Nacogdoches Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Nacogdoches averaged 6.98% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

The average rate for the prior week (2023-11-16) was 7.33% and one month ago for the week of 2023-10-19, the average rate was 7.42%.

Nacogdoches's average rate one year ago was 6.6%.

For refis of the same type during the week of 2023-11-22, the average rate was 7.59%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-11-22 7.29%
Nacogdoches 30 Year Fixed Rate 2023-11-22 6.98%
Nacogdoches 30 Year Fixed Rate Refi 2023-11-22 7.59%
Nacogdoches 15 Year Fixed Rate 2023-11-22 6.67%
Nacogdoches 15 Year Fixed Rate Refi 2023-11-22 6.77%
Nacogdoches 30 Year FHA 2023-11-22 0.1%
Nacogdoches 30 Year FHA Refi 2023-11-22 -0.2%
Nacogdoches 30 Year USDA 2023-11-22 0.2%
Nacogdoches 30 Year USDA Refi 2023-11-22 -0.2%
Nacogdoches 30 Year VA 2023-11-22 -0.1%
Nacogdoches 30 Year VA Refi 2023-11-22 0.1%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Nacogdoches, TX.

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.).

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Commercial Bank of Texas 72 5.06% $4,549
BancorpSouth 42 5.01% $5,189
Austin Bank, Texas 36 5.18% $3,900
QUICKEN LOANS, LLC 33 5.24% $6,071
Regions Bank 12 5.34% $5,213
UNITED WHOLESALE MORTGAGE, LLC 8 4.66% $6,387
Southside Bank 8 6.14% $3,565
Flagstar Bank, FSB 6 5.10% $7,083
EAST TEXAS PROFESSIONAL Credit Union 4 4.63% $3,318
U.S. Bank 4 4.03% $4,605
AMCAP MORTGAGE, LTD. 4 5.13% $5,593
PENNYMAC LOAN SERVICES, LLC 4 5.34% $6,712
LOANDEPOT.COM, LLC 4 4.41% $4,063
GUARANTEED RATE, INC. 4 5.20% $7,162
Ally Bank 3 4.42% $2,863
CROSSCOUNTRY MORTGAGE, LLC 3 6.11% $5,854
EVERETT FINANCIAL, INC. 3 5.17% $2,545
FREEDOM MORTGAGE CORPORATION 3 3.71% $4,508
GUILD MORTGAGE COMPANY 3 5.87% $8,510
HOME POINT FINANCIAL CORPORATION 3 4.04% $6,387
JPMorgan Chase Bank 3 5.13% $4,067
Wells Fargo Bank 3 3.83% $11,482
Morgan Stanley Private Bank 2 3.58% $6,522
BETTER MORTGAGE CORPORATION 2 4.63% $5,464
TEXAS DOW EMPLOYEES CREDIT UNION 2 6.38% $6,717
Bank of America 2 5.25% $4,536
Watermark Capital, Inc. 2 4.99% $4,916
BROKER SOLUTIONS, INC. 2 4.62% $12,055
Mr. Cooper ( Nationstar Mortgage ) 2 4.75% $7,024
LOANPAL, LLC 2 3.87% $5,450
Citizens Bank 2 4.50% $5,488
CARDINAL FINANCIAL 2 5.88% $6,880
CORNERSTONE HOME LENDING, INC. 2 5.00% $4,744
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 6.50% $4,477
GUARANTEED RATE AFFINITY, LLC 1 5.18% $3,257
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.75% $4,782
ZILLOW HOME LOANS, LLC 1 5.50% $4,095
HOMESIDE FINANCIAL, LLC 1 3.50% $4,710
WILLOW BEND MORTGAGE COMPANY, LLC 1 4.88% $5,480
JSC 1 6.00% $4,306
Austin Capital Bank SSB 1 7.50% $8,823
MASON MCDUFFIE MORTGAGE CORPORATION 1 4.75% $4,069
MEMBER HOME LOAN, L.L.C. 1 3.50% $3,583
MEMBERS CHOICE Credit Union 1 4.90% $6,122
MORIA DEVELOPMENT, INC. 1 3.75% $3,931
Mortgage Research Center, LLC 1 5.88% $8,711
MOVEMENT MORTGAGE, LLC 1 5.44% $5,919
Nations Lending Corporation 1 5.99% $7,422
NAVY FEDERAL CREDIT UNION 1 4.38% $4,914
NBH Bank 1 5.50% $1,035
NTFN, INC. 1 5.38% $5,912
ASPIRE FINANCIAL, INC. 1 5.99% $6,763
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 2.75% $9,895
Prosperity Bank 1 3.63% $4,462
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.13% $2,893
RANDOLPH-BROOKS 1 6.88% $3,985
AMERISAVE MORTGAGE CORPORATION 1 5.13% $3,446
ROYAL UNITED MORTGAGE LLC 1 5.25% $12,556
SFMC, LP 1 6.00% $6,154
Sierra Pacific Mortgage Company, Inc. 1 4.75% $14,560
AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.13% $8,509
Texas Bank and Trust Company 1 3.38% $3,381
The Central Trust Bank 1 4.63% $10,132
THRIVE MORTGAGE, LLC 1 6.13% $10,728
CALCON MUTUAL MORTGAGE LLC 1 5.75% $11,856
CALIBER HOME LOANS, INC. 1 3.25% $5,136
Capitol Federal Savings Bank 1 3.00% $18,166
Carrington Mortgage Services, LLC 1 8.63% $12,219
CERTAINTY HOME LOANS, LLC 1 3.99% $3,535
Centennial Bank 1 5.00% $3,878
CHURCHILL MORTGAGE CORPORATION 1 3.38% $6,169
City Bank 1 3.50% $4,742
CMG MORTGAGE, INC. 1 6.99% $12,803
BOKF 1 3.75% $4,450
Encompass Lending Group, LP 1 4.50% $6,006
UNIVERSITY Federal Credit Union 1 2.75% $5,413
Farm Credit Mid-America, ACA 1 6.88% $15,505
First Financial Bank 1 5.13% $5,261
First United Bank and Trust Company 1 6.50% $9,728
Beeline Loans, Inc. 1 6.99% $2,223
ALTRA 1 6.23% $3,320

Nacogdoches Average Closing Costs & Other Stats

Nacogdoches, TX's 81 lenders originated 814 loans during 2022. The total origination value was $177,310,000, with an average loan value of $217,826.

Nacogdoches's average closing costs are $4,899.

The top Nacogdoches lender as defined by loan originations is Commercial Bank of Texas, with 72 loans originated. Their average total fees are $4,549, which is $640 lower than the next largest lender, BancorpSouth.

The lowest fee Nacogdoches lenders (with over 10 loans originated) are Austin Bank, Texas ($3,900), Commercial Bank of Texas ($4,549), BancorpSouth ($5,189), Regions Bank ($5,213) and QUICKEN LOANS, LLC ($6,071).

The lowest rate Nacogdoches lenders (with over 10 loans originated) are BancorpSouth (5.01%), Commercial Bank of Texas (5.06%), Austin Bank, Texas (5.18%), QUICKEN LOANS, LLC (5.24%) and Regions Bank (5.34%).

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
Commercial Bank of Texas $43,995,000 $36,525,000 -17.0% 20.6%
BancorpSouth Bank $25,710,000 $16,855,000 -34.4% 9.5%
Austin Bank, Texas $14,535,000 $16,220,000 11.6% 9.1%
QUICKEN LOANS, LLC $16,325,000 $10,655,000 -34.7% 6.0%
NBH Bank $4,760,000 n/a 2.7%
UNITED WHOLESALE MORTGAGE, LLC $3,130,000 $4,730,000 51.1% 2.7%
Capital One $4,215,000 n/a 2.4%
21ST MORTGAGE CORPORATION $2,285,000 $2,940,000 28.7% 1.7%
Citizens 1st Bank $6,095,000 $2,915,000 -52.2% 1.6%
Regions Bank $4,750,000 $2,675,000 -43.7% 1.5%
UBank $1,940,000 $2,600,000 34.0% 1.5%
Flagstar Bank, FSB $2,785,000 $2,450,000 -12.0% 1.4%
NAVY FEDERAL CREDIT UNION $350,000 $2,405,000 587.1% 1.4%
American State Bank $1,675,000 $2,390,000 42.7% 1.3%
Southside Bank $6,245,000 $2,345,000 -62.4% 1.3%
Prosperity Bank $1,050,000 $1,970,000 87.6% 1.1%
EVERETT FINANCIAL, INC. $300,000 $1,845,000 515.0% 1.0%
GUILD MORTGAGE COMPANY $2,880,000 $1,510,000 -47.6% 0.9%
EAST TEXAS PROFESSIONAL Credit Union $1,360,000 $1,480,000 8.8% 0.8%
AMCAP MORTGAGE, LTD. $5,050,000 $1,400,000 -72.3% 0.8%
Washington Federal Bank $1,395,000 n/a 0.8%
U.S. Bank $1,355,000 n/a 0.8%
GUARANTEED RATE, INC. $740,000 $1,345,000 81.8% 0.8%
Mortgage Research Center, LLC $2,530,000 $1,335,000 -47.2% 0.8%
Wells Fargo Bank $2,355,000 $1,330,000 -43.5% 0.8%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,150,000 $1,245,000 -42.1% 0.7%
CMG MORTGAGE, INC. $1,030,000 $1,240,000 20.4% 0.7%
TRIAD FINANCIAL SERVICES, INC. $450,000 $1,110,000 146.7% 0.6%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $370,000 $1,100,000 197.3% 0.6%
Morgan Stanley Private Bank $1,100,000 n/a 0.6%
BROKER SOLUTIONS, INC. $575,000 $1,035,000 80.0% 0.6%
PENNYMAC LOAN SERVICES, LLC $1,910,000 $1,035,000 -45.8% 0.6%
JPMorgan Chase Bank $1,915,000 $1,005,000 -47.5% 0.6%
CALIBER HOME LOANS, INC. $1,860,000 $990,000 -46.8% 0.6%
HOME POINT FINANCIAL CORPORATION $700,000 $970,000 38.6% 0.5%
FREEDOM MORTGAGE CORPORATION $4,480,000 $915,000 -79.6% 0.5%
First United Bank and Trust Company $300,000 $910,000 203.3% 0.5%
Farm Credit Mid-America, ACA $1,155,000 $895,000 -22.5% 0.5%
LOANDEPOT.COM, LLC $3,700,000 $860,000 -76.8% 0.5%
NTFN, INC. $3,870,000 $840,000 -78.3% 0.5%
First Financial Bank $370,000 $820,000 121.6% 0.5%
MOVEMENT MORTGAGE, LLC $265,000 $810,000 205.7% 0.5%
Mr. Cooper ( Nationstar Mortgage ) $1,700,000 $795,000 -53.2% 0.4%
Capitol Federal Savings Bank $775,000 n/a 0.4%
AMWEST FUNDING CORP. $720,000 n/a 0.4%
UNITED BUILT HOMES, L.L.C. $285,000 $690,000 142.1% 0.4%
OVM FINANCIAL, INC. $780,000 $685,000 -12.2% 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $670,000 n/a 0.4%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $195,000 $645,000 230.8% 0.4%
ORIX REAL ESTATE CAPITAL, LLC $625,000 n/a 0.4%
CHURCHILL MORTGAGE CORPORATION $470,000 $610,000 29.8% 0.3%
Ally Bank $95,000 $595,000 526.3% 0.3%
Watermark Capital, Inc. $520,000 $570,000 9.6% 0.3%
NEWREZ LLC $465,000 $560,000 20.4% 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,675,000 $540,000 -67.8% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $530,000 n/a 0.3%
ROYAL UNITED MORTGAGE LLC $700,000 $505,000 -27.9% 0.3%
TEXAS DOW EMPLOYEES CREDIT UNION $500,000 n/a 0.3%
SOUTHWEST STAGE FUNDING, LLC $670,000 $490,000 -26.9% 0.3%
WILLOW BEND MORTGAGE COMPANY, LLC $490,000 n/a 0.3%
LOANPAL, LLC $475,000 n/a 0.3%
Goldwater Bank, N.A. $205,000 $455,000 122.0% 0.3%
North American Savings Bank, F.S.B. $455,000 n/a 0.3%
The Central Trust Bank $435,000 n/a 0.2%
THRIVE MORTGAGE, LLC $250,000 $425,000 70.0% 0.2%
GENEVA FINANCIAL, LLC $420,000 n/a 0.2%
ASPIRE FINANCIAL, INC. $260,000 $410,000 57.7% 0.2%
BETTER MORTGAGE CORPORATION $2,055,000 $410,000 -80.0% 0.2%
AMERICAN PACIFIC MORTGAGE CORPORATION $400,000 n/a 0.2%
CROSSCOUNTRY MORTGAGE, LLC $540,000 $395,000 -26.9% 0.2%
USAA Federal Savings Bank $415,000 $390,000 -6.0% 0.2%
CORNERSTONE HOME LENDING, INC. $535,000 $380,000 -29.0% 0.2%
PLANET HOME LENDING, LLC $340,000 $370,000 8.8% 0.2%
Bank of America $1,005,000 $350,000 -65.2% 0.2%
COUNTRYPLACE MORTGAGE, LTD. $230,000 $345,000 50.0% 0.2%
AMERISAVE MORTGAGE CORPORATION $1,565,000 $340,000 -78.3% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $710,000 $340,000 -52.1% 0.2%
NATIONS RELIABLE LENDING, LLC $375,000 $330,000 -12.0% 0.2%
SFMC, LP $1,305,000 $320,000 -75.5% 0.2%
Citizens Bank $360,000 $310,000 -13.9% 0.2%
GUARANTEED RATE AFFINITY, LLC $215,000 $305,000 41.9% 0.2%
The First National Bank of Albany $305,000 n/a 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $375,000 $295,000 -21.3% 0.2%
CALCON MUTUAL MORTGAGE LLC $485,000 $295,000 -39.2% 0.2%
Sierra Pacific Mortgage Company, Inc. $295,000 n/a 0.2%
AMERICAN FINANCING CORPORATION $780,000 $275,000 -64.7% 0.2%
Gateway First Bank $2,315,000 $275,000 -88.1% 0.2%
RANDOLPH-BROOKS $215,000 $255,000 18.6% 0.1%
The City National Bank of Sulphur Springs $235,000 $250,000 6.4% 0.1%
DUGOOD FEDERAL CREDIT UNION $245,000 n/a 0.1%
NBKC BANK $245,000 n/a 0.1%
UNIVERSITY Federal Credit Union $245,000 n/a 0.1%
Austin Capital Bank SSB $235,000 n/a 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $235,000 n/a 0.1%
PENTAGON FEDERAL CREDIT UNION $235,000 n/a 0.1%
MOBILOIL $225,000 n/a 0.1%
SUN WEST MORTGAGE COMPANY, INC. $225,000 n/a 0.1%
Carrington Mortgage Services, LLC $155,000 $215,000 38.7% 0.1%
HANCOCK MORTGAGE PARTNERS, LLC $215,000 n/a 0.1%
MORTGAGE FINANCIAL SERVICES, LLC $1,965,000 $215,000 -89.1% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $215,000 n/a 0.1%
DHI MORTGAGE COMPANY, LTD. $205,000 n/a 0.1%
Centennial Bank $195,000 n/a 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,570,000 $195,000 -87.6% 0.1%
CERTAINTY HOME LOANS, LLC $185,000 $185,000 0.0% 0.1%
GMFS LLC $430,000 $185,000 -57.0% 0.1%
Texas Bank and Trust Company $185,000 n/a 0.1%
City Bank $660,000 $175,000 -73.5% 0.1%
Equity Prime Mortgage LLC $165,000 $175,000 6.1% 0.1%
MASON MCDUFFIE MORTGAGE CORPORATION $175,000 n/a 0.1%
Nations Lending Corporation $125,000 $175,000 40.0% 0.1%
Plains Commerce Bank $175,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $150,000 $170,000 13.3% 0.1%
ALTRA $245,000 $165,000 -32.7% 0.1%
Cornerstone First Mortgage, Inc $165,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $205,000 $145,000 -29.3% 0.1%
BOKF $275,000 $145,000 -47.3% 0.1%
MEMBER HOME LOAN, L.L.C. $145,000 n/a 0.1%
Texas National Bank of Jacksonville $55,000 $145,000 163.6% 0.1%
The Moody National Bank $405,000 $145,000 -64.2% 0.1%
Encompass Lending Group, LP $370,000 $135,000 -63.5% 0.1%
LONGBRIDGE FINANCIAL, LLC $135,000 n/a 0.1%
PNC Bank $130,000 n/a 0.1%
JSC $125,000 $125,000 0.0% 0.1%
WESTCOAST MORTGAGE GROUP AND REALTY COMPANY $125,000 n/a 0.1%
VeraBank $615,000 $115,000 -81.3% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $105,000 n/a 0.1%
Beeline Loans, Inc. $105,000 n/a 0.1%
HOMESIDE FINANCIAL, LLC $145,000 $105,000 -27.6% 0.1%
MEMBERS CHOICE Credit Union $105,000 n/a 0.1%
M&T Bank $95,000 n/a 0.1%
Texas Bank $585,000 $95,000 -83.8% 0.1%
MORIA DEVELOPMENT, INC. $85,000 n/a 0.0%
CSL Financial, LLC $75,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $275,000 $75,000 -72.7% 0.0%
PHH Mortgage Corporation $65,000 n/a 0.0%
AMERICAN ADVISORS GROUP $25,000 n/a 0.0%

Nacogdoches's top lender by overall market share is Commercial Bank of Texas, with 20.6% market share. In second place, with 9.5%, is BancorpSouth Bank, having originated $16,855,000 in loans. In third place, with 9.1%, is Austin Bank, Texas, having originated $16,220,000 in loans. In fourth place, with 6.0%, is QUICKEN LOANS, LLC, having originated $10,655,000 in loans. In fifth place, with 2.7%, is NBH Bank, having originated $4,760,000 in loans.


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

Realtor.com - Nacogdoches (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 $180,750 (-1.2%) $226,365 (-4.7%) 0.00 186
2018-02-01 $174,950 (-3.8%) $227,993 (-3.9%) 0.00 186
2018-03-01 $194,900 (5.4%) $233,468 (-2.8%) 0.00 196
2018-04-01 $185,475 (-2.3%) $225,932 (-8.5%) 0.00 206
2018-05-01 $184,125 (-5.3%) $223,826 (-8.5%) 0.00 202
2018-06-01 $194,500 (-3.2%) $241,179 (-5.4%) 0.00 210
2018-07-01 $198,750 (-5.0%) $239,811 (-2.3%) 0.00 202
2018-08-01 $199,500 (-0.3%) $247,154 (3.1%) 0.00 196
2018-09-01 $213,500 (7.8%) $254,910 (8.1%) 0.00 171
2018-10-01 $210,125 (7.2%) $263,135 (10.2%) 0.00 166
2018-11-01 $208,750 (19.3%) $258,034 (10.2%) 0.00 168
2018-12-01 $209,000 (14.8%) $261,724 (11.7%) 0.00 160
2019-01-01 $216,750 (19.9%) $261,343 (15.5%) 0.00 152
2019-02-01 $208,450 (19.2%) $253,502 (11.2%) 0.00 164
2019-03-01 $213,714 (9.7%) $257,997 (10.5%) 0.00 168
2019-04-01 $209,600 (13.0%) $255,915 (13.3%) 0.00 170
2019-05-01 $209,925 (14.0%) $271,728 (21.4%) 0.00 155
2019-06-01 $199,925 (2.8%) $269,626 (11.8%) 0.00 151
2019-07-01 $209,450 (5.4%) $274,330 (14.4%) 0.00 163
2019-08-01 $223,182 (11.9%) $279,324 (13.0%) 0.00 166
2019-09-01 $235,455 (10.3%) $286,684 (12.5%) 0.00 160
2019-10-01 $246,475 (17.3%) $294,485 (11.9%) 0.00 153
2019-11-01 $259,900 (24.5%) $297,801 (15.4%) 0.00 144
2019-12-01 $233,875 (11.9%) $290,473 (11.0%) 0.00 142
2020-01-01 $216,000 (-0.4%) $283,241 (8.4%) 0.00 133
2020-02-01 $198,900 (-4.6%) $252,929 (-0.2%) 0.00 139
2020-03-01 $197,500 (-7.6%) $254,916 (-1.2%) 0.00 148
2020-04-01 $218,750 (4.4%) $281,070 (9.8%) 0.00 142
2020-05-01 $219,000 (4.3%) $282,191 (3.9%) 0.00 136
2020-06-01 $233,650 (16.9%) $302,352 (12.1%) 0.00 118
2020-07-01 $271,175 (29.5%) $337,025 (22.9%) 0.00 104
2020-08-01 $290,500 (30.2%) $339,548 (21.6%) 0.00 93
2020-09-01 $284,450 (20.8%) $357,951 (24.9%) 0.00 98
2020-10-01 $269,900 (9.5%) $324,685 (10.3%) 0.00 109
2020-11-01 $259,900 (0.0%) $350,761 (17.8%) 0.00 99
2020-12-01 $232,475 (-0.6%) $333,819 (14.9%) 0.00 87
2021-01-01 $253,000 (17.1%) $341,116 (20.4%) 0.00 83
2021-02-01 $270,875 (36.2%) $358,241 (41.6%) 0.00 85
2021-03-01 $276,000 (39.8%) $358,922 (40.8%) 0.00 73
2021-04-01 $252,475 (15.4%) $376,521 (34.0%) 0.00 62
2021-05-01 $259,000 (18.3%) $384,235 (36.2%) 0.00 57
2021-06-01 $262,700 (12.4%) $422,396 (39.7%) 0.00 70
2021-07-01 $299,000 (10.3%) $402,551 (19.4%) 0.00 76
2021-08-01 $280,675 (-3.4%) $383,660 (13.0%) 0.00 79
2021-09-01 $266,100 (-6.5%) $367,835 (2.8%) 0.00 84
2021-10-01 $275,900 (2.2%) $365,638 (12.6%) 0.00 77
2021-11-01 $288,550 (11.0%) $377,512 (7.6%) 0.00 75
2021-12-01 $292,300 (25.7%) $385,211 (15.4%) 0.00 59
2022-01-01 $254,500 (0.6%) $349,549 (2.5%) 0.00 62
2022-02-01 $287,125 (6.0%) $383,172 (7.0%) 0.00 55
2022-03-01 $280,625 (1.7%) $449,898 (25.4%) 0.00 50
2022-04-01 $264,000 (4.6%) $338,451 (-10.1%) 0.00 50
2022-05-01 $253,675 (-2.1%) $313,456 (-18.4%) 0.00 52
2022-06-01 $258,675 (-1.5%) $382,307 (-9.5%) 0.00 64
2022-07-01 $248,500 (-16.9%) $392,831 (-2.4%) 0.00 70
2022-08-01 $286,125 (1.9%) $406,048 (5.8%) 0.00 86
2022-09-01 $283,700 (6.6%) $406,141 (10.4%) 0.00 86
2022-10-01 $279,500 (1.3%) $370,091 (1.2%) 0.00 100
2022-11-01 $299,225 (3.7%) $384,520 (1.9%) 0.00 100
2022-12-01 $260,000 (-11.1%) $344,783 (-10.5%) 0.00 99
2023-01-01 $271,174 (6.6%) $338,188 (-3.3%) 0.00 90
2023-02-01 $264,924 (-7.7%) $341,368 (-10.9%) 0.00 81
2023-03-01 $257,500 (-8.2%) $351,098 (-22.0%) 0.00 75
2023-04-01 $259,800 (-1.6%) $368,015 (8.7%) 0.00 73
2023-05-01 $254,575 (0.4%) $363,985 (16.1%) 0.00 74
2023-06-01 $305,500 (18.1%) $375,122 (-1.9%) 0.00 89
2023-07-01 $295,000 (18.7%) $368,237 (-6.3%) 0.00 91
2023-08-01 $292,450 (2.2%) $351,082 (-13.5%) 0.00 98
2023-09-01 $269,500 (-5.0%) $325,894 (-19.8%) 0.00 107
2023-10-01 $275,000 (-1.6%) $321,549 (-13.1%) 0.00 122
Nacogdoches's median listing price for 2023-10-01 was $275,000, a difference of $-4,500 (-1.6%) versus the prior year and $5,500 versus the prior month.

Nacogdoches's median listing price comes in at 0% of the national average.

Nacogdoches's average listing price for 2023-10-01 was $321,549, a difference of $-48,542 (-13.1%) versus the prior year and $-4,345 versus the prior month.

For the 2023-10-01 period, Nacogdoches had 122 MLS listings, a difference of 15 listings (14%) versus the prior month and 22 listings (22%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Nacogdoches (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,955 sqft
2018-02-01 0 days 1,950 sqft
2018-03-01 0 days 2,056 sqft
2018-04-01 0 days 2,001 sqft
2018-05-01 0 days 1,962 sqft
2018-06-01 0 days 2,050 sqft
2018-07-01 0 days 2,072 sqft
2018-08-01 0 days 2,067 sqft
2018-09-01 0 days 2,089 sqft
2018-10-01 0 days 2,125 sqft
2018-11-01 0 days 2,169 sqft
2018-12-01 0 days 2,080 sqft
2019-01-01 0 days 2,080 sqft
2019-02-01 0 days 2,077 sqft
2019-03-01 0 days 2,134 sqft
2019-04-01 0 days 2,140 sqft
2019-05-01 0 days 2,181 sqft
2019-06-01 0 days 2,173 sqft
2019-07-01 0 days 2,108 sqft
2019-08-01 0 days 2,127 sqft
2019-09-01 0 days 2,169 sqft
2019-10-01 0 days 2,227 sqft
2019-11-01 0 days 2,243 sqft
2019-12-01 0 days 2,200 sqft
2020-01-01 0 days 2,190 sqft
2020-02-01 0 days 2,092 sqft
2020-03-01 0 days 1,989 sqft
2020-04-01 0 days 2,223 sqft
2020-05-01 0 days 2,200 sqft
2020-06-01 0 days 2,323 sqft
2020-07-01 0 days 2,443 sqft
2020-08-01 0 days 2,478 sqft
2020-09-01 0 days 2,390 sqft
2020-10-01 0 days 2,172 sqft
2020-11-01 0 days 2,080 sqft
2020-12-01 0 days 1,958 sqft
2021-01-01 0 days 2,050 sqft
2021-02-01 0 days 2,017 sqft
2021-03-01 0 days 1,984 sqft
2021-04-01 0 days 2,132 sqft
2021-05-01 0 days 2,073 sqft
2021-06-01 0 days 2,001 sqft
2021-07-01 0 days 2,260 sqft
2021-08-01 0 days 2,278 sqft
2021-09-01 0 days 2,220 sqft
2021-10-01 0 days 2,222 sqft
2021-11-01 0 days 2,282 sqft
2021-12-01 0 days 2,323 sqft
2022-01-01 0 days 2,029 sqft
2022-02-01 0 days 2,265 sqft
2022-03-01 0 days 2,297 sqft
2022-04-01 0 days 2,003 sqft
2022-05-01 0 days 1,881 sqft
2022-06-01 0 days 1,909 sqft
2022-07-01 0 days 2,020 sqft
2022-08-01 0 days 1,875 sqft
2022-09-01 0 days 1,858 sqft
2022-10-01 0 days 1,856 sqft
2022-11-01 0 days 1,883 sqft
2022-12-01 0 days 1,848 sqft
2023-01-01 0 days 1,865 sqft
2023-02-01 0 days 1,866 sqft
2023-03-01 0 days 1,861 sqft
2023-04-01 0 days 1,880 sqft
2023-05-01 0 days 1,871 sqft
2023-06-01 0 days 1,944 sqft
2023-07-01 0 days 1,997 sqft
2023-08-01 0 days 1,969 sqft
2023-09-01 0 days 1,894 sqft
2023-10-01 0 days 1,893 sqft
Nacogdoches's median listing age (time on market) for 2023-10-01 was 0 days.

Nacogdoches's median square footage for active listings during the 2023-10-01 period was 1,893 sqft. One year prior, the average listing was 1,856 sqft.

Nacogdoches, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 567 $129,185,000 $227,840
Cash Out Refi 102 $17,270,000 $169,314
Refi 86 $22,490,000 $261,512
Other 35 $4,985,000 $142,429
Home Improvement 24 $3,380,000 $140,833

Nacogdoches's most frequently cited loan purpose was Home Purchase, with 567 originations. The 2nd most popular reason was Cash Out Refi, with 102 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 197 $39,345,000 $199,721
4-5% 181 $44,675,000 $246,823
3-4% 159 $37,175,000 $233,805
6-7% 106 $21,970,000 $207,264
7-8% 43 $5,585,000 $129,884
2.5-3% 34 $8,410,000 $247,353
Over 8% 33 $3,955,000 $119,848
<2.5% 9 $2,165,000 $240,556

During 2022, Nacogdoches's most frequently originated rate bucket was 5-6%, with 197 originations.

Loan Sizing (Nacogdoches, TX MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 309 $45,685,000 $147,848
$200k-400k 247 $69,075,000 $279,656
$100,000 or less 188 $12,880,000 $68,511
$400k-600k 44 $20,710,000 $470,682
$600k-1000k 20 $14,590,000 $729,500
$Over $1MM 6 $14,370,000 $2,395,000

Nacogdoches's loan sizing saw the bucket of loans from $100k-200k with 309 originations, totaling $45,685,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 365 $83,215,000 $227,986
60-80% 224 $56,980,000 $254,375
40-60% 87 $17,095,000 $196,494
20-40% 44 $4,980,000 $113,182
Under 20% 21 $975,000 $46,429
Over 100% 15 $3,325,000 $221,667

Nacogdoches's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 365 originations, totaling $83,215,000 in origination value.