC | $295,000 | n/a | 0.4% | |
| HOMETRUST MORTGAGE COMPANY | $295,000 | n/a | 0.4% | |
| WILLOW BEND MORTGAGE COMPANY, LLC | $295,000 | n/a | 0.4% | |
| RANDOLPH-BROOKS | $740,000 | $275,000 | -62.8% | 0.3% |
| CORNERSTONE HOME LENDING, INC. | $165,000 | $255,000 | 54.5% | 0.3% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $295,000 | $255,000 | -13.6% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $255,000 | n/a | 0.3% | |
| NATIONS DIRECT MORTGAGE, LLC | $255,000 | n/a | 0.3% | |
| NexBank | $255,000 | n/a | 0.3% | |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $245,000 | n/a | 0.3% | |
| NETWORK CAPITAL FUNDING CORPORATION | $235,000 | n/a | 0.3% | |
| NFM, INC. | $235,000 | n/a | 0.3% | |
| FINANCE OF AMERICA REVERSE LLC | $230,000 | n/a | 0.3% | |
| MORTGAGE FINANCIAL SERVICES, LLC | $225,000 | n/a | 0.3% | |
| Frost Bank | $575,000 | $220,000 | -61.7% | 0.3% |
| EAGLE HOME MORTGAGE, LLC | $215,000 | n/a | 0.3% | |
| HOMESIDE FINANCIAL, LLC | $215,000 | n/a | 0.3% | |
| OCMBC, INC. | $210,000 | n/a | 0.3% | |
| PNC Bank | $190,000 | $210,000 | 10.5% | 0.3% |
| AMERICAN HOMESTAR MORTGAGE, L.L.C. | $205,000 | n/a | 0.3% | |
| Farmers National Bank | $205,000 | n/a | 0.3% | |
| HOMEXPRESS MORTGAGE CORP. | $340,000 | $205,000 | -39.7% | 0.3% |
| BRAZOS VALLEY SCHOOLS | $750,000 | $195,000 | -74.0% | 0.2% |
| Sierra Pacific Mortgage Company, Inc. | $355,000 | $195,000 | -45.1% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $370,000 | $185,000 | -50.0% | 0.2% |
| INTERLINC MORTGAGE SERVICES, LLC | $155,000 | $175,000 | 12.9% | 0.2% |
| US MORTGAGE CORPORATION | $175,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $575,000 | $165,000 | -71.3% | 0.2% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $165,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $260,000 | $160,000 | -38.5% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $145,000 | n/a | 0.2% | |
| Bank of America | $145,000 | n/a | 0.2% | |
| FIRST SERVICE Credit Union | $55,000 | $135,000 | 145.5% | 0.2% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $135,000 | n/a | 0.2% | |
| LONGBRIDGE FINANCIAL, LLC | $135,000 | n/a | 0.2% | |
| VAN DYK MORTGAGE CORPORATION | $295,000 | $135,000 | -54.2% | 0.2% |
| CSL Financial, LLC | $125,000 | n/a | 0.2% | |
| LOANDEPOT.COM, LLC | $1,320,000 | $125,000 | -90.5% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $105,000 | n/a | 0.1% | |
| CAPITAL CONCEPTS, INC. | $105,000 | n/a | 0.1% | |
| Discover Bank | $340,000 | $105,000 | -69.1% | 0.1% |
| Magnolia Bank | $295,000 | $105,000 | -64.4% | 0.1% |
| MEMBER HOME LOAN, L.L.C. | $105,000 | n/a | 0.1% | |
| Regions Bank | $335,000 | $105,000 | -68.7% | 0.1% |
| State Bank of De Kalb | $105,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $95,000 | n/a | 0.1% | |
| CommunityBank of Texas, N.A. | $75,000 | n/a | 0.1% | |
| Houston Federal Credit Union | $65,000 | $75,000 | 15.4% | 0.1% |
| LOANPAL, LLC | $65,000 | n/a | 0.1% | |
| International Bank of Commerce | $55,000 | $55,000 | 0.0% | 0.1% |
| 212 LOANS, LLC. | $45,000 | n/a | 0.1% | |
| NAVY FEDERAL CREDIT UNION | $55,000 | $45,000 | -18.2% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $730,000 | $15,000 | -97.9% | 0.0% |
El Campo's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 9.8% market share. In second place, with 4.9%, is SOUTHWEST FUNDING, LP, having originated $3,995,000 in loans. In third place, with 4.2%, is QUICKEN LOANS, LLC, having originated $3,430,000 in loans. In fourth place, with 3.9%, is FIRST STATE BANK, having originated $3,170,000 in loans. In fifth place, with 3.4%, is Prosperity Bank, having originated $2,740,000 in loans.
El Campo, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 263 | $61,465,000 | $233,707 |
| Cash Out Refi | 35 | $6,555,000 | $187,286 |
| Refi | 31 | $9,245,000 | $298,226 |
| Other | 20 | $2,280,000 | $114,000 |
| Home Improvement | 14 | $2,190,000 | $156,429 |
El Campo's most frequently cited loan purpose was Home Purchase, with 263 originations. The 2nd most popular reason was Cash Out Refi, with 35 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 136 | $32,280,000 | $237,353 |
| 7-8% | 94 | $22,120,000 | $235,319 |
| Over 8% | 58 | $9,600,000 | $165,517 |
| 5-6% | 40 | $10,680,000 | $267,000 |
| <2.5% | 4 | $30,000 | $7,500 |
| 3-4% | 3 | $435,000 | $145,000 |
| 4-5% | 1 | $65,000 | $65,000 |
During 2024, El Campo's most frequently originated rate bucket was 6-7%, with 136 originations.
Loan Sizing (El Campo, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 141 | $38,555,000 | $273,440 |
| $100k-200k | 133 | $19,555,000 | $147,030 |
| $100,000 or less | 51 | $3,185,000 | $62,451 |
| $400k-600k | 30 | $13,930,000 | $464,333 |
| $600k-1000k | 6 | $4,380,000 | $730,000 |
| $Over $1MM | 2 | $2,130,000 | $1,065,000 |
El Campo's loan sizing saw the bucket of loans from $200k-400k with 141 originations, totaling $38,555,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 196 | $48,370,000 | $246,786 |
| 60-80% | 70 | $16,480,000 | $235,429 |
| 40-60% | 29 | $5,005,000 | $172,586 |
| 20-40% | 20 | $2,900,000 | $145,000 |
| Under 20% | 12 | $430,000 | $35,833 |
| Over 100% | 5 | $1,615,000 | $323,000 |
El Campo's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 196 originations, totaling $48,370,000 in origination value.