El Campo Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in El Campo averaged
7.54%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.6% and
one month ago for the week of 2026-10-01, the
average rate was 7.24%.
El Campo's average rate one year ago was 6.33%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.38%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| El Campo 30 Year Fixed Rate | 2026-11-05 | 7.54% |
| El Campo 30 Year Fixed Rate Refi | 2026-11-05 | 7.38% |
| El Campo 15 Year Fixed Rate | 2026-11-05 | 6.77% |
| El Campo 15 Year Fixed Rate Refi | 2026-11-05 | 6.77% |
| El Campo 30 Year FHA | 2026-11-05 | 6.79% |
| El Campo 30 Year FHA Refi | 2026-11-05 | 6.93% |
| El Campo 30 Year USDA | 2026-11-05 | 6.8% |
| El Campo 30 Year USDA Refi | 2026-11-05 | 6.9% |
| El Campo 30 Year VA | 2026-11-05 | 6.76% |
| El Campo 30 Year VA Refi | 2026-11-05 | 6.56% |
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 56 lenders originated 444
loans during 2025. The total origination value was $102,900,000, with an average loan value of
$231,757.
El Campo's average closing costs are $6,598.
The top El Campo lender as defined by loan originations is QUICKEN LOANS, LLC, with
17 loans originated. Their average total fees are
$7,465, which is $1,523
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee El Campo lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC ($7,465), UNITED WHOLESALE MORTGAGE, LLC ($8,988), .
The lowest rate El Campo lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.46%), QUICKEN LOANS, LLC (7.04%), .
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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $8,050,000 | $8,875,000 | 10.2% | 8.6% |
| EAGLE HOME MORTGAGE, LLC | $215,000 | $6,155,000 | 2,762.8% | 6.0% |
| QUICKEN LOANS, LLC | $3,430,000 | $5,790,000 | 68.8% | 5.6% |
| FIRST STATE BANK | $3,170,000 | $5,240,000 | 65.3% | 5.1% |
| Cedar Rapids Bank and Trust Company | $4,305,000 | n/a | 4.2% | |
| Gateway First Bank | $2,285,000 | $3,840,000 | 68.1% | 3.7% |
| FREEDOM MORTGAGE CORPORATION | $1,770,000 | $3,375,000 | 90.7% | 3.3% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $2,185,000 | $3,335,000 | 52.6% | 3.2% |
| BancorpSouth | $605,000 | $3,165,000 | 423.1% | 3.1% |
| TEXAS DOW EMPLOYEES CREDIT UNION | $2,265,000 | $2,940,000 | 29.8% | 2.9% |
| Prosperity Bank | $2,740,000 | $2,425,000 | -11.5% | 2.4% |
| 21ST MORTGAGE CORPORATION | $1,855,000 | $2,345,000 | 26.4% | 2.3% |
| NEWREZ LLC | $1,985,000 | n/a | 1.9% | |
| Regions Bank | $105,000 | $1,615,000 | 1,438.1% | 1.6% |
| BROKER SOLUTIONS, INC. | $1,380,000 | $1,555,000 | 12.7% | 1.5% |
| Paramount Residential Mortgage Group, Inc. | $875,000 | $1,355,000 | 54.9% | 1.3% |
| Century Mortgage Company DBA Century Lending Company | $1,230,000 | n/a | 1.2% | |
| First Financial Bank | $1,770,000 | $1,230,000 | -30.5% | 1.2% |
| Citizens State Bank | $1,085,000 | $1,160,000 | 6.9% | 1.1% |
| PILGRIM MORTGAGE LLC | $860,000 | $1,095,000 | 27.3% | 1.1% |
| HOMEXPRESS MORTGAGE CORP. | $205,000 | $1,090,000 | 431.7% | 1.1% |
| Mortgage Research Center, LLC | $905,000 | $1,085,000 | 19.9% | 1.1% |
| LOANDEPOT.COM, LLC | $125,000 | $1,050,000 | 740.0% | 1.0% |
| S1L, Inc. | $965,000 | $990,000 | 2.6% | 1.0% |
| FIRST TECHNOLOGY | $975,000 | n/a | 0.9% | |
| TOWNE MORTGAGE COMPANY | $1,280,000 | $965,000 | -24.6% | 0.9% |
| The Loan Store, Inc. | $375,000 | $865,000 | 130.7% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $1,105,000 | $860,000 | -22.2% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $855,000 | n/a | 0.8% | |
| Carrington Mortgage Services, LLC | $165,000 | $820,000 | 397.0% | 0.8% |
| BRAZOS VALLEY SCHOOLS | $195,000 | $800,000 | 310.3% | 0.8% |
| Texas Regional Bank | $765,000 | n/a | 0.7% | |
| Raymond James Bank | $745,000 | n/a | 0.7% | |
| TRIAD FINANCIAL SERVICES, INC. | $445,000 | $745,000 | 67.4% | 0.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,355,000 | $725,000 | -46.5% | 0.7% |
| SOUTHWEST FUNDING, LP | $3,995,000 | $695,000 | -82.6% | 0.7% |
| Zions Bank | $795,000 | $670,000 | -15.7% | 0.7% |
| SOUTHWEST STAGE FUNDING, LLC | $395,000 | $660,000 | 67.1% | 0.6% |
| JPMorgan Chase Bank | $1,975,000 | $610,000 | -69.1% | 0.6% |
| Flagstar Bank, FSB | $2,450,000 | $590,000 | -75.9% | 0.6% |
| CMG MORTGAGE, INC. | $555,000 | $560,000 | 0.9% | 0.5% |
| UNION HOME MORTGAGE CORP. | $560,000 | n/a | 0.5% | |
| RANDOLPH-BROOKS | $275,000 | $550,000 | 100.0% | 0.5% |
| TEXAS BAY | $540,000 | n/a | 0.5% | |
| GUILD MORTGAGE COMPANY | $465,000 | $535,000 | 15.1% | 0.5% |
| AmeriHome Mortgage Company, LLC | $295,000 | $530,000 | 79.7% | 0.5% |
| Frost Bank | $220,000 | $510,000 | 131.8% | 0.5% |
| Farm Credit Mid-America, ACA | $560,000 | $505,000 | -9.8% | 0.5% |
| First Horizon Bank | $505,000 | n/a | 0.5% | |
| PNC Bank | $210,000 | $470,000 | 123.8% | 0.5% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,105,000 | $460,000 | -58.4% | 0.4% |
| LOANPEOPLE, LLC | $455,000 | n/a | 0.4% | |
| Truist | $435,000 | n/a | 0.4% | |
| NexBank | $255,000 | $420,000 | 64.7% | 0.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $930,000 | $380,000 | -59.1% | 0.4% |
| AMERICAN FINANCIAL NETWORK, INC. | $335,000 | $375,000 | 11.9% | 0.4% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $375,000 | n/a | 0.4% | |
| BM Real Estate Services, Inc. | $365,000 | n/a | 0.4% | |
| CALCON MUTUAL MORTGAGE LLC | $365,000 | $365,000 | 0.0% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $580,000 | $360,000 | -37.9% | 0.3% |
| CARDINAL FINANCIAL | $355,000 | n/a | 0.3% | |
| First National Bank of Bellville | $375,000 | $355,000 | -5.3% | 0.3% |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | $475,000 | $345,000 | -27.4% | 0.3% |
| Integrity Home Mortgage Corp | $335,000 | n/a | 0.3% | |
| Wells Fargo Bank | $325,000 | n/a | 0.3% | |
| First United Bank and Trust Company | $305,000 | n/a | 0.3% | |
| PLANET HOME LENDING, LLC | $305,000 | n/a | 0.3% | |
| Trustmark National Bank | $305,000 | n/a | 0.3% | |
| FIRST COMMUNITY MORTGAGE, INC. | $255,000 | $295,000 | 15.7% | 0.3% |
| UNIVERSITY Federal Credit Union | $295,000 | n/a | 0.3% | |
| Equity Prime Mortgage LLC | $910,000 | $275,000 | -69.8% | 0.3% |
| GUARANTEED RATE, INC. | $275,000 | n/a | 0.3% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $265,000 | n/a | 0.3% | |
| COUNTRYPLACE MORTGAGE, LTD. | $260,000 | n/a | 0.3% | |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $245,000 | $255,000 | 4.1% | 0.2% |
| MORTGAGE FINANCIAL SERVICES, LLC | $225,000 | $255,000 | 13.3% | 0.2% |
| SENTE MORTGAGE, INC. | $245,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $235,000 | n/a | 0.2% | |
| SUCCESS MORTGAGE PARTNERS, INC. | $235,000 | n/a | 0.2% | |
| NAVY FEDERAL CREDIT UNION | $45,000 | $230,000 | 411.1% | 0.2% |
| ALTRA | $215,000 | n/a | 0.2% | |
| LOANPAL, LLC | $65,000 | $215,000 | 230.8% | 0.2% |
| EAST TEXAS PROFESSIONAL Credit Union | $205,000 | n/a | 0.2% | |
| GARDNER FINANCIAL SERVICES, LTD. | $205,000 | n/a | 0.2% | |
| M&T Bank | $195,000 | n/a | 0.2% | |
| NATIONS DIRECT MORTGAGE, LLC | $255,000 | $195,000 | -23.5% | 0.2% |
| USAA Federal Savings Bank | $455,000 | $195,000 | -57.1% | 0.2% |
| BETTER MORTGAGE CORPORATION | $190,000 | n/a | 0.2% | |
| FIRST COMMUNITY CREDIT UNION | $185,000 | n/a | 0.2% | |
| ROYAL UNITED MORTGAGE LLC | $160,000 | $185,000 | 15.6% | 0.2% |
| City Bank | $535,000 | $175,000 | -67.3% | 0.2% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $175,000 | n/a | 0.2% | |
| MEMBERS CHOICE Credit Union | $175,000 | n/a | 0.2% | |
| SFMC, LP | $480,000 | $175,000 | -63.5% | 0.2% |
| Citadel Servicing Corporation | $165,000 | n/a | 0.2% | |
| CLEARPATH LENDING | $165,000 | n/a | 0.2% | |
| PLAZA HOME MORTGAGE, INC. | $375,000 | $160,000 | -57.3% | 0.2% |
| Magnolia Bank | $105,000 | $155,000 | 47.6% | 0.2% |
| OCMBC, INC. | $210,000 | $145,000 | -31.0% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,765,000 | $145,000 | -91.8% | 0.1% |
| JMAC LENDING, INC. | $135,000 | n/a | 0.1% | |
| Sunflower Bank | $135,000 | n/a | 0.1% | |
| Commerce Home Mortgage, Inc. | $125,000 | n/a | 0.1% | |
| PRIMEWAY | $125,000 | n/a | 0.1% | |
| SMART FINANCIAL CREDIT UNION | $120,000 | n/a | 0.1% | |
| Newfirst National Bank | $305,000 | $110,000 | -63.9% | 0.1% |
| A&D Mortgage LLC | $105,000 | n/a | 0.1% | |
| MOBILOIL | $85,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $85,000 | n/a | 0.1% | |
| Figure Lending LLC | $75,000 | n/a | 0.1% | |
| GUARANTEED RATE AFFINITY, LLC | $75,000 | n/a | 0.1% | |
| HOUSTON POLICE FEDERAL CREDIT UNION | $65,000 | n/a | 0.1% | |
| NATIONWIDE MORTGAGE BANKERS, INC. | $65,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $55,000 | n/a | 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 6.0%, is EAGLE HOME MORTGAGE, LLC, having originated $6,155,000 in loans. In third place, with 5.6%, is QUICKEN LOANS, LLC, having originated $5,790,000 in loans. In fourth place, with 5.1%, is FIRST STATE BANK, having originated $5,240,000 in loans. In fifth place, with 4.2%, is Cedar Rapids Bank and Trust Company, having originated $4,305,000 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%) | $210,930 (1.7%) | 0.00 | 138 |
| 2018-11-01 | $188,125 (-2.8%) | $210,854 (2.8%) | 0.00 | 135 |
| 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 (4.0%) | 0.00 | 132 |
| 2019-11-01 | $184,900 (-1.7%) | $215,056 (2.0%) | 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 | $248,700 (1.5%) | $267,462 (1.2%) | 0.00 | 122 |
| 2023-11-01 | $237,500 (-5.5%) | $271,438 (2.7%) | 0.00 | 126 |
| 2023-12-01 | $250,000 (-4.6%) | $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 | $270,000 (8.0%) | $304,177 (16.0%) | 0.00 | 105 |
| 2024-06-01 | $272,500 (5.3%) | $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%) | $310,640 (19.4%) | 0.00 | 101 |
| 2024-10-01 | $270,000 (8.6%) | $303,333 (13.4%) | 0.00 | 112 |
| 2024-11-01 | $267,000 (12.4%) | $290,058 (6.9%) | 0.00 | 119 |
| 2024-12-01 | $260,975 (4.4%) | $284,102 (0.6%) | 0.00 | 119 |
| 2025-01-01 | $250,000 (-3.9%) | $274,026 (-5.3%) | 0.00 | 114 |
| 2025-02-01 | $235,000 (-4.3%) | $262,223 (-3.8%) | 0.00 | 116 |
| 2025-03-01 | $225,990 (-9.1%) | $262,509 (-7.9%) | 0.00 | 126 |
| 2025-04-01 | $228,500 (-10.1%) | $262,732 (-9.4%) | 0.00 | 132 |
| 2025-05-01 | $245,000 (-9.3%) | $277,224 (-8.9%) | 0.00 | 135 |
| 2025-06-01 | $238,998 (-12.3%) | $288,652 (-5.1%) | 0.00 | 138 |
| 2025-07-01 | $239,500 (-12.9%) | $278,206 (-10.1%) | 0.00 | 155 |
| 2025-08-01 | $249,000 (-9.5%) | $289,300 (-6.8%) | 0.00 | 151 |
| 2025-09-01 | $240,950 (-12.4%) | $279,822 (-9.9%) | 0.00 | 163 |
| 2025-10-01 | $237,450 (-12.1%) | $282,403 (-6.9%) | 0.00 | 172 |
| 2025-11-01 | $235,000 (-12.0%) | $280,106 (-3.4%) | 0.00 | 180 |
| 2025-12-01 | $235,000 (-10.0%) | $288,887 (1.7%) | 0.00 | 158 |
| 2026-01-01 | $240,000 (-4.0%) | $292,035 (6.6%) | 0.00 | 147 |
| 2026-02-01 | $245,000 (4.3%) | $294,829 (12.4%) | 0.00 | 148 |
| 2026-03-01 | $246,125 (8.9%) | $304,571 (16.0%) | 0.00 | 139 |
| 2026-04-01 | $243,750 (6.7%) | $318,103 (21.1%) | 0.00 | 139 |
| 2026-05-01 | $249,900 (2.0%) | $326,899 (17.9%) | 0.00 | 136 |
| 2026-06-01 | $266,000 (11.3%) | $338,603 (17.3%) | 0.00 | 139 |
| 2026-07-01 | $270,875 (13.1%) | $338,612 (21.7%) | 0.00 | 136 |
| 2026-08-01 | $270,000 (8.4%) | $348,776 (20.6%) | 0.00 | 132 |
| 2026-09-01 | $253,750 (5.3%) | $337,767 (20.7%) | 0.00 | 133 |
| 2026-10-01 | $249,500 (5.1%) | $323,916 (14.7%) | 0.00 | 145 |
El Campo's median listing price comes in at 0% of the national average.
El Campo's average listing price for 2026-10-01 was $323,916, a difference of $41,513 (14.7%) versus the prior year and $-13,851 versus the prior month.
For the 2026-10-01 period, El Campo had 145 MLS listings, a difference of 12 listings (9%) versus the prior month and -27 listings (-16%) 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 | 2,145 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 | 1,918 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 | 1,749 sqft |
| 2020-01-01 | 0 days | 1,763 sqft |
| 2020-02-01 | 0 days | 1,832 sqft |
| 2020-03-01 | 0 days | 1,782 sqft |
| 2020-04-01 | 0 days | 1,751 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 | 1,767 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 | 1,814 sqft |
| 2022-06-01 | 0 days | 1,708 sqft |
| 2022-07-01 | 0 days | 1,705 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 | 1,782 sqft |
| 2023-11-01 | 0 days | 1,767 sqft |
| 2023-12-01 | 0 days | 1,833 sqft |
| 2024-01-01 | 0 days | 1,865 sqft |
| 2024-02-01 | 0 days | 1,809 sqft |
| 2024-03-01 | 0 days | 1,845 sqft |
| 2024-04-01 | 0 days | 1,949 sqft |
| 2024-05-01 | 0 days | 1,991 sqft |
| 2024-06-01 | 0 days | 2,004 sqft |
| 2024-07-01 | 0 days | 1,985 sqft |
| 2024-08-01 | 0 days | 1,867 sqft |
| 2024-09-01 | 0 days | 1,837 sqft |
| 2024-10-01 | 0 days | 1,829 sqft |
| 2024-11-01 | 0 days | 1,808 sqft |
| 2024-12-01 | 0 days | 1,761 sqft |
| 2025-01-01 | 0 days | 1,734 sqft |
| 2025-02-01 | 0 days | 1,714 sqft |
| 2025-03-01 | 0 days | 1,679 sqft |
| 2025-04-01 | 0 days | 1,671 sqft |
| 2025-05-01 | 0 days | 1,683 sqft |
| 2025-06-01 | 0 days | 1,690 sqft |
| 2025-07-01 | 0 days | 1,658 sqft |
| 2025-08-01 | 0 days | 1,648 sqft |
| 2025-09-01 | 0 days | 1,652 sqft |
| 2025-10-01 | 0 days | 1,706 sqft |
| 2025-11-01 | 0 days | 1,705 sqft |
| 2025-12-01 | 0 days | 1,709 sqft |
| 2026-01-01 | 0 days | 1,739 sqft |
| 2026-02-01 | 0 days | 1,774 sqft |
| 2026-03-01 | 0 days | 1,791 sqft |
| 2026-04-01 | 0 days | 1,712 sqft |
| 2026-05-01 | 0 days | 1,784 sqft |
| 2026-06-01 | 0 days | 1,889 sqft |
| 2026-07-01 | 0 days | 1,877 sqft |
| 2026-08-01 | 0 days | 1,901 sqft |
| 2026-09-01 | 0 days | 1,869 sqft |
| 2026-10-01 | 0 days | 1,807 sqft |
El Campo's median square footage for active listings during the 2026-10-01 period was 1,807 sqft. One year prior, the average listing was 1,706 sqft.
El Campo, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 305 | $74,395,000 | $243,918 |
| Refi | 56 | $15,440,000 | $275,714 |
| Cash Out Refi | 51 | $10,645,000 | $208,725 |
| Home Improvement | 19 | $1,475,000 | $77,632 |
| Other | 13 | $945,000 | $72,692 |
El Campo's most frequently cited loan purpose was Home Purchase, with 305 originations. The 2nd most popular reason was Refi, with 56 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 195 | $48,845,000 | $250,487 |
| 7-8% | 83 | $17,155,000 | $206,687 |
| Over 8% | 59 | $6,495,000 | $110,085 |
| 5-6% | 43 | $12,915,000 | $300,349 |
| 4-5% | 20 | $3,430,000 | $171,500 |
| 3-4% | 10 | $2,040,000 | $204,000 |
| <2.5% | 8 | $50,000 | $6,250 |
During 2025, El Campo's most frequently originated rate bucket was 6-7%, with 195 originations.
Loan Sizing (El Campo, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 166 | $25,210,000 | $151,867 |
| $200k-400k | 153 | $41,895,000 | $273,824 |
| $100,000 or less | 77 | $4,475,000 | $58,117 |
| $400k-600k | 33 | $15,375,000 | $465,909 |
| $600k-1000k | 12 | $8,870,000 | $739,167 |
| $Over $1MM | 3 | $7,075,000 | $2,358,333 |
El Campo's loan sizing saw the bucket of loans from $100k-200k with 166 originations, totaling $25,210,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 221 | $52,435,000 | $237,262 |
| 60-80% | 91 | $22,895,000 | $251,593 |
| 40-60% | 34 | $7,340,000 | $215,882 |
| Under 20% | 29 | $1,395,000 | $48,103 |
| 20-40% | 26 | $2,550,000 | $98,077 |
| Over 100% | 8 | $2,070,000 | $258,750 |
El Campo's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 221 originations, totaling $52,435,000 in origination value.