Nacogdoches Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Nacogdoches averaged 6.91% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2023-03-09) was 7.14% and one month ago for the week of 2023-02-09, the average rate was 6.33%.

    Nacogdoches's average rate one year ago was 3.94%.

    For refis of the same type during the week of 2023-03-16, the average rate was 7.33%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-16 6.6%
    Nacogdoches 30 Year Fixed Rate 2023-03-16 6.91%
    Nacogdoches 30 Year Fixed Rate Refi 2023-03-16 7.33%
    Nacogdoches 15 Year Fixed Rate 2023-03-16 7.29%
    Nacogdoches 15 Year Fixed Rate Refi 2023-03-16 6.35%
    Nacogdoches 30 Year FHA 2023-03-16 6.52%
    Nacogdoches 30 Year FHA Refi 2023-03-16 6.23%
    Nacogdoches 30 Year USDA 2023-03-16 6.48%
    Nacogdoches 30 Year USDA Refi 2023-03-16 3.54%
    Nacogdoches 30 Year VA 2023-03-16 6.5%
    Nacogdoches 30 Year VA Refi 2023-03-16 5.82%
    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 Bank 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 COMPANY, LIMITED PARTNERSHIP 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 Bank.

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

    The lowest rate Nacogdoches lenders (with over 10 loans originated) are BancorpSouth Bank (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
    Nacogdoches's median listing price for 2023-02-01 was $264,924, a difference of $-22,201 (-7.7%) versus the prior year and $-6,250 versus the prior month.

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

    Nacogdoches's average listing price for 2023-02-01 was $341,368, a difference of $-41,804 (-10.9%) versus the prior year and $3,180 versus the prior month.

    For the 2023-02-01 period, Nacogdoches had 81 MLS listings, a difference of -9 listings (-10%) versus the prior month and 26 listings (47%) 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
    Nacogdoches's median listing age (time on market) for 2023-02-01 was 0 days.

    Nacogdoches's median square footage for active listings during the 2023-02-01 period was 1,866 sqft. One year prior, the average listing was 2,265 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.