WACO Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Waco averaged
7%
for the week of 2024-11-27, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2024-11-21) was
6.63% and
one month ago for the week of 2024-10-24, the
average rate was 6.43%.
Waco's average rate one year ago was 7.18%.
For refis of the same type during the week of 2024-11-27, the average rate
was 6.99%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2024-11-27 | 6.81% |
| Waco 30 Year Fixed Rate | 2024-11-27 | 7% |
| Waco 30 Year Fixed Rate Refi | 2024-11-27 | 6.99% |
| Waco 15 Year Fixed Rate | 2024-11-27 | 6.1% |
| Waco 15 Year Fixed Rate Refi | 2024-11-27 | 6.6% |
| Waco 30 Year FHA | 2024-11-27 | 0.07% |
| Waco 30 Year FHA Refi | 2024-11-27 | -0.2% |
| Waco 30 Year USDA | 2024-11-27 | -0.1% |
| Waco 30 Year USDA Refi | 2024-11-27 | 0.1% |
| Waco 30 Year VA | 2024-11-27 | 0% |
| Waco 30 Year VA Refi | 2024-11-27 | -0.1% |
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 lender, 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.).
WACO Average Closing Costs & Other Stats
WACO, TX's 192 lenders originated 4,051
loans during 2023. The total origination value was $1,099,725,000, with an average loan value of
$271,470.
WACO's average closing costs are $5,546.
The top WACO lender as defined by loan originations is SWBC MORTGAGE CORPORATION, with
142 loans originated. Their average total fees are
$5,887, which is $498
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee WACO lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($4,036), JPMorgan Chase Bank ($4,164), Wells Fargo Bank ($4,660), Wallick & Volk, Inc. ($5,606) and SWBC MORTGAGE CORPORATION ($5,887).
The lowest rate WACO lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.46%), CMG MORTGAGE, INC. (6.20%), Extraco Banks (6.38%), BancorpSouth (6.43%) and PRIMELENDING, A PLAINSCAPITAL COMPANY (6.46%).
WACO, 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 | 2022 Loan Value | 2023 Loan Value | % Change | 2023 Market Share |
|---|---|---|---|---|
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $110,285,000 | $74,060,000 | -32.8% | 6.7% |
| SWBC MORTGAGE CORPORATION | $86,375,000 | $66,890,000 | -22.6% | 6.1% |
| DHI MORTGAGE COMPANY, LTD. | $36,215,000 | $46,910,000 | 29.5% | 4.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $29,295,000 | $44,710,000 | 52.6% | 4.1% |
| QUICKEN LOANS, LLC | $74,685,000 | $41,415,000 | -44.5% | 3.8% |
| Community Bank & Trust, Waco, Texas | $37,570,000 | $39,905,000 | 6.2% | 3.6% |
| Central National Bank | $40,220,000 | $36,800,000 | -8.5% | 3.3% |
| Alliance Bank Central Texas | $36,455,000 | $34,185,000 | -6.2% | 3.1% |
| Broadway National Bank | $32,925,000 | n/a | 3.0% | |
| Wallick & Volk, Inc. | $48,440,000 | $31,710,000 | -34.5% | 2.9% |
| Independent Bank | $16,090,000 | $27,005,000 | 67.8% | 2.5% |
| First National Bank of Central Texas | $53,145,000 | $24,795,000 | -53.3% | 2.3% |
| The First National Bank of McGregor | $28,125,000 | $23,995,000 | -14.7% | 2.2% |
| American Bank, N.A. | $47,115,000 | $19,830,000 | -57.9% | 1.8% |
| First United Bank and Trust Company | $3,900,000 | $19,750,000 | 406.4% | 1.8% |
| Extraco Banks | $17,905,000 | $17,965,000 | 0.3% | 1.6% |
| Mortgage Research Center, LLC | $23,205,000 | $17,675,000 | -23.8% | 1.6% |
| First National Bank Texas | $30,700,000 | $17,235,000 | -43.9% | 1.6% |
| GUARANTEED RATE, INC. | $22,230,000 | $14,840,000 | -33.2% | 1.3% |
| Trinity Oaks Mortgage, LLC | $9,840,000 | $14,725,000 | 49.6% | 1.3% |
| BancorpSouth | $14,830,000 | $12,040,000 | -18.8% | 1.1% |
| CORNERSTONE HOME LENDING, INC. | $5,130,000 | $11,585,000 | 125.8% | 1.1% |
| Affiliated Bank | $215,000 | $10,700,000 | 4,876.7% | 1.0% |
| Network Funding, L.P. | $7,850,000 | $10,295,000 | 31.1% | 0.9% |
| Members Choice of Central Texas Federal Credit Union | $13,915,000 | $10,040,000 | -27.8% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $9,955,000 | $10,010,000 | 0.6% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $12,140,000 | $9,680,000 | -20.3% | 0.9% |
| CMG MORTGAGE, INC. | $7,605,000 | $8,885,000 | 16.8% | 0.8% |
| Gateway First Bank | $14,095,000 | $8,730,000 | -38.1% | 0.8% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $10,560,000 | $8,610,000 | -18.5% | 0.8% |
| AMCAP MORTGAGE, LTD. | $6,380,000 | $8,020,000 | 25.7% | 0.7% |
| GUILD MORTGAGE COMPANY | $13,660,000 | $7,935,000 | -41.9% | 0.7% |
| 21ST MORTGAGE CORPORATION | $4,960,000 | $7,470,000 | 50.6% | 0.7% |
| JPMorgan Chase Bank | $14,105,000 | $7,265,000 | -48.5% | 0.7% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $8,445,000 | $6,780,000 | -19.7% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $13,395,000 | $6,535,000 | -51.2% | 0.6% |
| GREYSTONE SERVICING COMPANY LLC | $6,385,000 | n/a | 0.6% | |
| VeraBank | $2,035,000 | $6,170,000 | 203.2% | 0.6% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $12,860,000 | $5,960,000 | -53.7% | 0.5% |
| City Bank | $20,265,000 | $5,925,000 | -70.8% | 0.5% |
| NEWREZ LLC | $6,405,000 | $5,910,000 | -7.7% | 0.5% |
| USAA Federal Savings Bank | $6,990,000 | $5,390,000 | -22.9% | 0.5% |
| Prosperity Bank | $1,515,000 | $5,070,000 | 234.7% | 0.5% |
| THRIVE MORTGAGE, LLC | $8,060,000 | $4,945,000 | -38.6% | 0.4% |
| Wells Fargo Bank | $48,375,000 | $4,575,000 | -90.5% | 0.4% |
| Classic Bank | $1,690,000 | $4,300,000 | 154.4% | 0.4% |
| Flagstar Bank, FSB | $8,390,000 | $4,175,000 | -50.2% | 0.4% |
| Incommons Bank, N.A. | $5,590,000 | $4,005,000 | -28.4% | 0.4% |
| LOANDEPOT.COM, LLC | $16,865,000 | $3,980,000 | -76.4% | 0.4% |
| First National Bank of Bosque County | $3,380,000 | $3,695,000 | 9.3% | 0.3% |
| PNC Bank | $22,305,000 | $3,680,000 | -83.5% | 0.3% |
| Bank of America | $9,880,000 | $3,660,000 | -63.0% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $21,285,000 | $3,610,000 | -83.0% | 0.3% |
| UNION HOME MORTGAGE CORP. | $275,000 | $3,460,000 | 1,158.2% | 0.3% |
| SOUTHWEST STAGE FUNDING, LLC | $2,940,000 | $3,350,000 | 13.9% | 0.3% |
| Regions Bank | $3,225,000 | $3,275,000 | 1.6% | 0.3% |
| Stifel Bank and Trust | $395,000 | $3,275,000 | 729.1% | 0.3% |
| EDUCATORS CREDIT UNION | $7,300,000 | $3,270,000 | -55.2% | 0.3% |
| First Central Credit Union | $5,120,000 | $3,240,000 | -36.7% | 0.3% |
| CARDINAL FINANCIAL | $5,020,000 | $3,200,000 | -36.3% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,460,000 | $3,175,000 | -8.2% | 0.3% |
| GENCO Federal Credit Union | $2,980,000 | $3,170,000 | 6.4% | 0.3% |
| The First National Bank of Hughes Springs | $2,405,000 | $3,150,000 | 31.0% | 0.3% |
| PENTAGON FEDERAL CREDIT UNION | $1,505,000 | $3,110,000 | 106.6% | 0.3% |
| TIB The Independent Bankersbank | $2,750,000 | $2,905,000 | 5.6% | 0.3% |
| Northpointe Bank | $1,105,000 | $2,795,000 | 152.9% | 0.3% |
| SFMC, LP | $2,165,000 | $2,660,000 | 22.9% | 0.2% |
| BOKF | $2,215,000 | $2,625,000 | 18.5% | 0.2% |
| FREEDOM MORTGAGE CORPORATION | $6,365,000 | $2,575,000 | -59.5% | 0.2% |
| Pointwest Bank | $2,520,000 | n/a | 0.2% | |
| SUMMIT FUNDING, INC. | $1,650,000 | $2,485,000 | 50.6% | 0.2% |
| LOANPAL, LLC | $2,810,000 | $2,465,000 | -12.3% | 0.2% |
| RANDOLPH-BROOKS | $5,260,000 | $2,410,000 | -54.2% | 0.2% |
| MLD MORTGAGE INC. | $2,170,000 | n/a | 0.2% | |
| First Guaranty Bank | $2,100,000 | $2,150,000 | 2.4% | 0.2% |
| BETTER MORTGAGE CORPORATION | $4,870,000 | $2,135,000 | -56.2% | 0.2% |
| BROKER SOLUTIONS, INC. | $4,680,000 | $2,120,000 | -54.7% | 0.2% |
| Coastal Community Bank | $2,105,000 | n/a | 0.2% | |
| First Financial Bank | $2,455,000 | $2,070,000 | -15.7% | 0.2% |
| First Horizon Bank | $275,000 | $2,055,000 | 647.3% | 0.2% |
| MID AMERICA MORTGAGE, INC. | $4,260,000 | $1,975,000 | -53.6% | 0.2% |
| NexBank | $3,125,000 | $1,930,000 | -38.2% | 0.2% |
| Discover Bank | $990,000 | $1,910,000 | 92.9% | 0.2% |
| TEXELL Credit Union | $2,830,000 | $1,870,000 | -33.9% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $1,985,000 | $1,840,000 | -7.3% | 0.2% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $460,000 | $1,825,000 | 296.7% | 0.2% |
| Equity Prime Mortgage LLC | $930,000 | $1,785,000 | 91.9% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $2,500,000 | $1,765,000 | -29.4% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,875,000 | $1,760,000 | -38.8% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $3,445,000 | $1,730,000 | -49.8% | 0.2% |
| EVERETT FINANCIAL, INC. | $4,370,000 | $1,655,000 | -62.1% | 0.2% |
| U.S. Bank | $2,860,000 | $1,645,000 | -42.5% | 0.1% |
| Citizens Bank | $1,465,000 | $1,615,000 | 10.2% | 0.1% |
| UNITED BUILT HOMES, L.L.C. | $315,000 | $1,565,000 | 396.8% | 0.1% |
| COUNTRYPLACE MORTGAGE, LTD. | $800,000 | $1,510,000 | 88.8% | 0.1% |
| PILGRIM MORTGAGE LLC | $185,000 | $1,510,000 | 716.2% | 0.1% |
| The Huntington National Bank | $895,000 | $1,495,000 | 67.0% | 0.1% |
| GARDNER FINANCIAL SERVICES, LTD. | $1,395,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $1,790,000 | $1,385,000 | -22.6% | 0.1% |
| TRIAD FINANCIAL SERVICES, INC. | $1,420,000 | $1,380,000 | -2.8% | 0.1% |
| 1ST SIGNATURE LENDING, LLC | $1,370,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $1,425,000 | $1,325,000 | -7.0% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $240,000 | $1,320,000 | 450.0% | 0.1% |
| NEXERA HOLDING LLC | $1,205,000 | $1,290,000 | 7.1% | 0.1% |
| MICHIGAN MUTUAL, INC. | $1,275,000 | n/a | 0.1% | |
| American National Bank & Trust | $1,100,000 | $1,265,000 | 15.0% | 0.1% |
| Sunflower Bank | $1,385,000 | $1,240,000 | -10.5% | 0.1% |
| NTFN, INC. | $970,000 | $1,185,000 | 22.2% | 0.1% |
| Credit Union of Texas | $1,200,000 | $1,150,000 | -4.2% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $1,705,000 | $1,150,000 | -32.6% | 0.1% |
| Frost Bank | $905,000 | $1,145,000 | 26.5% | 0.1% |
| HOMESIDE FINANCIAL, LLC | $370,000 | $1,135,000 | 206.8% | 0.1% |
| LOANPEOPLE, LLC | $1,250,000 | $1,125,000 | -10.0% | 0.1% |
| BMO Harris Bank | $1,095,000 | n/a | 0.1% | |
| The Federal Savings Bank | $1,420,000 | $1,095,000 | -22.9% | 0.1% |
| Citadel Servicing Corporation | $1,070,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $3,720,000 | $1,065,000 | -71.4% | 0.1% |
| OCMBC, INC. | $430,000 | $1,025,000 | 138.4% | 0.1% |
| Plains Commerce Bank | $620,000 | $1,015,000 | 63.7% | 0.1% |
| T2 FINANCIAL LLC | $970,000 | $1,015,000 | 4.6% | 0.1% |
| The Central Trust Bank | $835,000 | $990,000 | 18.6% | 0.1% |
| Fidelity Bank | $950,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $480,000 | $945,000 | 96.9% | 0.1% |
| Carrington Mortgage Services, LLC | $1,405,000 | $925,000 | -34.2% | 0.1% |
| MORTGAGE FINANCIAL SERVICES, LLC | $1,200,000 | $925,000 | -22.9% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $4,920,000 | $920,000 | -81.3% | 0.1% |
| American Airlines Federal Credit Union | $205,000 | $900,000 | 339.0% | 0.1% |
| Citibank | $75,000 | $885,000 | 1,080.0% | 0.1% |
| RF Renovo Management Company, LLC | $1,305,000 | $885,000 | -32.2% | 0.1% |
| Deere Employees Credit Union | $470,000 | $865,000 | 84.0% | 0.1% |
| OPEN MORTGAGE, LLC | $530,000 | $860,000 | 62.3% | 0.1% |
| V.I.P. MORTGAGE, INC. | $320,000 | $855,000 | 167.2% | 0.1% |
| EECU | $300,000 | $845,000 | 181.7% | 0.1% |
| Logan Finance Corporation | $830,000 | n/a | 0.1% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,435,000 | $820,000 | -42.9% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $810,000 | $820,000 | 1.2% | 0.1% |
| M&T Bank | $530,000 | $820,000 | 54.7% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $85,000 | $810,000 | 852.9% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $940,000 | $800,000 | -14.9% | 0.1% |
| Beeline Loans, Inc. | $175,000 | $780,000 | 345.7% | 0.1% |
| Centennial Bank | $5,045,000 | $780,000 | -84.5% | 0.1% |
| NEXUS SERIES B, LLC | $510,000 | $760,000 | 49.0% | 0.1% |
| SouthStar Bank, S.S.B. | $485,000 | $745,000 | 53.6% | 0.1% |
| ASPIRE FINANCIAL, INC. | $5,390,000 | $740,000 | -86.3% | 0.1% |
| Waterstone Mortgage Corporation | $240,000 | $740,000 | 208.3% | 0.1% |
| AMERICAN FINANCING CORPORATION | $2,435,000 | $730,000 | -70.0% | 0.1% |
| The Bank of Fayette County | $730,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $720,000 | n/a | 0.1% | |
| Citizens National Bank | $205,000 | $715,000 | 248.8% | 0.1% |
| OAKTREE FUNDING CORP. | $705,000 | n/a | 0.1% | |
| Hometown Equity Mortgage, LLC | $2,700,000 | $695,000 | -74.3% | 0.1% |
| International Bank of Commerce | $55,000 | $690,000 | 1,154.5% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $195,000 | $680,000 | 248.7% | 0.1% |
| ENVOY MORTGAGE, LTD | $680,000 | n/a | 0.1% | |
| First Bank | $665,000 | $680,000 | 2.3% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $4,100,000 | $675,000 | -83.5% | 0.1% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $675,000 | n/a | 0.1% | |
| EASTMAN | $405,000 | $660,000 | 63.0% | 0.1% |
| FLAT BRANCH MORTGAGE, INC. | $2,065,000 | $645,000 | -68.8% | 0.1% |
| Bank of England | $410,000 | $635,000 | 54.9% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $2,160,000 | $620,000 | -71.3% | 0.1% |
| SECURITY SERVICE | $585,000 | $610,000 | 4.3% | 0.1% |
| Abbott Laboratories Employees Credit Union | $595,000 | n/a | 0.1% | |
| NBKC BANK | $970,000 | $580,000 | -40.2% | 0.1% |
| NEW FED MORTGAGE, CORP. | $570,000 | n/a | 0.1% | |
| First National Bank | $235,000 | $565,000 | 140.4% | 0.1% |
| PHH Mortgage Corporation | $890,000 | $565,000 | -36.5% | 0.1% |
| RUOFF MORTGAGE COMPANY, INC. | $205,000 | $565,000 | 175.6% | 0.1% |
| CITIZENS EQUITY FIRST | $550,000 | n/a | 0.1% | |
| S1L, Inc. | $1,270,000 | $550,000 | -56.7% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $535,000 | n/a | 0.0% | |
| CASTLE & COOKE MORTGAGE, LLC | $535,000 | n/a | 0.0% | |
| Goldman Sachs Bank USA | $525,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $540,000 | $515,000 | -4.6% | 0.0% |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $925,000 | $510,000 | -44.9% | 0.0% |
| Simmons Bank | $24,735,000 | $510,000 | -97.9% | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | $505,000 | n/a | 0.0% | |
| First National Bank of Evant | $500,000 | n/a | 0.0% | |
| The Loan Store, Inc. | $495,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $540,000 | $490,000 | -9.3% | 0.0% |
| Community Bank | $490,000 | n/a | 0.0% | |
| LEGEND LENDING CORPORATION | $1,120,000 | $490,000 | -56.3% | 0.0% |
| RESIDENTIAL HOME FUNDING CORP. | $485,000 | n/a | 0.0% | |
| ZILLOW HOME LOANS, LLC | $600,000 | $475,000 | -20.8% | 0.0% |
| Merchants Bank of Indiana | $465,000 | n/a | 0.0% | |
| Republic State Mortgage Co. | $610,000 | $460,000 | -24.6% | 0.0% |
| InterBank | $455,000 | n/a | 0.0% | |
| American First National Bank | $450,000 | n/a | 0.0% | |
| Greenbox Loans, Inc. | $640,000 | $450,000 | -29.7% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $4,365,000 | $440,000 | -89.9% | 0.0% |
| AgFirst Farm Credit Bank | $525,000 | $435,000 | -17.1% | 0.0% |
| Springfield First Community Bank | $435,000 | n/a | 0.0% | |
| UNITED SECURITY FINANCIAL CORP | $435,000 | n/a | 0.0% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $945,000 | $430,000 | -54.5% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $430,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $2,225,000 | $430,000 | -80.7% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $1,230,000 | $430,000 | -65.0% | 0.0% |
| CLM MORTGAGE, INC | $425,000 | n/a | 0.0% | |
| Farmers Bank & Trust | $425,000 | n/a | 0.0% | |
| Texas Bank and Trust Company | $365,000 | $425,000 | 16.4% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $205,000 | $415,000 | 102.4% | 0.0% |
| American Momentum Bank | $410,000 | n/a | 0.0% | |
| UNIVERSITY Federal Credit Union | $1,495,000 | $410,000 | -72.6% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $1,910,000 | $400,000 | -79.1% | 0.0% |
| BAY EQUITY LLC | $155,000 | $395,000 | 154.8% | 0.0% |
| PLANET HOME LENDING, LLC | $880,000 | $385,000 | -56.3% | 0.0% |
| PREMIA MORTGAGE, LLC | $570,000 | $385,000 | -32.5% | 0.0% |
| GMFS LLC | $375,000 | n/a | 0.0% | |
| Magnolia Bank | $145,000 | $375,000 | 158.6% | 0.0% |
| Nations Lending Corporation | $335,000 | $375,000 | 11.9% | 0.0% |
| STANDARD MORTGAGE CORPORATION | $435,000 | $375,000 | -13.8% | 0.0% |
| ACADEMY MORTGAGE CORPORATION | $855,000 | $370,000 | -56.7% | 0.0% |
| A+ Federal Credit Union | $355,000 | $370,000 | 4.2% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $380,000 | $365,000 | -3.9% | 0.0% |
| Farm Credit Mid-America, ACA | $365,000 | n/a | 0.0% | |
| RBC Bank, (Georgia) | $365,000 | n/a | 0.0% | |
| ANGEL OAK HOME LOANS LLC | $1,310,000 | $360,000 | -72.5% | 0.0% |
| GUARANTY HOME MORTGAGE CORPORATION | $355,000 | n/a | 0.0% | |
| AmeriHome Mortgage Company, LLC | $2,205,000 | $350,000 | -84.1% | 0.0% |
| SIRVA MORTGAGE, INC. | $1,465,000 | $350,000 | -76.1% | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | $965,000 | $350,000 | -63.7% | 0.0% |
| Brighton Bank | $345,000 | n/a | 0.0% | |
| EMBRACE HOME LOANS, INC. | $345,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $340,000 | n/a | 0.0% | |
| GENEVA FINANCIAL, LLC | $340,000 | n/a | 0.0% | |
| The First National Bank of Granbury | $335,000 | n/a | 0.0% | |
| MORTGAGEONE, INC. | $205,000 | $325,000 | 58.5% | 0.0% |
| Neighborhood Loans, Inc. | $360,000 | $325,000 | -9.7% | 0.0% |
| GSF Mortgage Corporation | $315,000 | n/a | 0.0% | |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $315,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $715,000 | $310,000 | -56.6% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $305,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $305,000 | n/a | 0.0% | |
| Truist | $1,305,000 | $305,000 | -76.6% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $810,000 | $300,000 | -63.0% | 0.0% |
| GoPrime Mortgage, Inc. | $295,000 | n/a | 0.0% | |
| GULF COAST EDUCATORS FEDERAL CREDIT UNION | $295,000 | n/a | 0.0% | |
| Inwood National Bank | $295,000 | n/a | 0.0% | |
| MEMBER HOME LOAN, L.L.C. | $285,000 | n/a | 0.0% | |
| R Bank | $285,000 | n/a | 0.0% | |
| AMERICA'S CREDIT UNION | $275,000 | n/a | 0.0% | |
| CHEVRON | $275,000 | n/a | 0.0% | |
| ST FIN CORP | $275,000 | n/a | 0.0% | |
| DUGOOD FEDERAL CREDIT UNION | $265,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $265,000 | n/a | 0.0% | |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $255,000 | n/a | 0.0% | |
| Austin Bank, Texas | $440,000 | $255,000 | -42.0% | 0.0% |
| COMPASS MORTGAGE, INC. | $305,000 | $255,000 | -16.4% | 0.0% |
| DELTA COMMUNITY CREDIT UNION | $255,000 | n/a | 0.0% | |
| First National Bank of Huntsville | $255,000 | n/a | 0.0% | |
| Secured Investment Corp. | $255,000 | n/a | 0.0% | |
| Citizens State Bank | $325,000 | $250,000 | -23.1% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $520,000 | $245,000 | -52.9% | 0.0% |
| Colonial Savings, F.A. | $525,000 | $245,000 | -53.3% | 0.0% |
| Florida Capital Bank | $245,000 | n/a | 0.0% | |
| General Mortgage Capital Corporation | $245,000 | n/a | 0.0% | |
| Golden Empire Mortgage, Inc. | $700,000 | $245,000 | -65.0% | 0.0% |
| Hancock Whitney Bank | $175,000 | $245,000 | 40.0% | 0.0% |
| Metro City Bank | $245,000 | n/a | 0.0% | |
| NJ LENDERS CORP. | $245,000 | n/a | 0.0% | |
| Prosperity Home Mortgage, LLC | $275,000 | $245,000 | -10.9% | 0.0% |
| UIF CORPORATION | $225,000 | $245,000 | 8.9% | 0.0% |
| Watermark Capital, Inc. | $1,645,000 | $245,000 | -85.1% | 0.0% |
| ADVANCIAL | $235,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL NETWORK, INC. | $235,000 | n/a | 0.0% | |
| Arvest Bank | $360,000 | $235,000 | -34.7% | 0.0% |
| BARTON CREEK LENDING GROUP, LLC | $490,000 | $235,000 | -52.0% | 0.0% |
| Commercial Bank of Texas | $310,000 | $235,000 | -24.2% | 0.0% |
| FIRST SERVICE Credit Union | $105,000 | $235,000 | 123.8% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $535,000 | $235,000 | -56.1% | 0.0% |
| NEW WAVE LENDING GROUP INC | $235,000 | n/a | 0.0% | |
| Renasant Bank | $235,000 | n/a | 0.0% | |
| The First National Bank of Albany | $350,000 | $235,000 | -32.9% | 0.0% |
| H E B | $315,000 | $230,000 | -27.0% | 0.0% |
| First Commercial Bank | $225,000 | n/a | 0.0% | |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $1,105,000 | $225,000 | -79.6% | 0.0% |
| Morgan Stanley Private Bank | $515,000 | $225,000 | -56.3% | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $215,000 | n/a | 0.0% | |
| Loan Simple, Inc. | $920,000 | $205,000 | -77.7% | 0.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | $1,095,000 | $205,000 | -81.3% | 0.0% |
| A&D Mortgage LLC | $155,000 | $195,000 | 25.8% | 0.0% |
| Texas Mortgage Lending, LLC | $655,000 | $195,000 | -70.2% | 0.0% |
| Towne Bank | $195,000 | n/a | 0.0% | |
| First National Bank of East Texas | $185,000 | n/a | 0.0% | |
| Alliance Credit Union | $175,000 | n/a | 0.0% | |
| Baxter Credit Union | $175,000 | n/a | 0.0% | |
| MANN FINANCIAL INC. | $175,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $710,000 | $175,000 | -75.4% | 0.0% |
| The Bank of Missouri | $170,000 | n/a | 0.0% | |
| CIVIC FINANCIAL SERVICES, LLC | $1,185,000 | $165,000 | -86.1% | 0.0% |
| Fifth Third Bank | $225,000 | $165,000 | -26.7% | 0.0% |
| Town Square Mortgage & Investments, Inc. | $545,000 | $165,000 | -69.7% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $240,000 | $160,000 | -33.3% | 0.0% |
| FORT WORTH CITY CREDIT UNION | $155,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $155,000 | n/a | 0.0% | |
| TEXAS DOW EMPLOYEES CREDIT UNION | $155,000 | n/a | 0.0% | |
| ALTRA | $195,000 | $145,000 | -25.6% | 0.0% |
| BM Real Estate Services, Inc. | $580,000 | $145,000 | -75.0% | 0.0% |
| Cooperative Teachers Credit Union | $145,000 | n/a | 0.0% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $305,000 | $145,000 | -52.5% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $135,000 | n/a | 0.0% | |
| CALIBER HOME LOANS, INC. | $9,855,000 | $125,000 | -98.7% | 0.0% |
| DATCU | $125,000 | n/a | 0.0% | |
| GOVERNMENT EMPLOYEES FEDERAL CREDIT UNION | $125,000 | n/a | 0.0% | |
| Origin Bank | $125,000 | n/a | 0.0% | |
| AMPLIFY | $10,275,000 | $120,000 | -98.8% | 0.0% |
| First Savings Bank | $505,000 | $115,000 | -77.2% | 0.0% |
| SPRING EQ, LLC | $225,000 | $110,000 | -51.1% | 0.0% |
| Kwik Mortgage Corporation | $415,000 | $105,000 | -74.7% | 0.0% |
| TRUWEST Credit Union | $105,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $65,000 | $95,000 | 46.2% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $710,000 | $95,000 | -86.6% | 0.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | $85,000 | n/a | 0.0% | |
| Lakeview Community Capital, LLC | $1,595,000 | $85,000 | -94.7% | 0.0% |
| MORTGAGE ACCESS CORP. | $1,070,000 | $85,000 | -92.1% | 0.0% |
| Zions Bank | $1,680,000 | $85,000 | -94.9% | 0.0% |
| Chicago Mortgage Solutions LLC | $305,000 | $75,000 | -75.4% | 0.0% |
| Ennis State Bank | $55,000 | n/a | 0.0% | |
| PUBLIC EMPLOYEES Credit Union | $55,000 | $55,000 | 0.0% | 0.0% |
| SHELL FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| CHARTWAY FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
| MidFirst Bank | $90,000 | $30,000 | -66.7% | 0.0% |
| GREATER TEXAS FEDERAL CREDIT UNION | $85,000 | $25,000 | -70.6% | 0.0% |
| TEXANS | $25,000 | n/a | 0.0% |
WACO's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 6.7% market share. In second place, with 6.1%, is SWBC MORTGAGE CORPORATION, having originated $66,890,000 in loans. In third place, with 4.3%, is DHI MORTGAGE COMPANY, LTD., having originated $46,910,000 in loans. In fourth place, with 4.1%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $44,710,000 in loans. In fifth place, with 3.8%, is QUICKEN LOANS, LLC, having originated $41,415,000 in loans.
WACO Housing Market Trends (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 | $205,475 (14.2%) | $261,888 (1.4%) | 0.76 | 640 |
| 2018-02-01 | $206,450 (15.1%) | $263,018 (1.4%) | 0.75 | 655 |
| 2018-03-01 | $212,250 (9.1%) | $274,832 (3.4%) | 0.74 | 651 |
| 2018-04-01 | $220,945 (13.3%) | $288,865 (12.0%) | 0.75 | 654 |
| 2018-05-01 | $223,495 (6.9%) | $290,318 (7.3%) | 0.75 | 658 |
| 2018-06-01 | $226,839 (8.1%) | $288,820 (3.5%) | 0.76 | 723 |
| 2018-07-01 | $209,900 (-0.1%) | $277,612 (-2.2%) | 0.70 | 800 |
| 2018-08-01 | $207,563 (-1.1%) | $275,907 (0.1%) | 0.70 | 817 |
| 2018-09-01 | $212,500 (2.6%) | $280,769 (4.1%) | 0.71 | 811 |
| 2018-10-01 | $202,500 (-1.4%) | $279,238 (6.0%) | 0.69 | 842 |
| 2018-11-01 | $200,000 (0.0%) | $277,776 (8.8%) | 0.68 | 832 |
| 2018-12-01 | $200,000 (0.1%) | $274,080 (7.2%) | 0.69 | 789 |
| 2019-01-01 | $202,500 (-1.5%) | $269,268 (2.8%) | 0.70 | 747 |
| 2019-02-01 | $214,885 (4.1%) | $269,531 (2.5%) | 0.73 | 746 |
| 2019-03-01 | $223,043 (5.1%) | $277,801 (1.1%) | 0.73 | 725 |
| 2019-04-01 | $230,950 (4.5%) | $286,014 (-1.0%) | 0.73 | 691 |
| 2019-05-01 | $232,750 (4.1%) | $289,214 (-0.4%) | 0.73 | 693 |
| 2019-06-01 | $229,900 (1.4%) | $286,919 (-0.7%) | 0.72 | 723 |
| 2019-07-01 | $233,625 (11.3%) | $292,295 (5.3%) | 0.73 | 784 |
| 2019-08-01 | $230,245 (10.9%) | $287,954 (4.4%) | 0.73 | 779 |
| 2019-09-01 | $227,239 (6.9%) | $279,828 (-0.3%) | 0.73 | 757 |
| 2019-10-01 | $222,450 (9.9%) | $273,749 (-2.0%) | 0.72 | 748 |
| 2019-11-01 | $225,000 (12.5%) | $277,674 (0.0%) | 0.74 | 717 |
| 2019-12-01 | $223,995 (12.0%) | $275,431 (0.5%) | 0.75 | 686 |
| 2020-01-01 | $220,000 (8.6%) | $266,037 (-1.2%) | 0.74 | 651 |
| 2020-02-01 | $224,900 (4.7%) | $269,905 (0.1%) | 0.74 | 678 |
| 2020-03-01 | $229,225 (2.8%) | $271,285 (-2.4%) | 0.72 | 667 |
| 2020-04-01 | $233,675 (1.2%) | $274,852 (-3.9%) | 0.73 | 685 |
| 2020-05-01 | $254,450 (9.3%) | $299,900 (3.7%) | 0.77 | 657 |
| 2020-06-01 | $258,650 (12.5%) | $316,781 (10.4%) | 0.76 | 577 |
| 2020-07-01 | $253,500 (8.5%) | $319,338 (9.3%) | 0.73 | 548 |
| 2020-08-01 | $250,000 (8.6%) | $316,573 (9.9%) | 0.72 | 516 |
| 2020-09-01 | $247,950 (9.1%) | $314,958 (12.6%) | 0.71 | 489 |
| 2020-10-01 | $249,900 (12.3%) | $319,813 (16.8%) | 0.72 | 453 |
| 2020-11-01 | $243,700 (8.3%) | $316,720 (14.1%) | 0.71 | 434 |
| 2020-12-01 | $244,950 (9.4%) | $320,673 (16.4%) | 0.73 | 393 |
| 2021-01-01 | $239,500 (8.9%) | $332,308 (24.9%) | 0.71 | 304 |
| 2021-02-01 | $236,250 (5.1%) | $341,648 (26.6%) | 0.69 | 245 |
| 2021-03-01 | $249,900 (9.0%) | $343,679 (26.7%) | 0.71 | 216 |
| 2021-04-01 | $254,450 (8.9%) | $365,408 (33.0%) | 0.69 | 202 |
| 2021-05-01 | $275,000 (8.1%) | $388,538 (29.6%) | 0.73 | 197 |
| 2021-06-01 | $276,500 (6.9%) | $383,403 (21.0%) | 0.73 | 251 |
| 2021-07-01 | $264,900 (4.5%) | $368,560 (15.4%) | 0.70 | 322 |
| 2021-08-01 | $273,450 (9.4%) | $371,536 (17.4%) | 0.73 | 378 |
| 2021-09-01 | $274,456 (10.7%) | $377,290 (19.8%) | 0.73 | 382 |
| 2021-10-01 | $274,000 (9.6%) | $400,965 (25.4%) | 0.73 | 341 |
| 2021-11-01 | $292,500 (20.0%) | $411,530 (29.9%) | 0.78 | 346 |
| 2021-12-01 | $299,250 (22.2%) | $446,840 (39.3%) | 0.81 | 331 |
| 2022-01-01 | $269,000 (12.3%) | $439,233 (32.2%) | 0.73 | 284 |
| 2022-02-01 | $276,250 (16.9%) | $447,233 (30.9%) | 0.72 | 245 |
| 2022-03-01 | $304,450 (21.8%) | $463,145 (34.8%) | 0.76 | 244 |
| 2022-04-01 | $300,000 (17.9%) | $455,949 (24.8%) | 0.72 | 272 |
| 2022-05-01 | $325,000 (18.2%) | $485,991 (25.1%) | 0.74 | 319 |
| 2022-06-01 | $349,850 (26.5%) | $490,824 (28.0%) | 0.78 | 387 |
| 2022-07-01 | $351,750 (32.8%) | $477,981 (29.7%) | 0.79 | 511 |
| 2022-08-01 | $350,000 (28.0%) | $458,350 (23.4%) | 0.81 | 615 |
| 2022-09-01 | $336,450 (22.6%) | $419,852 (11.3%) | 0.79 | 640 |
| 2022-10-01 | $325,000 (18.6%) | $409,541 (2.1%) | 0.76 | 700 |
| 2022-11-01 | $318,350 (8.8%) | $426,991 (3.8%) | 0.77 | 718 |
| 2022-12-01 | $319,900 (6.9%) | $427,627 (-4.3%) | 0.79 | 708 |
| 2023-01-01 | $319,950 (18.9%) | $422,946 (-3.7%) | 0.79 | 672 |
| 2023-02-01 | $309,450 (12.0%) | $409,177 (-8.5%) | 0.75 | 705 |
| 2023-03-01 | $310,175 (1.9%) | $420,512 (-9.2%) | 0.73 | 737 |
| 2023-04-01 | $325,000 (8.3%) | $434,977 (-4.6%) | 0.76 | 743 |
| 2023-05-01 | $342,450 (5.4%) | $450,430 (-7.3%) | 0.78 | 755 |
| 2023-06-01 | $349,950 (0.0%) | $454,992 (-7.3%) | 0.79 | 795 |
| 2023-07-01 | $349,000 (-0.8%) | $448,038 (-6.3%) | 0.79 | 870 |
| 2023-08-01 | $349,900 (0.0%) | $440,417 (-3.9%) | 0.80 | 910 |
| 2023-09-01 | $349,999 (4.0%) | $444,068 (5.8%) | 0.81 | 899 |
| 2023-10-01 | $337,800 (3.9%) | $428,614 (4.7%) | 0.79 | 941 |
| 2023-11-01 | $334,900 (5.2%) | $428,280 (0.3%) | 0.80 | 945 |
| 2023-12-01 | $325,500 (1.8%) | $422,321 (-1.2%) | 0.79 | 936 |
| 2024-01-01 | $330,000 (3.1%) | $420,959 (-0.5%) | 0.81 | 881 |
| 2024-02-01 | $345,000 (11.5%) | $438,398 (7.1%) | 0.83 | 858 |
| 2024-03-01 | $345,000 (11.2%) | $440,782 (4.8%) | 0.81 | 909 |
| 2024-04-01 | $347,450 (6.9%) | $447,761 (2.9%) | 0.81 | 948 |
| 2024-05-01 | $345,935 (1.0%) | $453,068 (0.6%) | 0.78 | 990 |
| 2024-06-01 | $339,900 (-2.9%) | $451,628 (-0.7%) | 0.76 | 1,049 |
| 2024-07-01 | $339,950 (-2.6%) | $440,747 (-1.6%) | 0.78 | 1,089 |
| 2024-08-01 | $335,000 (-4.3%) | $439,051 (-0.3%) | 0.78 | 1,093 |
| 2024-09-01 | $330,025 (-5.7%) | $438,799 (-1.2%) | 0.78 | 1,109 |
| 2024-10-01 | $332,450 (-1.6%) | $438,022 (2.2%) | 0.78 | 1,095 |
WACO's median listing price for 2024-10-01 was $332,450, a difference of
$-5,350
(-1.6%) versus the prior year and
$2,425 versus the prior month.
WACO's median listing price comes in at 78% of the national average.
WACO's average listing price for 2024-10-01 was $438,022, a difference of $9,408 (2.2%) versus the prior year and $-777 versus the prior month.
For the 2024-10-01 period, WACO had 1,095 MLS listings, a difference of -14 listings (-1%) versus the prior month and 154 listings (16%) versus the prior year.
WACO's median listing price comes in at 78% of the national average.
WACO's average listing price for 2024-10-01 was $438,022, a difference of $9,408 (2.2%) versus the prior year and $-777 versus the prior month.
For the 2024-10-01 period, WACO had 1,095 MLS listings, a difference of -14 listings (-1%) versus the prior month and 154 listings (16%) versus the prior year.