WACO Mortgage Rates

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

30 Year Fixed Rate mortgages in Waco averaged 5.39% for the week of 2022-05-12, compared to the national average of 5.3% for the same period.

The average rate for the prior week (2022-05-05) was 5.66% and one month ago for the week of 2022-04-07, the average rate was 4.81%.

Waco's average rate one year ago was 3.18%.

For refis of the same type during the week of 2022-05-12, the average rate was 5.64%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-12 5.3%
Waco 30 Year Fixed Rate 2022-05-12 5.39%
Waco 30 Year Fixed Rate Refi 2022-05-12 5.64%
Waco 15 Year Fixed Rate 2022-05-12 5.09%
Waco 15 Year Fixed Rate Refi 2022-05-12 4.92%
Waco 30 Year FHA 2022-05-12 5.76%
Waco 30 Year FHA Refi 2022-05-12 5.61%
Waco 30 Year USDA 2022-05-12 5.41%
Waco 30 Year USDA Refi 2022-05-12 5.09%
Waco 30 Year VA 2022-05-12 5.7%
Waco 30 Year VA Refi 2022-05-12 5.21%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within WACO, TX.

WACO Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the WACO, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
SWBC MORTGAGE CORPORATION 370 3.29% $3,963
QUICKEN LOANS, LLC 319 3.22% $4,772
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 285 3.25% $4,363
Wallick & Volk, Inc. 267 3.29% $3,179
City Bank 92 3.33% $5,231
DHI MORTGAGE COMPANY, LTD. 76 2.97% $3,768
Wells Fargo Bank 73 3.11% $3,946
UNITED WHOLESALE MORTGAGE, LLC 66 3.05% $4,555
LOANDEPOT.COM, LLC 64 3.20% $5,397
Extraco Banks 57 3.20% $3,878
JPMorgan Chase Bank 57 3.17% $3,058
PRIMELENDING, A PLAINSCAPITAL COMPANY 52 3.64% $5,148
ARK-LA-TEX FINANCIAL SERVICES, LLC. 45 3.41% $4,730
Gateway First Bank 44 3.26% $4,395
Mr. Cooper ( Nationstar Mortgage ) 44 3.30% $6,241
AMERISAVE MORTGAGE CORPORATION 42 3.06% $4,570
First National Bank Texas 41 2.97% $4,773
CORNERSTONE HOME LENDING, INC. 40 3.43% $5,114
BETTER MORTGAGE CORPORATION 40 2.93% $3,984
Amerifirst Financial, Inc. 38 3.43% $4,418
Flagstar Bank, FSB 35 3.15% $5,162
Affiliated Bank 34 3.12% $4,934
GUILD MORTGAGE COMPANY 32 3.32% $5,924
CALIBER HOME LOANS, INC. 31 3.23% $4,534
Trinity Oaks Mortgage, LLC 30 3.21% $7,160
PENNYMAC LOAN SERVICES, LLC 29 3.34% $5,678
HAMILTON HOME LOANS, INC. 27 3.52% $4,896
SENTE MORTGAGE, INC. 27 3.59% $5,104
Bank of America 26 3.00% $5,093
Independent Bank 25 3.14% $5,408
CMG MORTGAGE, INC. 24 3.14% $5,605
NEWREZ LLC 23 3.13% $4,151
ASPIRE FINANCIAL, INC. 23 3.06% $6,289
BROKER SOLUTIONS, INC. 22 3.08% $5,496
HOME POINT FINANCIAL CORPORATION 21 2.96% $5,094
AMERICA'S CHOICE HOME LOANS LP 18 2.94% $3,903
Paramount Residential Mortgage Group, Inc. 17 3.23% $5,235
GUARANTEED RATE, INC. 17 3.20% $5,413
CRESCENT MORTGAGE COMPANY 16 3.09% $5,238
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 16 3.12% $5,214
LOANPAL, LLC 15 3.11% $5,931
NexBank 14 3.01% $5,610
Citizens Bank 14 3.04% $4,378
AMCAP MORTGAGE, LTD. 14 3.16% $5,589
AMERICAN FINANCING CORPORATION 13 3.13% $6,926
THRIVE MORTGAGE, LLC 13 3.14% $6,614
BancorpSouth Bank 12 3.30% $4,154
First Central Credit Union 12 5.04% $3,489
Network Funding, L.P. 11 3.36% $6,039
ROYAL UNITED MORTGAGE LLC 10 3.18% $9,967
HANCOCK MORTGAGE PARTNERS, LLC 10 3.24% $4,730
Wyndham Capital Mortgage, Inc. 10 3.16% $4,910
First United Bank and Trust Company 10 3.09% $4,206
MID AMERICA MORTGAGE, INC. 9 3.35% $5,235
CHURCHILL MORTGAGE CORPORATION 9 3.21% $4,332
InterContinental Capital Group, Inc 9 3.08% $5,450
NATIONS RELIABLE LENDING, LLC 9 3.26% $4,480
Hometown Equity Mortgage, LLC 9 3.30% $4,164
FREEDOM MORTGAGE CORPORATION 8 3.03% $3,792
American National Bank & Trust 8 2.73% $4,460
CROSSCOUNTRY MORTGAGE, LLC 8 2.98% $6,488
KELLER MORTGAGE, LLC 8 3.30% $3,583
HOMESIDE FINANCIAL, LLC 8 3.36% $4,959
BOKF 8 3.03% $5,469
GREAT WESTERN FINANCIAL SERVICES, INC. 7 3.05% $5,032
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 7 3.30% $5,050
TEXELL Credit Union 7 2.98% $4,824
Prosperity Bank 7 2.84% $5,106
UNIVERSITY Federal Credit Union 7 3.04% $3,826
NAVY FEDERAL CREDIT UNION 7 3.30% $4,437
SFMC, LP 7 3.45% $6,148
U.S. Bank 6 2.94% $3,702
Hometown Lenders, Inc. 6 3.25% $5,598
MOVEMENT MORTGAGE, LLC 6 3.15% $5,506
Ally Bank 6 3.19% $3,839
SECURITYNATIONAL MORTGAGE COMPANY 6 3.27% $6,535
BARTON CREEK LENDING GROUP, LLC 6 2.96% $5,192
SUMMIT FUNDING, INC. 6 3.21% $6,152
FINANCE OF AMERICA MORTGAGE LLC 5 3.05% $4,550
ACADEMY MORTGAGE CORPORATION 5 3.45% $5,378
INTEGRITY MORTGAGE CORPORATION OF TEXAS 5 3.02% $5,041
EUSTIS AND AMERICAN MORTGAGE COMPANY 5 3.30% $5,364
SOUTHWEST FUNDING, LP 5 3.45% $6,745
North American Savings Bank, F.S.B. 5 3.18% $2,685
GUARANTEED RATE AFFINITY, LLC 5 3.35% $2,915
S1L, Inc. 5 3.28% $6,009
First Guaranty Mortgage Corporation 5 3.65% $3,829
MORTGAGE FINANCIAL SERVICES, LLC 5 2.97% $4,321
Republic State Mortgage Co. 5 3.18% $3,845
MUTUAL OF OMAHA MORTGAGE, INC. 5 3.10% $3,559
PROVIDENT FUNDING ASSOCIATES, L.P. 5 2.85% $3,721
AMPLIFY 5 3.30% $6,171
Colonial Savings, F.A. 4 3.59% $2,878
PLANET HOME LENDING, LLC 4 3.19% $3,518
PRIMARY RESIDENTIAL MORTGAGE, INC. 4 3.25% $4,518
Sierra Pacific Mortgage Company, Inc. 4 2.97% $3,037
Assurance Financial Group, L.L.C. 4 3.28% $3,324
V.I.P. MORTGAGE, INC. 4 3.59% $4,625
First Savings Bank 4 3.22% $8,587
BBVA USA 4 2.94% $9,131
LOANPEOPLE, LLC 4 3.22% $5,098
Chicago Mortgage Solutions LLC 4 2.74% $4,045
AMERICAN FINANCIAL NETWORK, INC. 4 3.28% $10,064
MORTGAGE SOLUTIONS OF COLORADO, LLC 4 2.91% $3,997
UNION HOME MORTGAGE CORP. 3 3.21% $6,229
ZILLOW HOME LOANS, LLC 3 3.04% $4,168
CELEBRITY HOME LOANS, LLC 3 2.83% $5,512
SIRVA MORTGAGE, INC. 3 3.04% $2,170
STEARNS LENDING, LLC 3 3.04% $4,775
DRAPER AND KRAMER MORTGAGE CORP. 3 3.16% $4,200
Goldwater Bank, N.A. 3 3.63% $5,422
TIB The Independent Bankersbank 3 3.13% $2,951
Commerce Home Mortgage, Inc. 3 3.29% $5,083
LADERA LENDING, INC. 3 2.79% $3,604
Discover Bank 3 4.55% $0
Regions Bank 3 3.33% $4,846
LAKEVIEW LOAN SERVICING, LLC 3 3.46% $3,772
LEADERONE FINANCIAL CORPORATION 3 2.96% $5,495
CHERRY CREEK MORTGAGE, LLC 3 3.54% $1,057
CLM MORTGAGE, INC 3 3.20% $5,759
NBKC BANK 3 2.88% $3,882
PLAZA HOME MORTGAGE, INC. 3 3.04% $7,124
TEXAS DOW EMPLOYEES CREDIT UNION 3 3.79% $7,235
Texas Bank Financial 3 3.08% $4,734
AmeriHome Mortgage Company, LLC 3 3.29% $4,140
First State Bank 3 2.83% $3,993
VANDERBILT MORTGAGE AND FINANCE, INC. 3 3.04% $4,044
CAPITAL CONCEPTS, INC. 3 4.00% $12,853
FBC MORTGAGE, LLC 3 3.17% $4,214
First Horizon Bank 3 2.83% $4,371
LIBERTY HOME MORTGAGE CORPORATION 2 3.38% $4,953
ENVOY MORTGAGE, LTD 2 3.31% $4,810
EMBRACE HOME LOANS, INC. 2 2.93% $6,107
NOVA FINANCIAL & INVESTMENT CORPORATION 2 3.13% $3,700
NTFN, INC. 2 3.00% $3,771
SOFI LENDING CORP. 2 2.88% $3,013
Paramount Bank 2 2.88% $5,032
MEMBER FIRST MORTGAGE, LLC 2 3.81% $6,195
Morgan Stanley Private Bank 2 2.50% $5,574
RESIDENTIAL WHOLESALE MORTGAGE, INC. 2 3.12% $4,275
Mortgage Research Center, LLC 2 2.87% $5,910
RESIDENTIAL BANCORP. 2 3.00% $4,198
DAS Acquisition Company, LLC 2 3.00% $3,223
RANLIFE, INC. 2 3.68% $3,824
Prosperity Home Mortgage, LLC 2 3.13% $5,481
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 2.81% $4,780
CONTOUR MORTGAGE CORPORATION 2 2.88% $5,888
PHH Mortgage Corporation 2 4.06% $8,212
AgFirst Farm Credit Bank 2 3.38% $3,966
First National Bank 2 3.06% $4,396
Florida Capital Bank 2 3.25% $4,375
First Mortgage Solutions, LLC 2 2.81% $2,588
First Internet Bank of Indiana 2 2.63% $3,207
WILLOW BEND MORTGAGE COMPANY, LLC 2 3.19% $7,595
WESTERN EXPRESS LENDING 2 3.63% $4,701
Austin Capital Bank SSB 2 3.06% $3,896
VeraBank 2 3.75% $4,849
USAA Federal Savings Bank 2 3.06% $2,894
United Fidelity Funding Corp. 2 3.31% $4,357
Cadence Bank, N.A. 2 3.19% $10,009
UNION SQUARE 2 2.81% $3,758
Town Square Mortgage & Investments, Inc. 2 3.00% $2,532
HOMEBRIDGE FINANCIAL SERVICES, INC. 2 3.00% $5,401
ADVANCIAL 2 3.25% $4,012
AmRes Corporation 2 2.94% $2,550
TEXAS TECH 2 3.13% $3,465
CANOPY MORTGAGE, LLC 2 3.75% $5,611
HSBC BANK USA, NATIONAL ASSOCIATION 2 2.88% $3,955
IMPAC MORTGAGE CORP. 2 3.25% $1,191
Texas Mortgage Lending, LLC 2 3.75% $3,621
INTERLINC MORTGAGE SERVICES, LLC 2 3.19% $4,274
EVERETT FINANCIAL, INC. 2 4.06% $2,885
Carrington Mortgage Services, LLC 2 3.87% $6,924
Strong Home Mortgage, LLC 2 2.81% $1,058
A&D Mortgage LLC 2 5.81% $5,079
CHAMPIONS MORTGAGE LLC 2 3.00% $7,185
LENDERFI, INC. 2 2.94% $2,873
LENDUS, LLC 2 3.13% $4,698
TEXAS TRUST 1 3.00% $2,355
AFFINITY 1 2.88% $3,493
ALLIANT CREDIT UNION 1 3.38% $5,560
Amarillo National Bank 1 2.88% $2,732
American Airlines Federal Credit Union 1 3.13% $0
American Momentum Bank 1 2.88% $5,842
ANGEL OAK HOME LOANS LLC 1 3.63% $4,067
Bank of England 1 3.38% $4,612
BNC National Bank 1 2.63% $5,140
Capital Bank 1 2.88% $3,502
CERTAINTY HOME LOANS, LLC 1 3.50% $3,933
Citadel Servicing Corporation 1 6.88% $7,115
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 2.88% $6,855
Commercial Bank of Texas 1 3.25% $2,782
COUNTRYPLACE MORTGAGE, LTD. 1 3.25% $11,125
CREDIT HUMAN FEDERAL CREDIT UNION 1 3.03% $5,098
DATA MORTGAGE, INC. 1 3.00% $4,766
Equity Prime Mortgage LLC 1 3.25% $10,812
Farm Credit Mid-America, ACA 1 3.85% $13,640
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION 1 4.38% $4,917
FC LENDING, LTD. 1 3.25% $4,490
Fifth Third Bank 1 2.88% $4,635
First Bank 1 3.38% $7,637
FIRST CENTENNIAL MORTGAGE CORPORATION 1 3.88% $4,654
First Federal Bank of Kansas City 1 3.00% $2,465
First Financial Bank 1 2.63% $3,623
First Home Bank 1 3.50% $7,522
First National Bank of Bosque County 1 4.30% $2,852
First Republic Bank 1 2.55% $4,103
FLAT BRANCH MORTGAGE, INC. 1 2.99% $4,253
GERSHMAN INVESTMENT CORP. 1 2.75% $3,532
GMFS LLC 1 2.75% $4,842
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 3.88% $4,344
GREATER TEXAS FEDERAL CREDIT UNION 1 3.13% $2,590
Greenbox Loans, Inc. 1 4.50% $15,777
GSF Mortgage Corporation 1 2.75% $4,519
GULF COAST EDUCATORS FEDERAL CREDIT UNION 1 3.75% $4,149
HOME FINANCING UNLIMITED, INC. 1 3.00% $5,098
HOMETRUST MORTGAGE COMPANY 1 3.38% $5,694
INTERCAP LENDING INC. 1 3.00% $6,288
INTOUCH CREDIT UNION 1 3.00% $5,406
Inwood National Bank 1 2.88% $5,805
Ixonia Bank 1 3.63% $3,054
J. VIRGIL, INC. 1 2.88% $4,259
KeyBank 1 2.25% $5,473
Kwik Mortgage Corporation 1 3.63% $1,387
LEGEND LENDING CORPORATION 1 3.50% $5,021
Loan Simple, Inc. 1 3.25% $4,473
Magnolia Bank 1 3.25% $4,221
Manufacturers and Traders Trust Company 1 2.88% $3,856
MORTGAGE ACCESS CORP. 1 3.25% $2,939
NATIONS DIRECT MORTGAGE, LLC 1 3.25% $2,608
Nations Lending Corporation 1 3.38% $4,704
Northpointe Bank 1 3.25% $5,568
OCEANSIDE MORTGAGE COMPANY 1 3.88% $2,611
Origin Bank 1 3.63% $3,844
PANORAMA MORTGAGE GROUP, LLC 1 2.88% $7,505
PENTAGON FEDERAL CREDIT UNION 1 3.00% $1,477
PIKE CREEK MORTGAGE SERVICES, INC. 1 3.38% $3,341
Pioneer Bank, SSB 1 4.00% $10,136
PNC Bank 1 4.38% $4,307
PREMIA MORTGAGE, LLC 1 2.99% $4,222
Quontic Bank 1 6.00% $8,367
RANDOLPH-BROOKS 1 3.13% $6,167
RBC Bank, (Georgia) 1 3.13% $4,114
REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 3.13% $6,871
RELIANCE FIRST CAPITAL, LLC 1 4.13% $4,812
Reliant Bank 1 2.88% $2,849
SECURITY SERVICE 1 2.88% $2,510
SOUTHERN LENDING SERVICES, LTD. 1 3.63% $8,827
STANDARD MORTGAGE CORPORATION 1 3.00% $4,180
STAR ONE CREDIT UNION 1 3.00% $6,476
Stifel Bank and Trust 1 3.00% $3,983
SUCCESS MORTGAGE PARTNERS, INC. 1 2.88% $6,062
Sunflower Bank 1 3.25% $3,866
Texana Bank 1 2.88% $3,974
Texas Bank and Trust Company 1 3.25% $3,070
The American National Bank of Texas 1 3.13% $5,971
The Camden National Bank 1 3.38% $4,599
The City National Bank of Sulphur Springs 1 3.25% $4,102
The Home Loan Expert LLC 1 2.99% $4,943
The Huntington National Bank 1 2.63% $2,787
THE MORTGAGE FIRM, INC. 1 3.13% $4,382
TIAA, FSB 1 2.88% $7,895
Truist Bank 1 2.88% $2,367
UIF CORPORATION 1 3.25% $2,803
UNIVERSITY LENDING GROUP, LLC 1 3.13% $5,489
VERITAS FUNDING, LLC 1 3.50% $4,990
WESCOM CENTRAL CREDIT UNION 1 3.38% $7,126

WACO, TX's 267 lenders originated 8,325 loans during 2021. The total origination value was $1,950,915,000, with an average loan value of $234,344.

The top WACO lender as defined by loan originations is SWBC MORTGAGE CORPORATION, with 370 loans originated. Their average total fees are $3,963, which is $809 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee WACO lenders (with over 10 loans originated) are JPMorgan Chase Bank ($3,058), Wallick & Volk, Inc. ($3,179), First Central Credit Union ($3,489), DHI MORTGAGE COMPANY, LTD. ($3,768) and Extraco Banks ($3,878).

The lowest rate WACO lenders (with over 10 loans originated) are BETTER MORTGAGE CORPORATION (2.93%), AMERICA'S CHOICE HOME LOANS LP (2.94%), HOME POINT FINANCIAL CORPORATION (2.96%), DHI MORTGAGE COMPANY, LTD. (2.97%) and First National Bank Texas (2.97%).

WACO, TX Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
SWBC MORTGAGE CORPORATION $142,240,000 $134,890,000 -5.2% 6.9%
QUICKEN LOANS, LLC $94,750,000 $125,835,000 32.8% 6.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $116,105,000 $125,445,000 8.0% 6.4%
Wallick & Volk, Inc. $104,190,000 $90,980,000 -12.7% 4.7%
DHI MORTGAGE COMPANY, LTD. $27,115,000 $44,950,000 65.8% 2.3%
First National Bank of Central Texas $28,925,000 $43,420,000 50.1% 2.2%
City Bank $2,965,000 $40,765,000 1,274.9% 2.1%
Capital One $61,225,000 $39,000,000 -36.3% 2.0%
Central National Bank $29,145,000 $38,130,000 30.8% 2.0%
Wells Fargo Bank $22,170,000 $37,730,000 70.2% 1.9%
FREEDOM MORTGAGE CORPORATION $39,920,000 $37,375,000 -6.4% 1.9%
Extraco Banks $34,840,000 $35,345,000 1.4% 1.8%
First National Bank Texas $25,960,000 $32,000,000 23.3% 1.6%
UNITED WHOLESALE MORTGAGE, LLC $19,260,000 $30,945,000 60.7% 1.6%
American Bank, N.A. $39,030,000 $30,415,000 -22.1% 1.6%
Alliance Bank Central Texas $22,985,000 $30,380,000 32.2% 1.6%
Independent Bank $18,390,000 $27,770,000 51.0% 1.4%
The First National Bank of McGregor $19,980,000 $27,685,000 38.6% 1.4%
BERKELEY POINT CAPITAL LLC $26,505,000 n/a 1.4%
Mortgage Research Center, LLC $15,515,000 $26,130,000 68.4% 1.3%
PENNYMAC LOAN SERVICES, LLC $13,850,000 $24,455,000 76.6% 1.3%
LOANDEPOT.COM, LLC $17,115,000 $24,320,000 42.1% 1.2%
Community Bank & Trust, Waco, Texas $19,630,000 $24,230,000 23.4% 1.2%
Mr. Cooper ( Nationstar Mortgage ) $21,195,000 $22,330,000 5.4% 1.1%
Gateway First Bank $22,535,000 $22,230,000 -1.4% 1.1%
CORNERSTONE HOME LENDING, INC. $20,225,000 $19,695,000 -2.6% 1.0%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $17,200,000 $19,065,000 10.8% 1.0%
JPMorgan Chase Bank $18,935,000 $18,600,000 -1.8% 1.0%
PRIMELENDING, A PLAINSCAPITAL COMPANY $20,135,000 $17,900,000 -11.1% 0.9%
Arbor Realty Trust, Inc. $17,860,000 n/a 0.9%
BETTER MORTGAGE CORPORATION $4,880,000 $17,195,000 252.4% 0.9%
LAKEVIEW LOAN SERVICING, LLC $13,495,000 $16,745,000 24.1% 0.9%
AMERISAVE MORTGAGE CORPORATION $6,090,000 $14,430,000 136.9% 0.7%
AMCAP MORTGAGE, LTD. $7,660,000 $14,250,000 86.0% 0.7%
CMG MORTGAGE, INC. $11,680,000 $13,750,000 17.7% 0.7%
Trinity Oaks Mortgage, LLC $17,435,000 $13,660,000 -21.7% 0.7%
BancorpSouth Bank $12,105,000 $13,600,000 12.4% 0.7%
Bank of America $10,035,000 $13,490,000 34.4% 0.7%
CALIBER HOME LOANS, INC. $11,980,000 $13,325,000 11.2% 0.7%
GUILD MORTGAGE COMPANY $8,045,000 $12,630,000 57.0% 0.6%
Affiliated Bank $52,435,000 $12,290,000 -76.6% 0.6%
Amerifirst Financial, Inc. $1,625,000 $12,190,000 650.2% 0.6%
VeraBank $370,000 $12,040,000 3,154.1% 0.6%
SENTE MORTGAGE, INC. $11,500,000 $11,570,000 0.6% 0.6%
Flagstar Bank, FSB $7,535,000 $11,565,000 53.5% 0.6%
HAMILTON HOME LOANS, INC. $24,220,000 $10,650,000 -56.0% 0.5%
Members Choice of Central Texas Federal Credit Union $6,495,000 $10,090,000 55.4% 0.5%
HOME POINT FINANCIAL CORPORATION $6,515,000 $10,020,000 53.8% 0.5%
AMERICA'S CHOICE HOME LOANS LP $13,670,000 $9,895,000 -27.6% 0.5%
NEWREZ LLC $8,085,000 $9,885,000 22.3% 0.5%
USAA Federal Savings Bank $11,805,000 $9,595,000 -18.7% 0.5%
GUARANTEED RATE, INC. $2,770,000 $9,550,000 244.8% 0.5%
Hometown Equity Mortgage, LLC $5,970,000 $8,620,000 44.4% 0.4%
ASPIRE FINANCIAL, INC. $4,135,000 $8,500,000 105.6% 0.4%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $6,365,000 $7,990,000 25.5% 0.4%
First United Bank and Trust Company $39,885,000 $7,305,000 -81.7% 0.4%
Network Funding, L.P. $3,705,000 $6,875,000 85.6% 0.4%
NexBank $4,170,000 $6,575,000 57.7% 0.3%
THRIVE MORTGAGE, LLC $3,020,000 $6,460,000 113.9% 0.3%
NAVY FEDERAL CREDIT UNION $7,520,000 $6,215,000 -17.4% 0.3%
Prosperity Bank $380,000 $5,785,000 1,422.4% 0.3%
TEXELL Credit Union $3,850,000 $5,770,000 49.9% 0.3%
LOANPAL, LLC $2,600,000 $5,715,000 119.8% 0.3%
BROKER SOLUTIONS, INC. $6,170,000 $5,655,000 -8.3% 0.3%
CRESCENT MORTGAGE COMPANY $9,750,000 $5,630,000 -42.3% 0.3%
MID AMERICA MORTGAGE, INC. $2,965,000 $5,605,000 89.0% 0.3%
Paramount Residential Mortgage Group, Inc. $1,795,000 $5,125,000 185.5% 0.3%
Lakeview Community Capital, LLC $3,355,000 $5,100,000 52.0% 0.3%
Citizens Bank $4,645,000 $4,955,000 6.7% 0.3%
Incommons Bank, N.A. $4,315,000 $4,920,000 14.0% 0.3%
First National Bank of Bosque County $2,990,000 $4,900,000 63.9% 0.3%
AMERICAN FINANCING CORPORATION $3,155,000 $4,880,000 54.7% 0.3%
AmeriHome Mortgage Company, LLC $4,905,000 $4,800,000 -2.1% 0.2%
GENCO Federal Credit Union $2,625,000 $4,800,000 82.9% 0.2%
Classic Bank $2,915,000 $4,785,000 64.2% 0.2%
First Central Credit Union $2,710,000 $4,700,000 73.4% 0.2%
Cadence Bank, N.A. $1,365,000 $4,610,000 237.7% 0.2%
BOKF $5,280,000 $4,445,000 -15.8% 0.2%
Wyndham Capital Mortgage, Inc. $1,795,000 $4,375,000 143.7% 0.2%
PLANET HOME LENDING, LLC $2,565,000 $4,295,000 67.4% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $2,860,000 $4,265,000 49.1% 0.2%
NATIONS RELIABLE LENDING, LLC $1,335,000 $4,170,000 212.4% 0.2%
CHURCHILL MORTGAGE CORPORATION $4,035,000 $3,740,000 -7.3% 0.2%
21ST MORTGAGE CORPORATION $3,680,000 $3,735,000 1.5% 0.2%
CROSSCOUNTRY MORTGAGE, LLC $1,765,000 $3,640,000 106.2% 0.2%
InterContinental Capital Group, Inc $1,745,000 $3,630,000 108.0% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $3,245,000 $3,585,000 10.5% 0.2%
Carrington Mortgage Services, LLC $4,820,000 $3,495,000 -27.5% 0.2%
BBVA USA $6,535,000 $3,450,000 -47.2% 0.2%
HANCOCK MORTGAGE PARTNERS, LLC $15,870,000 $3,380,000 -78.7% 0.2%
ROYAL UNITED MORTGAGE LLC $3,155,000 $3,370,000 6.8% 0.2%
ACADEMY MORTGAGE CORPORATION $1,685,000 $3,310,000 96.4% 0.2%
North American Savings Bank, F.S.B. $520,000 $3,185,000 512.5% 0.2%
RANDOLPH-BROOKS $2,030,000 $3,050,000 50.2% 0.2%
GREAT WESTERN FINANCIAL SERVICES, INC. $1,215,000 $2,910,000 139.5% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,525,000 $2,880,000 14.1% 0.1%
CLEARPATH LENDING $3,265,000 $2,755,000 -15.6% 0.1%
SFMC, LP $3,585,000 $2,755,000 -23.2% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $1,100,000 $2,675,000 143.2% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,985,000 $2,620,000 32.0% 0.1%
Ennis State Bank $4,040,000 $2,610,000 -35.4% 0.1%
U.S. Bank $2,930,000 $2,610,000 -10.9% 0.1%
NEW DAY FINANCIAL, LLC $2,695,000 $2,565,000 -4.8% 0.1%
KELLER MORTGAGE, LLC $3,285,000 $2,510,000 -23.6% 0.1%
Veritex Community Bank $2,500,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $775,000 $2,380,000 207.1% 0.1%
AMPLIFY $705,000 $2,365,000 235.5% 0.1%
First Guaranty Mortgage Corporation $2,365,000 $2,260,000 -4.4% 0.1%
UNION HOME MORTGAGE CORP. $1,505,000 $2,210,000 46.8% 0.1%
Barrington Bank & Trust Company, N.A. $1,125,000 $2,175,000 93.3% 0.1%
American National Bank & Trust $6,540,000 $2,170,000 -66.8% 0.1%
R Bank $2,170,000 n/a 0.1%
First Guaranty Bank $14,740,000 $2,160,000 -85.3% 0.1%
MOVEMENT MORTGAGE, LLC $1,615,000 $2,140,000 32.5% 0.1%
FINANCE OF AMERICA REVERSE LLC $550,000 $2,135,000 288.2% 0.1%
LADERA LENDING, INC. $2,130,000 n/a 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $3,075,000 $2,030,000 -34.0% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $2,045,000 $2,015,000 -1.5% 0.1%
BNC National Bank $865,000 $1,945,000 124.9% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,755,000 $1,930,000 10.0% 0.1%
Ally Bank $1,785,000 $1,915,000 7.3% 0.1%
MORTGAGE FINANCIAL SERVICES, LLC $990,000 $1,895,000 91.4% 0.1%
The First National Bank of Hughes Springs $435,000 $1,890,000 334.5% 0.1%
Chicago Mortgage Solutions LLC $1,885,000 n/a 0.1%
NBKC BANK $2,550,000 $1,875,000 -26.5% 0.1%
SOUTHWEST FUNDING, LP $740,000 $1,860,000 151.4% 0.1%
AMERICAN FINANCIAL NETWORK, INC. $3,385,000 $1,850,000 -45.3% 0.1%
Regions Bank $4,555,000 $1,850,000 -59.4% 0.1%
GUARANTEED RATE AFFINITY, LLC $985,000 $1,800,000 82.7% 0.1%
V.I.P. MORTGAGE, INC. $1,785,000 n/a 0.1%
Colonial Savings, F.A. $5,170,000 $1,760,000 -66.0% 0.1%
SUMMIT FUNDING, INC. $1,010,000 $1,760,000 74.3% 0.1%
HOMESIDE FINANCIAL, LLC $145,000 $1,735,000 1,096.6% 0.1%
BARTON CREEK LENDING GROUP, LLC $580,000 $1,720,000 196.6% 0.1%
Paramount Bank $1,685,000 n/a 0.1%
Republic State Mortgage Co. $155,000 $1,685,000 987.1% 0.1%
TIB The Independent Bankersbank $1,605,000 $1,675,000 4.4% 0.1%
UNIVERSITY Federal Credit Union $1,930,000 $1,600,000 -17.1% 0.1%
SOUTHWEST STAGE FUNDING, LLC $2,765,000 $1,575,000 -43.0% 0.1%
LEADERONE FINANCIAL CORPORATION $975,000 $1,570,000 61.0% 0.1%
CELEBRITY HOME LOANS, LLC $700,000 $1,560,000 122.9% 0.1%
AMERICAN ADVISORS GROUP $1,735,000 $1,550,000 -10.7% 0.1%
LIMA ONE CAPITAL, LLC $340,000 $1,530,000 350.0% 0.1%
IMPAC MORTGAGE CORP. $65,000 $1,460,000 2,146.2% 0.1%
PENTAGON FEDERAL CREDIT UNION $1,175,000 $1,460,000 24.3% 0.1%
LOANPEOPLE, LLC $785,000 $1,450,000 84.7% 0.1%
MEMBER FIRST MORTGAGE, LLC $1,420,000 n/a 0.1%
WILLOW BEND MORTGAGE COMPANY, LLC $3,975,000 $1,380,000 -65.3% 0.1%
CLM MORTGAGE, INC $1,340,000 n/a 0.1%
S1L, Inc. $290,000 $1,330,000 358.6% 0.1%
Guaranty Bank & Trust, N.A. $875,000 $1,325,000 51.4% 0.1%
Washington Federal Bank $1,325,000 n/a 0.1%
COUNTRYPLACE MORTGAGE, LTD. $2,010,000 $1,300,000 -35.3% 0.1%
Happy State Bank $95,000 $1,300,000 1,268.4% 0.1%
First Savings Bank $390,000 $1,295,000 232.1% 0.1%
RESIDENTIAL WHOLESALE MORTGAGE, INC. $1,280,000 n/a 0.1%
SUN WEST MORTGAGE COMPANY, INC. $2,340,000 $1,270,000 -45.7% 0.1%
Commerce Home Mortgage, Inc. $585,000 $1,265,000 116.2% 0.1%
TIAA, FSB $2,175,000 $1,245,000 -42.8% 0.1%
INTEGRITY MORTGAGE CORPORATION OF TEXAS $225,000 $1,205,000 435.6% 0.1%
Low VA Rates, LLC $1,920,000 $1,155,000 -39.8% 0.1%
AMERICAN PACIFIC MORTGAGE CORPORATION $930,000 $1,150,000 23.7% 0.1%
First Bank $515,000 $1,140,000 121.4% 0.1%
Hometown Lenders, Inc. $1,140,000 n/a 0.1%
First Horizon Bank $1,120,000 n/a 0.1%
NOVA FINANCIAL & INVESTMENT CORPORATION $690,000 $1,105,000 60.1% 0.1%
CONTOUR MORTGAGE CORPORATION $1,100,000 n/a 0.1%
EUSTIS AND AMERICAN MORTGAGE COMPANY $1,230,000 $1,095,000 -11.0% 0.1%
CHERRY CREEK MORTGAGE, LLC $700,000 $1,090,000 55.7% 0.1%
SIRVA MORTGAGE, INC. $805,000 $1,065,000 32.3% 0.1%
Sierra Pacific Mortgage Company, Inc. $265,000 $1,040,000 292.5% 0.1%
LENDINGHOME FUNDING CORPORATION $1,300,000 $1,035,000 -20.4% 0.1%
TRIAD FINANCIAL SERVICES, INC. $365,000 $1,025,000 180.8% 0.1%
First Mortgage Solutions, LLC $455,000 $1,015,000 123.1% 0.1%
Citizens National Bank of Texas $615,000 $1,000,000 62.6% 0.1%
Morgan Stanley Private Bank $1,000,000 n/a 0.1%
OCEANSIDE MORTGAGE COMPANY $105,000 $980,000 833.3% 0.1%
Town Square Mortgage & Investments, Inc. $940,000 $980,000 4.3% 0.1%
The Bank of Missouri $400,000 $975,000 143.8% 0.0%
EVERETT FINANCIAL, INC. $7,300,000 $970,000 -86.7% 0.0%
RESIDENTIAL BANCORP. $965,000 n/a 0.0%
NATIONS DIRECT MORTGAGE, LLC $2,200,000 $960,000 -56.4% 0.0%
CHAMPIONS MORTGAGE LLC $590,000 $950,000 61.0% 0.0%
TEXAS DOW EMPLOYEES CREDIT UNION $675,000 $950,000 40.7% 0.0%
First Financial Bank $1,310,000 $945,000 -27.9% 0.0%
EMBRACE HOME LOANS, INC. $940,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $905,000 n/a 0.0%
UNION SQUARE $395,000 $885,000 124.1% 0.0%
Discover Bank $470,000 $880,000 87.2% 0.0%
First State Bank $285,000 $870,000 205.3% 0.0%
STAR ONE CREDIT UNION $865,000 n/a 0.0%
ZILLOW HOME LOANS, LLC $360,000 $860,000 138.9% 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $855,000 n/a 0.0%
STEARNS LENDING, LLC $1,560,000 $845,000 -45.8% 0.0%
CAPITAL CONCEPTS, INC. $820,000 n/a 0.0%
KS StateBank $815,000 $815,000 0.0% 0.0%
PANORAMA MORTGAGE GROUP, LLC $1,610,000 $775,000 -51.9% 0.0%
PHH Mortgage Corporation $670,000 $775,000 15.7% 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $2,885,000 $740,000 -74.4% 0.0%
TEXAS TRUST $730,000 n/a 0.0%
AgFirst Farm Credit Bank $95,000 $710,000 647.4% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $995,000 $710,000 -28.6% 0.0%
REDWOOD RESIDENTIAL ACQUISITION CORPORATION $705,000 n/a 0.0%
Texas Bank Financial $905,000 $705,000 -22.1% 0.0%
Florida Capital Bank $700,000 n/a 0.0%
Bank of England $1,100,000 $695,000 -36.8% 0.0%
Lamar National Bank $685,000 n/a 0.0%
Nations Lending Corporation $105,000 $685,000 552.4% 0.0%
CANOPY MORTGAGE, LLC $185,000 $675,000 264.9% 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $665,000 $675,000 1.5% 0.0%
Bank OZK $670,000 n/a 0.0%
Red River Bank $665,000 n/a 0.0%
Inwood National Bank $1,280,000 $660,000 -48.4% 0.0%
RELIANCE FIRST CAPITAL, LLC $660,000 n/a 0.0%
TEXAS TECH $565,000 $660,000 16.8% 0.0%
UNITED BUILT HOMES, L.L.C. $470,000 $660,000 40.4% 0.0%
Austin Bank, Texas $85,000 $655,000 670.6% 0.0%
First Internet Bank of Indiana $355,000 $650,000 83.1% 0.0%
Goldwater Bank, N.A. $235,000 $625,000 166.0% 0.0%
SOFI LENDING CORP. $1,920,000 $625,000 -67.4% 0.0%
First Federal Bank of Kansas City $660,000 $620,000 -6.1% 0.0%
First National Bank $335,000 $620,000 85.1% 0.0%
Ixonia Bank $620,000 n/a 0.0%
Amarillo National Bank $255,000 $615,000 141.2% 0.0%
DAS Acquisition Company, LLC $1,380,000 $615,000 -55.4% 0.0%
Loan Simple, Inc. $135,000 $605,000 348.1% 0.0%
FARMERS INSURANCE GROUP FEDERAL CREDIT UNION $600,000 n/a 0.0%
UBank $585,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $2,125,000 $580,000 -72.7% 0.0%
United Fidelity Funding Corp. $1,730,000 $575,000 -66.8% 0.0%
Prosperity Home Mortgage, LLC $155,000 $570,000 267.7% 0.0%
Equity Prime Mortgage LLC $315,000 $560,000 77.8% 0.0%
LENDINGONE, LLC $1,245,000 $560,000 -55.0% 0.0%
Security State Bank & Trust $555,000 n/a 0.0%
SECURITY SERVICE $200,000 $550,000 175.0% 0.0%
FBC MORTGAGE, LLC $705,000 $535,000 -24.1% 0.0%
GSF Mortgage Corporation $155,000 $530,000 241.9% 0.0%
UNIVERSITY LENDING GROUP, LLC $105,000 $530,000 404.8% 0.0%
Farm Credit Mid-America, ACA $525,000 n/a 0.0%
Greenbox Loans, Inc. $525,000 n/a 0.0%
The First Liberty National Bank $525,000 n/a 0.0%
CERTIFIED FUNDING, L.P. $475,000 $520,000 9.5% 0.0%
A&D Mortgage LLC $510,000 n/a 0.0%
INTERLINC MORTGAGE SERVICES, LLC $275,000 $510,000 85.5% 0.0%
NP, Inc. $125,000 $510,000 308.0% 0.0%
The Camden National Bank $505,000 n/a 0.0%
AmRes Corporation $500,000 n/a 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $355,000 $500,000 40.8% 0.0%
PlainsCapital Bank $500,000 n/a 0.0%
Texas Mortgage Lending, LLC $465,000 $500,000 7.5% 0.0%
American Momentum Bank $1,020,000 $475,000 -53.4% 0.0%
First Home Bank $475,000 n/a 0.0%
ENVOY MORTGAGE, LTD $470,000 n/a 0.0%
1ST PREFERENCE MORTGAGE CORP. $135,000 $465,000 244.4% 0.0%
BM Real Estate Services, Inc. $460,000 n/a 0.0%
LIBERTY HOME MORTGAGE CORPORATION $415,000 $460,000 10.8% 0.0%
Strong Home Mortgage, LLC $275,000 $460,000 67.3% 0.0%
NTFN, INC. $760,000 $455,000 -40.1% 0.0%
RBC Bank, (Georgia) $455,000 n/a 0.0%
WINGS FINANCIAL $455,000 n/a 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $845,000 $445,000 -47.3% 0.0%
Assurance Financial Group, L.L.C. $795,000 $445,000 -44.0% 0.0%
Frontier Bank $445,000 n/a 0.0%
PIKE CREEK MORTGAGE SERVICES, INC. $445,000 n/a 0.0%
The American National Bank of Texas $440,000 n/a 0.0%
FIRST CENTENNIAL MORTGAGE CORPORATION $405,000 $420,000 3.7% 0.0%
LENDUS, LLC $135,000 $420,000 211.1% 0.0%
FirstCapital Bank of Texas $415,000 n/a 0.0%
KeyBank $325,000 $415,000 27.7% 0.0%
Citizens Bank of Las Cruces $195,000 $405,000 107.7% 0.0%
First Bank & Trust $895,000 $405,000 -54.7% 0.0%
Quontic Bank $400,000 n/a 0.0%
American Airlines Federal Credit Union $400,000 $395,000 -1.3% 0.0%
WESTERN EXPRESS LENDING $390,000 n/a 0.0%
Cornerstone First Mortgage, Inc $335,000 $385,000 14.9% 0.0%
LHM FINANCIAL CORPORATION $385,000 n/a 0.0%
LOS ANGELES POLICE Federal Credit Union $385,000 n/a 0.0%
RB MORTGAGE LLC $410,000 $385,000 -6.1% 0.0%
LENDERFI, INC. $380,000 n/a 0.0%
PNC Bank $400,000 $380,000 -5.0% 0.0%
LONGBRIDGE FINANCIAL, LLC $370,000 n/a 0.0%
South State Bank $365,000 n/a 0.0%
The Home Loan Expert LLC $380,000 $360,000 -5.3% 0.0%
The Huntington National Bank $195,000 $360,000 84.6% 0.0%
Deere Employees Credit Union $355,000 $355,000 0.0% 0.0%
OPEN MORTGAGE, LLC $225,000 $355,000 57.8% 0.0%
Stifel Bank and Trust $1,420,000 $355,000 -75.0% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $345,000 n/a 0.0%
Fifth Third Bank $345,000 n/a 0.0%
FLAT BRANCH MORTGAGE, INC. $895,000 $345,000 -61.5% 0.0%
SOUTHERN LENDING SERVICES, LTD. $345,000 n/a 0.0%
Austin Capital Bank SSB $245,000 $340,000 38.8% 0.0%
HSBC BANK USA, NATIONAL ASSOCIATION $340,000 n/a 0.0%
HOMETRUST MORTGAGE COMPANY $1,015,000 $335,000 -67.0% 0.0%
PREMIA MORTGAGE, LLC $255,000 $335,000 31.4% 0.0%
The Federal Savings Bank $1,470,000 $335,000 -77.2% 0.0%
MORTGAGE ACCESS CORP. $325,000 n/a 0.0%
Northpointe Bank $455,000 $325,000 -28.6% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $175,000 $325,000 85.7% 0.0%
WinTex Group, LLC $325,000 n/a 0.0%
ADVANCIAL $225,000 $320,000 42.2% 0.0%
INTERCAP LENDING INC. $605,000 $320,000 -47.1% 0.0%
LEGEND LENDING CORPORATION $245,000 $315,000 28.6% 0.0%
Truist Bank $2,265,000 $315,000 -86.1% 0.0%
A+ Federal Credit Union $390,000 $310,000 -20.5% 0.0%
HOMEXPRESS MORTGAGE CORP. $310,000 n/a 0.0%
International Bank of Commerce $500,000 $310,000 -38.0% 0.0%
Texas Bank and Trust Company $310,000 n/a 0.0%
Watermark Capital, Inc. $1,335,000 $305,000 -77.2% 0.0%
AFFINITY $295,000 n/a 0.0%
Capital Bank $295,000 n/a 0.0%
Great Southern Bank $295,000 n/a 0.0%
CIVIC FINANCIAL SERVICES, LLC $115,000 $290,000 152.2% 0.0%
INTOUCH CREDIT UNION $285,000 n/a 0.0%
Pioneer Bank, SSB $1,110,000 $285,000 -74.3% 0.0%
RANLIFE, INC. $300,000 $285,000 -5.0% 0.0%
SHELL FEDERAL CREDIT UNION $295,000 $280,000 -5.1% 0.0%
CITY FIRST MORTGAGE SERVICES, L.L.C. $565,000 $275,000 -51.3% 0.0%
Midwest Mortgage Associates Corporation $265,000 $275,000 3.8% 0.0%
Texana Bank $1,020,000 $275,000 -73.0% 0.0%
VERITAS FUNDING, LLC $275,000 n/a 0.0%
WESCOM CENTRAL CREDIT UNION $275,000 n/a 0.0%
Citizens State Bank $255,000 n/a 0.0%
Complex Community Federal Credit Union $85,000 $255,000 200.0% 0.0%
Credit Union of Texas $45,000 $255,000 466.7% 0.0%
The City National Bank of Sulphur Springs $255,000 n/a 0.0%
FIRST STATE MORTGAGE SERVICES, LLC $215,000 $250,000 16.3% 0.0%
ALLIANT CREDIT UNION $650,000 $245,000 -62.3% 0.0%
THE MORTGAGE FIRM, INC. $245,000 n/a 0.0%
Texas Regional Bank $240,000 n/a 0.0%
TJC Mortgage, Inc. $750,000 $240,000 -68.0% 0.0%
Magnolia Bank $1,140,000 $235,000 -79.4% 0.0%
Metro City Bank $235,000 n/a 0.0%
Reliant Bank $55,000 $235,000 327.3% 0.0%
H E B $280,000 $230,000 -17.9% 0.0%
Manufacturers and Traders Trust Company $230,000 n/a 0.0%
Hancock Whitney Bank $55,000 $225,000 309.1% 0.0%
Stride Bank $225,000 n/a 0.0%
Comerica Bank $220,000 n/a 0.0%
Advisors Mortgage Group, L.L.C. $215,000 n/a 0.0%
GMFS LLC $515,000 $215,000 -58.3% 0.0%
STANDARD MORTGAGE CORPORATION $215,000 n/a 0.0%
VAN DYK MORTGAGE CORPORATION $305,000 $215,000 -29.5% 0.0%
AAXY L.L.C. $225,000 $210,000 -6.7% 0.0%
Spirit of Texas Bank, SSB $210,000 n/a 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $210,000 n/a 0.0%
Zions Bancorporation, N.A. $645,000 $210,000 -67.4% 0.0%
BARKSDALE $205,000 n/a 0.0%
Colten Mortgage, LLC $480,000 $205,000 -57.3% 0.0%
HOME FINANCING UNLIMITED, INC. $335,000 $205,000 -38.8% 0.0%
UIF CORPORATION $205,000 n/a 0.0%
CERTAINTY HOME LOANS, LLC $205,000 $195,000 -4.9% 0.0%
Origin Bank $2,160,000 $195,000 -91.0% 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $195,000 n/a 0.0%
Alliance Bank $95,000 $185,000 94.7% 0.0%
First Republic Bank $185,000 n/a 0.0%
RED DIAMOND HOME LOANS, LLC $185,000 n/a 0.0%
Vantage Bank Texas $185,000 n/a 0.0%
1ST FINANCIAL, INC. $175,000 n/a 0.0%
DOMINION FINANCIAL SERVICES, LLC $175,000 n/a 0.0%
ENDEAVOR CAPITAL, LLC. $175,000 n/a 0.0%
MICHIGAN MUTUAL, INC. $450,000 $175,000 -61.1% 0.0%
NEXUS SERIES B, LLC $175,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $750,000 $175,000 -76.7% 0.0%
ANGEL OAK HOME LOANS LLC $205,000 $165,000 -19.5% 0.0%
Citadel Servicing Corporation $165,000 n/a 0.0%
J. VIRGIL, INC. $165,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $165,000 n/a 0.0%
Visio Financial Services Inc. $115,000 $165,000 43.5% 0.0%
Pinnacle Bank $160,000 n/a 0.0%
FC LENDING, LTD. $265,000 $155,000 -41.5% 0.0%
Level One Bank $155,000 n/a 0.0%
DATA MORTGAGE, INC. $145,000 n/a 0.0%
LEGACY MORTGAGE LLC $145,000 n/a 0.0%
NAVY ARMY COMMUNITY CREDIT UNION $610,000 $145,000 -76.2% 0.0%
TOWNE MORTGAGE COMPANY $155,000 $145,000 -6.5% 0.0%
Commercial Bank of Texas $285,000 $135,000 -52.6% 0.0%
FirstBank Southwest $365,000 $135,000 -63.0% 0.0%
GERSHMAN INVESTMENT CORP. $265,000 $135,000 -49.1% 0.0%
T2 FINANCIAL LLC $135,000 n/a 0.0%
ALTRA $125,000 n/a 0.0%
Arvest Bank $770,000 $125,000 -83.8% 0.0%
Citibank $17,815,000 $125,000 -99.3% 0.0%
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $125,000 n/a 0.0%
GREATER TEXAS FEDERAL CREDIT UNION $280,000 $125,000 -55.4% 0.0%
REVERSE MORTGAGE FUNDING LLC $125,000 n/a 0.0%
Sunflower Bank $795,000 $125,000 -84.3% 0.0%
TEXANS $115,000 n/a 0.0%
EECU $105,000 n/a 0.0%
FIRSTMARK $105,000 n/a 0.0%
HomeBank Texas $105,000 n/a 0.0%
Kwik Mortgage Corporation $205,000 $105,000 -48.8% 0.0%
The First National Bank of Tom Bean $215,000 $105,000 -51.2% 0.0%
AMWEST FUNDING CORP. $95,000 n/a 0.0%
GULF COAST EDUCATORS FEDERAL CREDIT UNION $95,000 n/a 0.0%
Home Federal Bank $285,000 $95,000 -66.7% 0.0%
Southside Bank $1,320,000 $95,000 -92.8% 0.0%
Frost Bank $55,000 $85,000 54.5% 0.0%
FirstLight Federal Credit Union $75,000 n/a 0.0%
InterBank $185,000 $75,000 -59.5% 0.0%
UNIVERSAL LENDING CORPORATION $75,000 n/a 0.0%
Chickasaw Community Bank $400,000 $65,000 -83.8% 0.0%
Gate City Bank $65,000 n/a 0.0%

WACO's top lender by overall market share is SWBC MORTGAGE CORPORATION, with 6.9% market share. In second place, with 6.5%, is QUICKEN LOANS, LLC, having originated $125,835,000 in loans. In third place, with 6.4%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $125,445,000 in loans. In third place, with 4.7%, is Wallick & Volk, Inc., having originated $90,980,000 in loans. In third place, with 2.3%, is DHI MORTGAGE COMPANY, LTD., having originated $44,950,000 in loans.


WACO, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 4,174 $1,034,730,000 $247,899
Refi 2,709 $620,615,000 $229,094
Cash Out Refi 1,173 $264,625,000 $225,597
Home Improvement 181 $17,645,000 $97,486
Other 87 $13,125,000 $150,862
NA 1 $175,000 $175,000

Waco's most frequently cited loan purpose was Home Purchase, with 4,174 originations. The 2nd most popular reason was Refi, with 2,709 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 3,205 $747,795,000 $233,321
2.5-3% 2,478 $575,790,000 $232,361
<2.5% 1,043 $242,455,000 $232,459
4-5% 334 $74,820,000 $224,012
5-6% 60 $7,730,000 $128,833
Over 8% 54 $5,430,000 $100,556
7-8% 39 $4,145,000 $106,282
6-7% 24 $2,770,000 $115,417

During 2021, Waco's most frequently originated rate bucket was 3-4%, with 3,205 originations.

Loan Sizing (WACO, TX MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 3,316 $893,880,000 $269,566
$100k-200k 3,267 $500,805,000 $153,292
$100,000 or less 1,083 $70,095,000 $64,723
$400k-600k 513 $243,965,000 $475,565
$600k-1000k 104 $77,140,000 $741,731
$Over $1MM 42 $165,030,000 $3,929,286

WACO's loan sizing saw the bucket of loans from $200k-400k with 3,316 originations, totaling $893,880,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 3,037 $729,795,000 $240,301
60-80% 2,370 $661,190,000 $278,983
40-60% 998 $193,970,000 $194,359
20-40% 317 $37,195,000 $117,334
Under 20% 135 $7,155,000 $53,000
Over 100% 126 $35,870,000 $284,683

WACO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 3,037 originations, totaling $729,795,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - WACO (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 $206,500 (14.3%) $261,544 (0.5%) 0.76 641
2018-02-01 $211,000 (17.3%) $265,594 (1.6%) 0.76 659
2018-03-01 $219,700 (14.4%) $278,528 (4.7%) 0.76 649
2018-04-01 $225,500 (15.6%) $292,367 (12.9%) 0.76 661
2018-05-01 $225,000 (7.4%) $292,919 (8.9%) 0.75 665
2018-06-01 $229,000 (9.1%) $289,296 (4.4%) 0.76 741
2018-07-01 $209,500 (-1.0%) $278,618 (-1.5%) 0.70 829
2018-08-01 $209,700 (-0.1%) $277,997 (2.3%) 0.70 854
2018-09-01 $214,900 (4.4%) $283,596 (6.2%) 0.72 852
2018-10-01 $200,000 (-2.6%) $285,385 (8.9%) 0.67 889
2018-11-01 $199,900 (-1.3%) $283,081 (10.7%) 0.67 881
2018-12-01 $199,999 (0.1%) $282,695 (10.6%) 0.68 834
2019-01-01 $200,000 (-3.2%) $276,381 (5.7%) 0.69 782
2019-02-01 $213,900 (1.4%) $270,989 (2.0%) 0.72 778
2019-03-01 $221,329 (0.7%) $281,693 (1.1%) 0.72 754
2019-04-01 $231,700 (2.8%) $295,009 (0.9%) 0.73 715
2019-05-01 $231,450 (2.9%) $297,377 (1.5%) 0.71 718
2019-06-01 $229,900 (0.4%) $296,216 (2.4%) 0.71 752
2019-07-01 $235,500 (12.4%) $300,192 (7.7%) 0.73 815
2019-08-01 $232,814 (11.0%) $293,852 (5.7%) 0.73 795
2019-09-01 $229,450 (6.8%) $281,699 (-0.7%) 0.73 756
2019-10-01 $224,839 (12.4%) $275,739 (-3.4%) 0.72 777
2019-11-01 $225,000 (12.6%) $281,922 (-0.4%) 0.73 755
2019-12-01 $225,000 (12.5%) $280,171 (-0.9%) 0.75 720
2020-01-01 $222,450 (11.2%) $268,189 (-3.0%) 0.74 677
2020-02-01 $224,900 (5.1%) $276,188 (1.9%) 0.73 696
2020-03-01 $228,683 (3.3%) $271,897 (-3.5%) 0.71 686
2020-04-01 $232,450 (0.3%) $277,669 (-5.9%) 0.72 697
2020-05-01 $249,900 (8.0%) $303,301 (2.0%) 0.76 674
2020-06-01 $259,900 (13.1%) $318,949 (7.7%) 0.76 598
2020-07-01 $255,450 (8.5%) $321,978 (7.3%) 0.73 563
2020-08-01 $255,000 (9.5%) $323,990 (10.3%) 0.73 532
2020-09-01 $250,000 (9.0%) $321,619 (14.2%) 0.71 503
2020-10-01 $250,000 (11.2%) $325,817 (18.2%) 0.71 461
2020-11-01 $245,000 (8.9%) $324,898 (15.2%) 0.70 440
2020-12-01 $247,000 (9.8%) $329,187 (17.5%) 0.72 403
2021-01-01 $240,000 (7.9%) $342,052 (27.5%) 0.71 314
2021-02-01 $244,990 (8.9%) $355,453 (28.7%) 0.70 257
2021-03-01 $258,450 (13.0%) $380,139 (39.8%) 0.72 218
2021-04-01 $259,450 (11.6%) $403,041 (45.2%) 0.70 201
2021-05-01 $275,000 (10.0%) $429,911 (41.7%) 0.72 200
2021-06-01 $293,250 (12.8%) $421,727 (32.2%) 0.76 255
2021-07-01 $267,450 (4.7%) $401,004 (24.5%) 0.69 331
2021-08-01 $280,713 (10.1%) $398,981 (23.2%) 0.74 404
2021-09-01 $277,817 (11.1%) $407,641 (26.8%) 0.73 400
2021-10-01 $279,900 (12.0%) $437,486 (34.3%) 0.74 356
2021-11-01 $299,900 (22.4%) $441,263 (35.8%) 0.79 365
2021-12-01 $319,900 (29.5%) $470,948 (43.1%) 0.85 356
2022-01-01 $277,900 (15.8%) $462,386 (35.2%) 0.74 300
2022-02-01 $292,500 (19.4%) $460,394 (29.5%) 0.75 260
2022-03-01 $312,500 (20.9%) $465,278 (22.4%) 0.77 259
2022-04-01 $315,000 (21.4%) $468,305 (16.2%) 0.74 291
WACO's median listing price for 2022-04-01 was $315,000, a difference of $55,550 (21.4%) versus the prior year and $2,500 versus the prior month.

WACO's median listing price comes in at 74% of the national average.

WACO's average listing price for 2022-04-01 was $468,305, a difference of $65,264 (16.2%) versus the prior year and $3,027 versus the prior month.

For the 2022-04-01 period, WACO had 291 MLS listings, a difference of 32 listings (12%) versus the prior month and 90 listings (45%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - WACO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 79 days 1,966 sqft
2018-02-01 78 days 1,972 sqft
2018-03-01 67 days 1,984 sqft
2018-04-01 59 days 2,082 sqft
2018-05-01 55 days 2,076 sqft
2018-06-01 49 days 2,015 sqft
2018-07-01 45 days 1,971 sqft
2018-08-01 51 days 1,990 sqft
2018-09-01 63 days 2,020 sqft
2018-10-01 67 days 1,962 sqft
2018-11-01 73 days 1,992 sqft
2018-12-01 80 days 1,997 sqft
2019-01-01 88 days 1,989 sqft
2019-02-01 85 days 2,009 sqft
2019-03-01 84 days 2,020 sqft
2019-04-01 60 days 2,037 sqft
2019-05-01 57 days 2,041 sqft
2019-06-01 51 days 2,041 sqft
2019-07-01 47 days 2,043 sqft
2019-08-01 56 days 2,037 sqft
2019-09-01 66 days 2,029 sqft
2019-10-01 63 days 1,978 sqft
2019-11-01 67 days 2,002 sqft
2019-12-01 75 days 1,990 sqft
2020-01-01 76 days 1,976 sqft
2020-02-01 63 days 1,977 sqft
2020-03-01 56 days 2,002 sqft
2020-04-01 62 days 2,000 sqft
2020-05-01 58 days 2,055 sqft
2020-06-01 56 days 2,069 sqft
2020-07-01 57 days 2,087 sqft
2020-08-01 53 days 2,070 sqft
2020-09-01 53 days 2,040 sqft
2020-10-01 58 days 2,070 sqft
2020-11-01 57 days 2,021 sqft
2020-12-01 58 days 2,010 sqft
2021-01-01 70 days 1,983 sqft
2021-02-01 61 days 1,852 sqft
2021-03-01 44 days 1,858 sqft
2021-04-01 41 days 1,855 sqft
2021-05-01 30 days 1,978 sqft
2021-06-01 18 days 2,006 sqft
2021-07-01 22 days 1,886 sqft
2021-08-01 27 days 1,916 sqft
2021-09-01 33 days 1,907 sqft
2021-10-01 45 days 2,000 sqft
2021-11-01 44 days 2,068 sqft
2021-12-01 44 days 2,035 sqft
2022-01-01 51 days 1,833 sqft
2022-02-01 51 days 1,879 sqft
2022-03-01 43 days 1,916 sqft
2022-04-01 29 days 1,792 sqft
WACO's median listing age (time on market) for 2022-04-01 was 29 days. This is -28% shorter than the same period one year ago.

WACO's median square footage for active listings during the 2022-04-01 period was 1,792 sqft. One year prior, the average listing was 1,855 sqft.