El Campo Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in El Campo averaged 7.33% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 7.28% and one month ago for the week of 2025-04-17, the average rate was 7.2%.

    El Campo's average rate one year ago was 7.29%.

    For refis of the same type during the week of 2025-05-22, the average rate was 6.76%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    El Campo 30 Year Fixed Rate 2025-05-22 7.33%
    El Campo 30 Year Fixed Rate Refi 2025-05-22 6.76%
    El Campo 15 Year Fixed Rate 2025-05-22 6.21%
    El Campo 15 Year Fixed Rate Refi 2025-05-22 6.21%
    El Campo 30 Year FHA 2025-05-22 6.83%
    El Campo 30 Year FHA Refi 2025-05-22 6.81%
    El Campo 30 Year USDA 2025-05-22 6.33%
    El Campo 30 Year USDA Refi 2025-05-22 6.43%
    El Campo 30 Year VA 2025-05-22 6.32%
    El Campo 30 Year VA Refi 2025-05-22 6.72%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 12 6.89% $7,638
    QUICKEN LOANS, LLC 10 7.21% $6,096
    SOUTHWEST FUNDING, LP 9 6.82% $6,936
    TEXAS DOW EMPLOYEES CREDIT UNION 9 7.42% $3,531
    JPMorgan Chase Bank 7 6.78% $6,509
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 6 7.46% $6,819
    Flagstar Bank, FSB 5 7.17% $7,841
    Gateway First Bank 4 7.16% $5,211
    Prosperity Bank 4 6.88% $5,086
    PENNYMAC LOAN SERVICES, LLC 3 7.29% $6,347
    Mr. Cooper ( Nationstar Mortgage ) 3 6.32% $14,736
    BROKER SOLUTIONS, INC. 3 6.96% $8,637
    S1L, Inc. 3 7.17% $6,474
    DEEPHAVEN MORTGAGE LLC 3 8.33% $12,982
    TOWNE MORTGAGE COMPANY 3 6.04% $11,838
    Zions Bank 2 6.69% $4,589
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.06% $5,678
    Dollar Bank, Federal Savings Bank 2 6.81% $7,848
    Farm Credit Mid-America, ACA 2 7.63% $7,438
    NATIONS RELIABLE LENDING, LLC 2 6.56% $6,309
    21ST MORTGAGE CORPORATION 2 8.12% $6,925
    First Financial Bank 2 7.70% $4,322
    HOMESIDE FINANCIAL, LLC 1 6.99% $4,252
    LENOX FINANCIAL MORTGAGE CORPORATION 1 7.63% $6,392
    LOANDEPOT.COM, LLC 1 7.38% $4,264
    LOANPAL, LLC 1 4.75% $1,496
    MEMBER HOME LOAN, L.L.C. 1 6.00% $4,763
    MORTGAGE FINANCIAL SERVICES, LLC 1 7.99% $5,834
    Mortgage Research Center, LLC 1 6.63% $6,529
    NexBank 1 7.63% $10,151
    Paramount Residential Mortgage Group, Inc. 1 6.38% $4,458
    PILGRIM MORTGAGE LLC 1 7.38% $4,188
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.50% $6,477
    RANDOLPH-BROOKS 1 7.38% $34
    ROYAL UNITED MORTGAGE LLC 1 7.63% $6,837
    SFMC, LP 1 7.38% $12,723
    Sierra Pacific Mortgage Company, Inc. 1 7.13% $3,363
    The Loan Store, Inc. 1 6.63% $11,074
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.13% $8,475
    VAN DYK MORTGAGE CORPORATION 1 6.99% $2,979
    V.I.P. MORTGAGE, INC. 1 6.99% $11,767
    Wallick & Volk, Inc. 1 6.63% $3,278
    Network Funding, L.P. 1 6.63% $5,940
    AMERICAN FINANCIAL NETWORK, INC. 1 7.50% $5,093
    AMERICAN HERITAGE LENDING, INC. 1 8.38% $12,779
    American Mortgage & Equity Consultants, Inc. 1 7.25% $11,284
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.13% $12,972
    AmeriHome Mortgage Company, LLC 1 6.38% $8,690
    BancorpSouth 1 6.50% $15,726
    Bank of America 1 6.25% $5,876
    Bank of England 1 7.38% $33,767
    CALCON MUTUAL MORTGAGE LLC 1 6.63% $9,929
    Carrington Mortgage Services, LLC 1 8.25% $8,656
    CHURCHILL MORTGAGE CORPORATION 1 6.88% $6,156
    City Bank 1 7.13% $10,586
    CMG MORTGAGE, INC. 1 6.50% $7,550
    CORNERSTONE HOME LENDING, INC. 1 6.50% $6,998
    CROSSCOUNTRY MORTGAGE, LLC 1 7.50% $14,724
    Discover Bank 1 7.69% $0
    EVERETT FINANCIAL, INC. 1 6.63% $5,574
    First National Bank of America 1 8.50% $18,027
    FIRST SERVICE Credit Union 1 6.63% $3,670
    GUILD MORTGAGE COMPANY 1 6.99% $13,071
    GULF COAST EDUCATORS FEDERAL CREDIT UNION 1 6.85% $5,275

    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 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 $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 $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%) $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
    2024-12-01 $260,975 (2.3%) $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%) $263,523 (-9.1%) 0.00 132
    El Campo's median listing price for 2025-04-01 was $228,500, a difference of $-25,750 (-10.1%) versus the prior year and $2,510 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 2025-04-01 was $263,523, a difference of $-26,357 (-9.1%) versus the prior year and $1,014 versus the prior month.

    For the 2025-04-01 period, El Campo had 132 MLS listings, a difference of 6 listings (5%) versus the prior month and 30 listings (29%) 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 1,764 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 1,930 sqft
    2024-05-01 0 days 1,991 sqft
    2024-06-01 0 days 2,004 sqft
    2024-07-01 0 days 1,983 sqft
    2024-08-01 0 days 1,850 sqft
    2024-09-01 0 days 1,837 sqft
    2024-10-01 0 days 1,821 sqft
    2024-11-01 0 days 1,808 sqft
    2024-12-01 0 days 1,761 sqft
    2025-01-01 0 days 1,727 sqft
    2025-02-01 0 days 1,713 sqft
    2025-03-01 0 days 1,679 sqft
    2025-04-01 0 days 1,678 sqft
    El Campo's median listing age (time on market) for 2025-04-01 was 0 days.

    El Campo's median square footage for active listings during the 2025-04-01 period was 1,678 sqft. One year prior, the average listing was 1,930 sqft.

    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.