Nacogdoches Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Nacogdoches averaged
6.87%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
6.9% and
one month ago for the week of 2025-05-15, the
average rate was 7.07%.
Nacogdoches's average rate one year ago was 7.21%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.71%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Nacogdoches 30 Year Fixed Rate | 2025-06-18 | 6.87% |
| Nacogdoches 30 Year Fixed Rate Refi | 2025-06-18 | 6.71% |
| Nacogdoches 15 Year Fixed Rate | 2025-06-18 | 5.86% |
| Nacogdoches 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Nacogdoches 30 Year FHA | 2025-06-18 | 0.2% |
| Nacogdoches 30 Year FHA Refi | 2025-06-18 | 0.1% |
| Nacogdoches 30 Year USDA | 2025-06-18 | -0.2% |
| Nacogdoches 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Nacogdoches 30 Year VA | 2025-06-18 | 0.1% |
| Nacogdoches 30 Year VA Refi | 2025-06-18 | 0.2% |
Nacogdoches 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 Nacogdoches, 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.).
Nacogdoches Average Closing Costs & Other Stats
Nacogdoches, TX's 61 lenders originated 675
loans during 2024. The total origination value was $146,205,000, with an average loan value of
$216,600.
Nacogdoches's average closing costs are $5,373.
The top Nacogdoches lender as defined by loan originations is Commercial Bank of Texas, with
43 loans originated. Their average total fees are
$4,685, which is $2,202
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Nacogdoches lenders (with over 10 loans originated) are
Austin Bank, Texas ($4,460), Commercial Bank of Texas ($4,685), BancorpSouth ($5,526), QUICKEN LOANS, LLC ($6,887) and UNITED WHOLESALE MORTGAGE, LLC ($8,145).
The lowest rate Nacogdoches lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.72%), BancorpSouth (6.76%), Austin Bank, Texas (6.94%), QUICKEN LOANS, LLC (6.94%) and Commercial Bank of Texas (7.06%).
Nacogdoches, 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 |
|---|---|---|---|---|
| Commercial Bank of Texas | $24,865,000 | $29,835,000 | 20.0% | 20.4% |
| Austin Bank, Texas | $10,745,000 | $11,195,000 | 4.2% | 7.7% |
| BancorpSouth | $10,810,000 | $10,680,000 | -1.2% | 7.3% |
| QUICKEN LOANS, LLC | $7,540,000 | $10,190,000 | 35.1% | 7.0% |
| UNITED WHOLESALE MORTGAGE, LLC | $3,835,000 | $5,885,000 | 53.5% | 4.0% |
| 21ST MORTGAGE CORPORATION | $2,640,000 | $5,425,000 | 105.5% | 3.7% |
| Citizens 1st Bank | $2,265,000 | $3,935,000 | 73.7% | 2.7% |
| FREEDOM MORTGAGE CORPORATION | $3,105,000 | n/a | 2.1% | |
| NATIONS RELIABLE LENDING, LLC | $3,105,000 | n/a | 2.1% | |
| Southside Bank | $2,590,000 | $2,960,000 | 14.3% | 2.0% |
| CMG MORTGAGE, INC. | $1,415,000 | $2,865,000 | 102.5% | 2.0% |
| Mortgage Research Center, LLC | $3,410,000 | $2,750,000 | -19.4% | 1.9% |
| GUILD MORTGAGE COMPANY | $1,100,000 | $2,640,000 | 140.0% | 1.8% |
| Regions Bank | $1,790,000 | $2,250,000 | 25.7% | 1.5% |
| Legacy Bank & Trust Company | $2,240,000 | n/a | 1.5% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,930,000 | $2,115,000 | 9.6% | 1.4% |
| NAVY FEDERAL CREDIT UNION | $165,000 | $1,790,000 | 984.8% | 1.2% |
| EAST TEXAS PROFESSIONAL Credit Union | $3,225,000 | $1,740,000 | -46.0% | 1.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $165,000 | $1,385,000 | 739.4% | 0.9% |
| Flagstar Bank, FSB | $1,600,000 | $1,200,000 | -25.0% | 0.8% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $900,000 | $1,150,000 | 27.8% | 0.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $605,000 | $1,135,000 | 87.6% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $530,000 | $1,095,000 | 106.6% | 0.7% |
| MORTGAGE FINANCIAL SERVICES, LLC | $685,000 | $1,070,000 | 56.2% | 0.7% |
| LOANDEPOT.COM, LLC | $905,000 | $1,025,000 | 13.3% | 0.7% |
| Alcova Mortgage LLC | $990,000 | n/a | 0.7% | |
| Mr. Cooper ( Nationstar Mortgage ) | $310,000 | $985,000 | 217.7% | 0.7% |
| VAN DYK MORTGAGE CORPORATION | $440,000 | $985,000 | 123.9% | 0.7% |
| NEWREZ LLC | $735,000 | $980,000 | 33.3% | 0.7% |
| CROSSCOUNTRY MORTGAGE, LLC | $570,000 | $965,000 | 69.3% | 0.7% |
| EVERETT FINANCIAL, INC. | $905,000 | n/a | 0.6% | |
| Network Funding, L.P. | $865,000 | n/a | 0.6% | |
| TRIAD FINANCIAL SERVICES, INC. | $1,595,000 | $830,000 | -48.0% | 0.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $145,000 | $795,000 | 448.3% | 0.5% |
| Farm Credit Mid-America, ACA | $860,000 | $750,000 | -12.8% | 0.5% |
| First Financial Bank | $750,000 | n/a | 0.5% | |
| UNITED BUILT HOMES, L.L.C. | $740,000 | n/a | 0.5% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $2,285,000 | $715,000 | -68.7% | 0.5% |
| USAA Federal Savings Bank | $235,000 | $715,000 | 204.3% | 0.5% |
| LOANPAL, LLC | $830,000 | $710,000 | -14.5% | 0.5% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $340,000 | $680,000 | 100.0% | 0.5% |
| Paramount Residential Mortgage Group, Inc. | $235,000 | $620,000 | 163.8% | 0.4% |
| First United Bank and Trust Company | $420,000 | $610,000 | 45.2% | 0.4% |
| GUARANTEED RATE, INC. | $560,000 | n/a | 0.4% | |
| Ameris Bank | $515,000 | n/a | 0.4% | |
| UNION HOME MORTGAGE CORP. | $280,000 | $480,000 | 71.4% | 0.3% |
| MOVEMENT MORTGAGE, LLC | $460,000 | n/a | 0.3% | |
| UBank | $1,925,000 | $460,000 | -76.1% | 0.3% |
| SWBC MORTGAGE CORPORATION | $245,000 | $435,000 | 77.6% | 0.3% |
| RANDOLPH-BROOKS | $400,000 | n/a | 0.3% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $395,000 | n/a | 0.3% | |
| JPMorgan Chase Bank | $1,010,000 | $385,000 | -61.9% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $375,000 | n/a | 0.3% | |
| EASTMAN | $290,000 | $365,000 | 25.9% | 0.2% |
| Texas Bank | $165,000 | $360,000 | 118.2% | 0.2% |
| First State Bank | $355,000 | n/a | 0.2% | |
| CARDINAL FINANCIAL | $605,000 | $335,000 | -44.6% | 0.2% |
| T2 FINANCIAL LLC | $335,000 | n/a | 0.2% | |
| LAKEVIEW LOAN SERVICING, LLC | $185,000 | $325,000 | 75.7% | 0.2% |
| PHH Mortgage Corporation | $315,000 | n/a | 0.2% | |
| SOUTHWEST STAGE FUNDING, LLC | $590,000 | $310,000 | -47.5% | 0.2% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $600,000 | $300,000 | -50.0% | 0.2% |
| Waterstone Mortgage Corporation | $295,000 | n/a | 0.2% | |
| BROKER SOLUTIONS, INC. | $595,000 | $280,000 | -52.9% | 0.2% |
| CHURCHILL MORTGAGE CORPORATION | $420,000 | $275,000 | -34.5% | 0.2% |
| Lakeview Community Capital, LLC | $275,000 | n/a | 0.2% | |
| Mid-Continent Funding, Inc. | $275,000 | n/a | 0.2% | |
| JMAC LENDING, INC. | $245,000 | n/a | 0.2% | |
| MORTGAGE ACCESS CORP. | $245,000 | n/a | 0.2% | |
| NECHES | $115,000 | $245,000 | 113.0% | 0.2% |
| AmeriHome Mortgage Company, LLC | $215,000 | $240,000 | 11.6% | 0.2% |
| Texas Mortgage Lending, LLC | $225,000 | n/a | 0.2% | |
| NexBank | $215,000 | n/a | 0.1% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $215,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $75,000 | $215,000 | 186.7% | 0.1% |
| STOCKTON MORTGAGE CORPORATION | $205,000 | $215,000 | 4.9% | 0.1% |
| Amarillo National Bank | $205,000 | n/a | 0.1% | |
| CORNERSTONE HOME LENDING, INC. | $185,000 | n/a | 0.1% | |
| Kwik Mortgage Corporation | $185,000 | n/a | 0.1% | |
| Credit Union of Texas | $160,000 | n/a | 0.1% | |
| HALLMARK HOME MORTGAGE, LLC | $145,000 | n/a | 0.1% | |
| PILGRIM MORTGAGE LLC | $145,000 | $145,000 | 0.0% | 0.1% |
| TEXANS | $145,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $295,000 | $125,000 | -57.6% | 0.1% |
| U.S. Bank | $125,000 | n/a | 0.1% | |
| OAKTREE FUNDING CORP. | $115,000 | n/a | 0.1% | |
| AMPLIFY | $105,000 | n/a | 0.1% | |
| CSL Financial, LLC | $105,000 | n/a | 0.1% | |
| United Heritage Credit Union | $105,000 | n/a | 0.1% | |
| First National Bank Texas | $95,000 | n/a | 0.1% | |
| Wells Fargo Bank | $75,000 | $95,000 | 26.7% | 0.1% |
| Bank of America | $370,000 | $85,000 | -77.0% | 0.1% |
| FINANCE OF AMERICA REVERSE LLC | $85,000 | n/a | 0.1% | |
| Sabine State Bank and Trust Company | $85,000 | n/a | 0.1% | |
| Third Coast Bank SSB | $85,000 | n/a | 0.1% | |
| American National Bank & Trust | $75,000 | n/a | 0.1% | |
| SECURITY SERVICE | $75,000 | n/a | 0.1% | |
| S1L, Inc. | $65,000 | n/a | 0.0% | |
| Figure Lending LLC | $55,000 | n/a | 0.0% | |
| The First National Bank of Hughes Springs | $45,000 | n/a | 0.0% |
Nacogdoches's top lender by overall market share is Commercial Bank of Texas, with 20.4% market share. In second place, with 7.7%, is Austin Bank, Texas, having originated $11,195,000 in loans. In third place, with 7.3%, is BancorpSouth, having originated $10,680,000 in loans. In fourth place, with 7.0%, is QUICKEN LOANS, LLC, having originated $10,190,000 in loans. In fifth place, with 4.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $5,885,000 in loans.
Nacogdoches, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 496 | $117,880,000 | $237,661 |
| Cash Out Refi | 54 | $8,840,000 | $163,704 |
| Refi | 50 | $12,020,000 | $240,400 |
| Other | 42 | $5,010,000 | $119,286 |
| Home Improvement | 33 | $2,455,000 | $74,394 |
Nacogdoches's most frequently cited loan purpose was Home Purchase, with 496 originations. The 2nd most popular reason was Cash Out Refi, with 54 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 247 | $59,245,000 | $239,858 |
| 7-8% | 166 | $41,580,000 | $250,482 |
| Over 8% | 153 | $19,815,000 | $129,510 |
| 5-6% | 64 | $16,020,000 | $250,313 |
| 4-5% | 6 | $1,700,000 | $283,333 |
| <2.5% | 1 | $5,000 | $5,000 |
During 2024, Nacogdoches's most frequently originated rate bucket was 6-7%, with 247 originations.
Loan Sizing (Nacogdoches, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100k-200k | 248 | $37,190,000 | $149,960 |
| $200k-400k | 237 | $65,515,000 | $276,435 |
| $100,000 or less | 139 | $8,665,000 | $62,338 |
| $400k-600k | 40 | $19,420,000 | $485,500 |
| $600k-1000k | 8 | $5,670,000 | $708,750 |
| $Over $1MM | 3 | $9,745,000 | $3,248,333 |
Nacogdoches's loan sizing saw the bucket of loans from $100k-200k with 248 originations, totaling $37,190,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 330 | $76,660,000 | $232,303 |
| 60-80% | 149 | $32,365,000 | $217,215 |
| 20-40% | 56 | $6,160,000 | $110,000 |
| 40-60% | 55 | $16,715,000 | $303,909 |
| Under 20% | 32 | $1,700,000 | $53,125 |
| Over 100% | 9 | $3,105,000 | $345,000 |
Nacogdoches's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 330 originations, totaling $76,660,000 in origination value.