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
6.95%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.76% and
one month ago for the week of 2025-02-27, the
average rate was 6.97%.
Waco's average rate one year ago was 6.7%.
For refis of the same type during the week of 2025-04-03, the average rate
was 6.72%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Waco 30 Year Fixed Rate | 2025-04-03 | 6.95% |
| Waco 30 Year Fixed Rate Refi | 2025-04-03 | 6.72% |
| Waco 15 Year Fixed Rate | 2025-04-03 | 5.72% |
| Waco 15 Year Fixed Rate Refi | 2025-04-03 | 6.42% |
| Waco 30 Year FHA | 2025-04-03 | 6.17% |
| Waco 30 Year FHA Refi | 2025-04-03 | 6.06% |
| Waco 30 Year USDA | 2025-04-03 | 6.32% |
| Waco 30 Year USDA Refi | 2025-04-03 | 6.22% |
| Waco 30 Year VA | 2025-04-03 | 5.81% |
| Waco 30 Year VA Refi | 2025-04-03 | 5.34% |
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 166 lenders originated 4,138
loans during 2024. The total origination value was $1,083,260,000, with an average loan value of
$261,783.
WACO's average closing costs are $5,779.
The top WACO lender as defined by loan originations is SWBC MORTGAGE CORPORATION, with
158 loans originated. Their average total fees are
$5,148, which is $1,913
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee WACO lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. ($3,663), JPMorgan Chase Bank ($4,681), SWBC MORTGAGE CORPORATION ($5,148), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,826) and BancorpSouth ($5,949).
The lowest rate WACO lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.71%), Trinity Oaks Mortgage, LLC (6.50%), Network Funding, L.P. (6.63%), JPMorgan Chase Bank (6.64%) and Wallick & Volk, Inc. (6.66%).
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 | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| SWBC MORTGAGE CORPORATION | $66,890,000 | $79,970,000 | 19.6% | 7.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $44,710,000 | $67,705,000 | 51.4% | 6.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $74,060,000 | $57,605,000 | -22.2% | 5.3% |
| QUICKEN LOANS, LLC | $41,415,000 | $49,175,000 | 18.7% | 4.5% |
| DHI MORTGAGE COMPANY, LTD. | $46,910,000 | $45,560,000 | -2.9% | 4.2% |
| Wallick & Volk, Inc. | $31,710,000 | $41,990,000 | 32.4% | 3.9% |
| Central National Bank | $36,800,000 | $31,200,000 | -15.2% | 2.9% |
| MOVEMENT MORTGAGE, LLC | $1,840,000 | $31,165,000 | 1,593.8% | 2.9% |
| American Bank, N.A. | $19,830,000 | $27,980,000 | 41.1% | 2.6% |
| ORIX REAL ESTATE CAPITAL, LLC | $26,525,000 | n/a | 2.4% | |
| Community Bank & Trust, Waco, Texas | $39,905,000 | $24,885,000 | -37.6% | 2.3% |
| Mortgage Research Center, LLC | $17,675,000 | $23,095,000 | 30.7% | 2.1% |
| Alliance Bank Central Texas | $34,185,000 | $22,655,000 | -33.7% | 2.1% |
| The First National Bank of McGregor | $23,995,000 | $18,885,000 | -21.3% | 1.7% |
| Trinity Oaks Mortgage, LLC | $14,725,000 | $17,640,000 | 19.8% | 1.6% |
| CHURCHILL MORTGAGE CORPORATION | $1,065,000 | $16,615,000 | 1,460.1% | 1.5% |
| BancorpSouth | $12,040,000 | $15,935,000 | 32.4% | 1.5% |
| First National Bank of Central Texas | $24,795,000 | $14,120,000 | -43.1% | 1.3% |
| JPMorgan Chase Bank | $7,265,000 | $13,150,000 | 81.0% | 1.2% |
| Extraco Banks | $17,965,000 | $12,375,000 | -31.1% | 1.1% |
| SUMMIT FUNDING, INC. | $2,485,000 | $12,195,000 | 390.7% | 1.1% |
| CMG MORTGAGE, INC. | $8,885,000 | $11,835,000 | 33.2% | 1.1% |
| Network Funding, L.P. | $10,295,000 | $10,775,000 | 4.7% | 1.0% |
| Affiliated Bank | $10,700,000 | $10,670,000 | -0.3% | 1.0% |
| GUILD MORTGAGE COMPANY | $7,935,000 | $10,455,000 | 31.8% | 1.0% |
| First State Bank | $10,360,000 | n/a | 1.0% | |
| NEWREZ LLC | $5,910,000 | $10,000,000 | 69.2% | 0.9% |
| FREEDOM MORTGAGE CORPORATION | $2,575,000 | $9,565,000 | 271.5% | 0.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,175,000 | $8,680,000 | 173.4% | 0.8% |
| PENNYMAC LOAN SERVICES, LLC | $9,680,000 | $7,740,000 | -20.0% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $6,535,000 | $6,890,000 | 5.4% | 0.6% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | $6,825,000 | n/a | 0.6% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $5,960,000 | $6,680,000 | 12.1% | 0.6% |
| GREYSTONE SERVICING COMPANY LLC | $6,385,000 | $6,465,000 | 1.3% | 0.6% |
| 21ST MORTGAGE CORPORATION | $7,470,000 | $6,285,000 | -15.9% | 0.6% |
| First National Bank Texas | $17,235,000 | $6,280,000 | -63.6% | 0.6% |
| Bank of America | $3,660,000 | $6,055,000 | 65.4% | 0.6% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $5,765,000 | n/a | 0.5% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $8,610,000 | $5,585,000 | -35.1% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $10,010,000 | $5,510,000 | -45.0% | 0.5% |
| GENCO Federal Credit Union | $3,170,000 | $5,150,000 | 62.5% | 0.5% |
| USAA Federal Savings Bank | $5,390,000 | $4,990,000 | -7.4% | 0.5% |
| LOANDEPOT.COM, LLC | $3,980,000 | $4,860,000 | 22.1% | 0.4% |
| Flagstar Bank, FSB | $4,175,000 | $4,845,000 | 16.0% | 0.4% |
| Century Mortgage Company DBA Century Lending Company | $680,000 | $4,760,000 | 600.0% | 0.4% |
| Wells Fargo Bank | $4,575,000 | $4,690,000 | 2.5% | 0.4% |
| BROKER SOLUTIONS, INC. | $2,120,000 | $4,635,000 | 118.6% | 0.4% |
| Members Choice of Central Texas Federal Credit Union | $10,040,000 | $4,480,000 | -55.4% | 0.4% |
| PNC Bank | $3,680,000 | $4,465,000 | 21.3% | 0.4% |
| LAKEVIEW LOAN SERVICING, LLC | $920,000 | $4,190,000 | 355.4% | 0.4% |
| The First National Bank of Hughes Springs | $3,150,000 | $4,165,000 | 32.2% | 0.4% |
| AmeriHome Mortgage Company, LLC | $350,000 | $4,110,000 | 1,074.3% | 0.4% |
| The American National Bank of Texas | $4,055,000 | n/a | 0.4% | |
| CARDINAL FINANCIAL | $3,200,000 | $3,945,000 | 23.3% | 0.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,730,000 | $3,880,000 | 124.3% | 0.4% |
| First National Bank of Bosque County | $3,695,000 | $3,825,000 | 3.5% | 0.4% |
| First Central Credit Union | $3,240,000 | $3,805,000 | 17.4% | 0.4% |
| TEXELL Credit Union | $1,870,000 | $3,805,000 | 103.5% | 0.4% |
| Gateway First Bank | $8,730,000 | $3,740,000 | -57.2% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $3,725,000 | n/a | 0.3% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $820,000 | $3,665,000 | 347.0% | 0.3% |
| NexBank | $1,930,000 | $3,660,000 | 89.6% | 0.3% |
| MLD MORTGAGE INC. | $2,170,000 | $3,540,000 | 63.1% | 0.3% |
| GUARANTEED RATE, INC. | $14,840,000 | $3,360,000 | -77.4% | 0.3% |
| HOMESIDE FINANCIAL, LLC | $1,135,000 | $3,255,000 | 186.8% | 0.3% |
| Independent Bank | $27,005,000 | $3,180,000 | -88.2% | 0.3% |
| BETTER MORTGAGE CORPORATION | $2,135,000 | $2,820,000 | 32.1% | 0.3% |
| U.S. Bank | $1,645,000 | $2,685,000 | 63.2% | 0.2% |
| BOKF | $2,625,000 | $2,615,000 | -0.4% | 0.2% |
| EDUCATORS CREDIT UNION | $3,270,000 | $2,545,000 | -22.2% | 0.2% |
| The Bank & Trust | $2,470,000 | n/a | 0.2% | |
| NBKC BANK | $580,000 | $2,355,000 | 306.0% | 0.2% |
| CASTLE & COOKE MORTGAGE, LLC | $535,000 | $2,285,000 | 327.1% | 0.2% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | $1,825,000 | $2,285,000 | 25.2% | 0.2% |
| SOUTHWEST STAGE FUNDING, LLC | $3,350,000 | $2,145,000 | -36.0% | 0.2% |
| PLANET HOME LENDING, LLC | $385,000 | $2,050,000 | 432.5% | 0.2% |
| ROYAL UNITED MORTGAGE LLC | $1,325,000 | $2,040,000 | 54.0% | 0.2% |
| Hometown Equity Mortgage, LLC | $695,000 | $1,990,000 | 186.3% | 0.2% |
| DEEPHAVEN MORTGAGE LLC | $1,320,000 | $1,950,000 | 47.7% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,760,000 | $1,915,000 | 8.8% | 0.2% |
| First Guaranty Bank | $2,150,000 | $1,900,000 | -11.6% | 0.2% |
| RANDOLPH-BROOKS | $2,410,000 | $1,890,000 | -21.6% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $6,780,000 | $1,835,000 | -72.9% | 0.2% |
| MORTGAGE FINANCIAL SERVICES, LLC | $925,000 | $1,820,000 | 96.8% | 0.2% |
| Equity Prime Mortgage LLC | $1,785,000 | $1,755,000 | -1.7% | 0.2% |
| The Loan Store, Inc. | $495,000 | $1,745,000 | 252.5% | 0.2% |
| Frost Bank | $1,145,000 | $1,665,000 | 45.4% | 0.2% |
| HOMEXPRESS MORTGAGE CORP. | $505,000 | $1,630,000 | 222.8% | 0.2% |
| Incommons Bank, N.A. | $4,005,000 | $1,595,000 | -60.2% | 0.1% |
| TIB The Independent Bankersbank | $2,905,000 | $1,585,000 | -45.4% | 0.1% |
| Carrington Mortgage Services, LLC | $925,000 | $1,550,000 | 67.6% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $3,110,000 | $1,545,000 | -50.3% | 0.1% |
| Texas Mortgage Lending, LLC | $195,000 | $1,540,000 | 689.7% | 0.1% |
| EVERETT FINANCIAL, INC. | $1,655,000 | $1,530,000 | -7.6% | 0.1% |
| Cornerstone First Mortgage, Inc | $1,490,000 | n/a | 0.1% | |
| Sierra Pacific Mortgage Company, Inc. | $1,385,000 | $1,485,000 | 7.2% | 0.1% |
| Discover Bank | $1,910,000 | $1,470,000 | -23.0% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $1,150,000 | $1,455,000 | 26.5% | 0.1% |
| First United Bank and Trust Company | $19,750,000 | $1,445,000 | -92.7% | 0.1% |
| LOANPEOPLE, LLC | $1,125,000 | $1,445,000 | 28.4% | 0.1% |
| NFM, INC. | $1,415,000 | n/a | 0.1% | |
| TRIAD FINANCIAL SERVICES, INC. | $1,380,000 | $1,395,000 | 1.1% | 0.1% |
| AMWEST FUNDING CORP. | $720,000 | $1,365,000 | 89.6% | 0.1% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $145,000 | $1,340,000 | 824.1% | 0.1% |
| V.I.P. MORTGAGE, INC. | $855,000 | $1,310,000 | 53.2% | 0.1% |
| NATIONS RELIABLE LENDING, LLC | $675,000 | $1,300,000 | 92.6% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,975,000 | $1,270,000 | -35.7% | 0.1% |
| CORNERSTONE HOME LENDING, INC. | $11,585,000 | $1,250,000 | -89.2% | 0.1% |
| Citadel Servicing Corporation | $1,070,000 | $1,235,000 | 15.4% | 0.1% |
| Plains Commerce Bank | $1,015,000 | $1,235,000 | 21.7% | 0.1% |
| PREMIA MORTGAGE, LLC | $385,000 | $1,235,000 | 220.8% | 0.1% |
| Vista Bank | $1,225,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $945,000 | $1,170,000 | 23.8% | 0.1% |
| MICHIGAN MUTUAL, INC. | $1,275,000 | $1,150,000 | -9.8% | 0.1% |
| Lakeview Community Capital, LLC | $85,000 | $1,135,000 | 1,235.3% | 0.1% |
| LOANPAL, LLC | $2,465,000 | $1,105,000 | -55.2% | 0.1% |
| Centennial Bank | $780,000 | $1,065,000 | 36.5% | 0.1% |
| NEXERA HOLDING LLC | $1,290,000 | $1,045,000 | -19.0% | 0.1% |
| OCMBC, INC. | $1,025,000 | $1,045,000 | 2.0% | 0.1% |
| First Financial Bank | $2,070,000 | $1,025,000 | -50.5% | 0.1% |
| UNIVERSITY Federal Credit Union | $410,000 | $1,010,000 | 146.3% | 0.1% |
| Simmons Bank | $510,000 | $1,005,000 | 97.1% | 0.1% |
| First Federal Bank | $960,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $475,000 | $945,000 | 98.9% | 0.1% |
| NBH Bank | $890,000 | n/a | 0.1% | |
| SFMC, LP | $2,660,000 | $880,000 | -66.9% | 0.1% |
| AMERICAN HERITAGE LENDING, INC. | $800,000 | $865,000 | 8.1% | 0.1% |
| PHH Mortgage Corporation | $565,000 | $865,000 | 53.1% | 0.1% |
| HOMETRUST MORTGAGE COMPANY | $855,000 | n/a | 0.1% | |
| ALTRA | $145,000 | $840,000 | 479.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $225,000 | $825,000 | 266.7% | 0.1% |
| Watermark Capital, Inc. | $245,000 | $820,000 | 234.7% | 0.1% |
| GREENSTATE CREDIT UNION | $815,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $400,000 | $790,000 | 97.5% | 0.1% |
| Classic Bank | $4,300,000 | $765,000 | -82.2% | 0.1% |
| AHL FUNDING | $760,000 | n/a | 0.1% | |
| Kwik Mortgage Corporation | $105,000 | $755,000 | 619.0% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $440,000 | $745,000 | 69.3% | 0.1% |
| Magnolia Bank | $375,000 | $740,000 | 97.3% | 0.1% |
| Morgan Stanley Private Bank | $225,000 | $740,000 | 228.9% | 0.1% |
| Truist | $305,000 | $740,000 | 142.6% | 0.1% |
| AMERICAN FINANCING CORPORATION | $730,000 | $735,000 | 0.7% | 0.1% |
| Heritage Bank | $730,000 | n/a | 0.1% | |
| 1ST SIGNATURE LENDING, LLC | $1,370,000 | $715,000 | -47.8% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $215,000 | $695,000 | 223.3% | 0.1% |
| SOUTHWEST FUNDING, LP | $695,000 | n/a | 0.1% | |
| SECURITY SERVICE | $610,000 | $690,000 | 13.1% | 0.1% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $620,000 | $665,000 | 7.3% | 0.1% |
| Vantage Bank Texas | $665,000 | n/a | 0.1% | |
| RF Renovo Management Company, LLC | $885,000 | $655,000 | -26.0% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $340,000 | $635,000 | 86.8% | 0.1% |
| FLAT BRANCH MORTGAGE, INC. | $645,000 | $635,000 | -1.6% | 0.1% |
| Guaranty Bank & Trust, N.A. | $625,000 | n/a | 0.1% | |
| Bank 7 | $610,000 | n/a | 0.1% | |
| Prosperity Bank | $5,070,000 | $610,000 | -88.0% | 0.1% |
| UNITED BUILT HOMES, L.L.C. | $1,565,000 | $610,000 | -61.0% | 0.1% |
| SECURITYNATIONAL MORTGAGE COMPANY | $205,000 | $605,000 | 195.1% | 0.1% |
| First Liberty Bank | $585,000 | n/a | 0.1% | |
| GUIDANCE RESIDENTIAL, LLC | $585,000 | n/a | 0.1% | |
| BECKAM FUNDING CORP. | $580,000 | n/a | 0.1% | |
| UNION HOME MORTGAGE CORP. | $3,460,000 | $580,000 | -83.2% | 0.1% |
| COUNTRYPLACE MORTGAGE, LTD. | $1,510,000 | $570,000 | -62.3% | 0.1% |
| ST FIN CORP | $275,000 | $570,000 | 107.3% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $265,000 | $565,000 | 113.2% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $560,000 | n/a | 0.1% | |
| Great Plains National Bank | $540,000 | n/a | 0.0% | |
| International Bank of Commerce | $690,000 | $540,000 | -21.7% | 0.0% |
| First Option Mortgage, LLC | $535,000 | n/a | 0.0% | |
| Regions Bank | $3,275,000 | $535,000 | -83.7% | 0.0% |
| Sunflower Bank | $1,240,000 | $535,000 | -56.9% | 0.0% |
| General Mortgage Capital Corporation | $245,000 | $515,000 | 110.2% | 0.0% |
| UBS Bank USA | $505,000 | n/a | 0.0% | |
| BAY EQUITY LLC | $395,000 | $500,000 | 26.6% | 0.0% |
| Charles Schwab Bank, SSB | $500,000 | n/a | 0.0% | |
| Southside Bank | $500,000 | n/a | 0.0% | |
| Mid-Continent Funding, Inc. | $495,000 | n/a | 0.0% | |
| GUARANTEED RATE AFFINITY, LLC | $430,000 | $480,000 | 11.6% | 0.0% |
| INTELLILOAN, INC. | $475,000 | n/a | 0.0% | |
| Northpointe Bank | $2,795,000 | $475,000 | -83.0% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $430,000 | $470,000 | 9.3% | 0.0% |
| Credit Union of Texas | $1,150,000 | $455,000 | -60.4% | 0.0% |
| Renasant Bank | $235,000 | $455,000 | 93.6% | 0.0% |
| THE MORTGAGE LINK, INC. | $450,000 | n/a | 0.0% | |
| R Bank | $285,000 | $445,000 | 56.1% | 0.0% |
| Ally Bank | $440,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL NETWORK, INC. | $235,000 | $440,000 | 87.2% | 0.0% |
| ALLIANT CREDIT UNION | $425,000 | n/a | 0.0% | |
| American Airlines Federal Credit Union | $900,000 | $410,000 | -54.4% | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $255,000 | $410,000 | 60.8% | 0.0% |
| Farmers Bank & Trust | $425,000 | $405,000 | -4.7% | 0.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $305,000 | $395,000 | 29.5% | 0.0% |
| GMFS LLC | $375,000 | $395,000 | 5.3% | 0.0% |
| RESIDENTIAL BANCORP | $395,000 | n/a | 0.0% | |
| FIRST COMMUNITY MORTGAGE, INC. | $430,000 | $390,000 | -9.3% | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | $235,000 | $390,000 | 66.0% | 0.0% |
| CANOPY MORTGAGE, LLC | $385,000 | n/a | 0.0% | |
| ON Q FINANCIAL, INC. | $385,000 | n/a | 0.0% | |
| Security State Bank & Trust | $385,000 | n/a | 0.0% | |
| Citizens State Bank | $250,000 | $380,000 | 52.0% | 0.0% |
| First National Bank of Evant | $500,000 | $380,000 | -24.0% | 0.0% |
| GARDNER FINANCIAL SERVICES, LTD. | $1,395,000 | $380,000 | -72.8% | 0.0% |
| MORTGAGE ACCESS CORP. | $85,000 | $375,000 | 341.2% | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $370,000 | n/a | 0.0% | |
| Commerce Home Mortgage, Inc. | $515,000 | $365,000 | -29.1% | 0.0% |
| EVANSVILLE TEACHERS | $305,000 | $355,000 | 16.4% | 0.0% |
| Wolfe Financial, Inc | $355,000 | n/a | 0.0% | |
| Advisors Mortgage Group, L.L.C. | $95,000 | $350,000 | 268.4% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $345,000 | n/a | 0.0% | |
| AMERISAVE MORTGAGE CORPORATION | $3,610,000 | $340,000 | -90.6% | 0.0% |
| CAPITAL CONCEPTS, INC. | $340,000 | n/a | 0.0% | |
| Figure Lending LLC | $335,000 | n/a | 0.0% | |
| First Bank | $680,000 | $325,000 | -52.2% | 0.0% |
| A+ Federal Credit Union | $370,000 | $310,000 | -16.2% | 0.0% |
| Choice Financial Group | $305,000 | n/a | 0.0% | |
| Ennis State Bank | $55,000 | $305,000 | 454.5% | 0.0% |
| First Community Bank | $305,000 | n/a | 0.0% | |
| FIRSTMARK | $305,000 | n/a | 0.0% | |
| First United Bank | $305,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $305,000 | n/a | 0.0% | |
| FirstBank Southwest | $295,000 | n/a | 0.0% | |
| Raymond James Bank | $295,000 | n/a | 0.0% | |
| Commerce Bank | $285,000 | n/a | 0.0% | |
| Greenbox Loans, Inc. | $450,000 | $285,000 | -36.7% | 0.0% |
| North American Savings Bank, F.S.B. | $285,000 | n/a | 0.0% | |
| American Momentum Bank | $410,000 | $275,000 | -32.9% | 0.0% |
| Loan Simple, Inc. | $205,000 | $275,000 | 34.1% | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | $675,000 | $275,000 | -59.3% | 0.0% |
| TJC Mortgage, Inc. | $275,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $820,000 | $265,000 | -67.7% | 0.0% |
| CONTOUR MORTGAGE CORPORATION | $265,000 | n/a | 0.0% | |
| CSL Financial, LLC | $265,000 | n/a | 0.0% | |
| KeyBank | $265,000 | n/a | 0.0% | |
| Old National Bank | $265,000 | n/a | 0.0% | |
| SouthStar Bank, S.S.B. | $745,000 | $265,000 | -64.4% | 0.0% |
| Alliance Bank | $255,000 | n/a | 0.0% | |
| CHEVRON | $275,000 | $255,000 | -7.3% | 0.0% |
| Zions Bank | $85,000 | $255,000 | 200.0% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $245,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $245,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $110,000 | $245,000 | 122.7% | 0.0% |
| Texas Community Bank | $245,000 | n/a | 0.0% | |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $235,000 | n/a | 0.0% | |
| CALCON MUTUAL MORTGAGE LLC | $245,000 | $230,000 | -6.1% | 0.0% |
| DIRECTIONS EQUITY, LLC | $225,000 | n/a | 0.0% | |
| INTEGRITY MORTGAGE CORPORATION OF TEXAS | $510,000 | $225,000 | -55.9% | 0.0% |
| Stride Bank | $225,000 | n/a | 0.0% | |
| Texas State Bank | $225,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $160,000 | $220,000 | 37.5% | 0.0% |
| Citizens State Bank | $250,000 | $215,000 | -14.0% | 0.0% |
| Leader Bank | $215,000 | n/a | 0.0% | |
| RELIANCE FIRST CAPITAL, LLC | $175,000 | $215,000 | 22.9% | 0.0% |
| Hancock Whitney Bank | $245,000 | $205,000 | -16.3% | 0.0% |
| American National Bank & Trust | $1,265,000 | $195,000 | -84.6% | 0.0% |
| Frontier Bank of Texas | $195,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $310,000 | $195,000 | -37.1% | 0.0% |
| United Heritage Credit Union | $195,000 | n/a | 0.0% | |
| AAXY L.L.C. | $185,000 | n/a | 0.0% | |
| Citizens Bank | $1,615,000 | $185,000 | -88.5% | 0.0% |
| SeaTrust Mortgage Company | $185,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $1,015,000 | $175,000 | -82.8% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $365,000 | $170,000 | -53.4% | 0.0% |
| NUSENDA | $165,000 | n/a | 0.0% | |
| The Federal Savings Bank | $1,095,000 | $165,000 | -84.9% | 0.0% |
| Woori America Bank | $165,000 | n/a | 0.0% | |
| DELMAR FINANCIAL COMPANY | $155,000 | n/a | 0.0% | |
| DEVELOPER'S MORTGAGE COMPANY | $155,000 | n/a | 0.0% | |
| Grandview Bank | $155,000 | n/a | 0.0% | |
| GREATER TEXAS FEDERAL CREDIT UNION | $25,000 | $155,000 | 520.0% | 0.0% |
| PILGRIM MORTGAGE LLC | $1,510,000 | $155,000 | -89.7% | 0.0% |
| Pinnacle Bank | $155,000 | n/a | 0.0% | |
| RB MORTGAGE LLC | $155,000 | n/a | 0.0% | |
| Arvest Bank | $235,000 | $145,000 | -38.3% | 0.0% |
| Investmark Mortgage, LLC | $145,000 | n/a | 0.0% | |
| The First National Bank of Bastrop | $145,000 | n/a | 0.0% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $415,000 | $135,000 | -67.5% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $490,000 | $135,000 | -72.4% | 0.0% |
| CAPITOL CREDIT UNION | $135,000 | n/a | 0.0% | |
| Comerica Bank | $125,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $810,000 | $125,000 | -84.6% | 0.0% |
| TEXAS DOW EMPLOYEES CREDIT UNION | $155,000 | $115,000 | -25.8% | 0.0% |
| American Mortgage & Equity Consultants, Inc. | $535,000 | $105,000 | -80.4% | 0.0% |
| EECU | $845,000 | $105,000 | -87.6% | 0.0% |
| Golden Empire Mortgage, Inc. | $245,000 | $105,000 | -57.1% | 0.0% |
| Ixonia Bank | $105,000 | n/a | 0.0% | |
| Citizens National Bank | $715,000 | $85,000 | -88.1% | 0.0% |
| GENEVA FINANCIAL, LLC | $340,000 | $85,000 | -75.0% | 0.0% |
| H E B | $230,000 | $80,000 | -65.2% | 0.0% |
| AFFINITY | $75,000 | n/a | 0.0% | |
| ABILENE TEACHERS Federal Credit Union | $65,000 | n/a | 0.0% | |
| TEXANS | $25,000 | $55,000 | 120.0% | 0.0% |
| VELOCITY Credit Union | $55,000 | n/a | 0.0% | |
| AUSTIN TELCO Federal Credit Union | $45,000 | n/a | 0.0% | |
| City Bank | $5,925,000 | $35,000 | -99.4% | 0.0% |
| KINECTA | $25,000 | n/a | 0.0% |
WACO's top lender by overall market share is SWBC MORTGAGE CORPORATION, with 7.4% market share. In second place, with 6.3%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $67,705,000 in loans. In third place, with 5.3%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $57,605,000 in loans. In fourth place, with 4.5%, is QUICKEN LOANS, LLC, having originated $49,175,000 in loans. In fifth place, with 4.2%, is DHI MORTGAGE COMPANY, LTD., having originated $45,560,000 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 | $197,650 (13.3%) | $256,399 (2.6%) | 0.73 | 721 |
| 2018-02-01 | $196,225 (12.2%) | $255,548 (2.4%) | 0.71 | 743 |
| 2018-03-01 | $200,000 (11.2%) | $267,384 (4.2%) | 0.70 | 742 |
| 2018-04-01 | $209,900 (13.5%) | $281,015 (11.1%) | 0.71 | 743 |
| 2018-05-01 | $217,650 (8.9%) | $283,160 (6.7%) | 0.73 | 738 |
| 2018-06-01 | $215,950 (8.0%) | $281,398 (2.2%) | 0.72 | 811 |
| 2018-07-01 | $202,200 (1.1%) | $272,609 (-1.6%) | 0.68 | 886 |
| 2018-08-01 | $199,913 (0.0%) | $270,206 (-0.5%) | 0.67 | 908 |
| 2018-09-01 | $205,000 (2.8%) | $273,802 (3.2%) | 0.69 | 904 |
| 2018-10-01 | $199,500 (-0.1%) | $273,890 (5.3%) | 0.68 | 935 |
| 2018-11-01 | $198,750 (1.2%) | $270,679 (6.7%) | 0.67 | 934 |
| 2018-12-01 | $199,000 (3.1%) | $264,307 (5.0%) | 0.69 | 891 |
| 2019-01-01 | $195,000 (-1.3%) | $260,542 (1.6%) | 0.67 | 843 |
| 2019-02-01 | $199,950 (1.9%) | $260,981 (2.1%) | 0.68 | 837 |
| 2019-03-01 | $215,243 (7.6%) | $271,167 (1.4%) | 0.70 | 813 |
| 2019-04-01 | $224,950 (7.2%) | $280,705 (-0.1%) | 0.71 | 777 |
| 2019-05-01 | $225,000 (3.4%) | $283,890 (0.3%) | 0.70 | 781 |
| 2019-06-01 | $225,000 (4.2%) | $281,453 (0.0%) | 0.70 | 812 |
| 2019-07-01 | $229,350 (13.4%) | $289,775 (6.3%) | 0.72 | 865 |
| 2019-08-01 | $227,909 (14.0%) | $288,799 (6.9%) | 0.72 | 857 |
| 2019-09-01 | $226,273 (10.4%) | $283,306 (3.5%) | 0.72 | 837 |
| 2019-10-01 | $223,750 (12.2%) | $278,526 (1.7%) | 0.72 | 828 |
| 2019-11-01 | $225,000 (13.2%) | $277,709 (2.6%) | 0.74 | 789 |
| 2019-12-01 | $222,223 (11.7%) | $276,880 (4.8%) | 0.74 | 756 |
| 2020-01-01 | $219,950 (12.8%) | $267,049 (2.5%) | 0.74 | 725 |
| 2020-02-01 | $220,000 (10.0%) | $271,029 (3.9%) | 0.72 | 746 |
| 2020-03-01 | $225,000 (4.5%) | $279,922 (3.2%) | 0.71 | 747 |
| 2020-04-01 | $228,625 (1.6%) | $283,333 (0.9%) | 0.72 | 764 |
| 2020-05-01 | $245,000 (8.9%) | $305,493 (7.6%) | 0.74 | 733 |
| 2020-06-01 | $247,575 (10.0%) | $322,423 (14.6%) | 0.73 | 648 |
| 2020-07-01 | $247,200 (7.8%) | $326,596 (12.7%) | 0.72 | 620 |
| 2020-08-01 | $245,900 (7.9%) | $327,442 (13.4%) | 0.70 | 578 |
| 2020-09-01 | $242,425 (7.1%) | $321,032 (13.3%) | 0.69 | 544 |
| 2020-10-01 | $239,900 (7.2%) | $315,619 (13.3%) | 0.69 | 504 |
| 2020-11-01 | $238,250 (5.9%) | $314,904 (13.4%) | 0.70 | 482 |
| 2020-12-01 | $234,475 (5.5%) | $316,015 (14.1%) | 0.70 | 438 |
| 2021-01-01 | $230,000 (4.6%) | $327,653 (22.7%) | 0.69 | 343 |
| 2021-02-01 | $235,000 (6.8%) | $341,966 (26.2%) | 0.68 | 277 |
| 2021-03-01 | $249,900 (11.1%) | $372,067 (32.9%) | 0.71 | 241 |
| 2021-04-01 | $253,175 (10.7%) | $391,199 (38.1%) | 0.69 | 225 |
| 2021-05-01 | $278,350 (13.6%) | $419,407 (37.3%) | 0.74 | 220 |
| 2021-06-01 | $279,675 (13.0%) | $405,382 (25.7%) | 0.74 | 281 |
| 2021-07-01 | $269,450 (9.0%) | $390,645 (19.6%) | 0.71 | 362 |
| 2021-08-01 | $274,250 (11.5%) | $391,472 (19.6%) | 0.73 | 426 |
| 2021-09-01 | $274,000 (13.0%) | $397,898 (23.9%) | 0.73 | 425 |
| 2021-10-01 | $275,000 (14.6%) | $417,835 (32.4%) | 0.73 | 385 |
| 2021-11-01 | $288,675 (21.2%) | $423,702 (34.6%) | 0.77 | 386 |
| 2021-12-01 | $294,450 (25.6%) | $453,327 (43.5%) | 0.80 | 370 |
| 2022-01-01 | $265,000 (15.2%) | $445,994 (36.1%) | 0.72 | 320 |
| 2022-02-01 | $273,750 (16.5%) | $460,647 (34.7%) | 0.71 | 272 |
| 2022-03-01 | $302,450 (21.0%) | $480,343 (29.1%) | 0.76 | 270 |
| 2022-04-01 | $299,000 (18.1%) | $464,167 (18.7%) | 0.71 | 310 |
| 2022-05-01 | $315,000 (13.2%) | $498,232 (18.8%) | 0.72 | 359 |
| 2022-06-01 | $334,750 (19.7%) | $500,956 (23.6%) | 0.75 | 431 |
| 2022-07-01 | $350,000 (29.9%) | $487,661 (24.8%) | 0.79 | 557 |
| 2022-08-01 | $349,250 (27.4%) | $455,333 (16.3%) | 0.81 | 665 |
| 2022-09-01 | $334,575 (22.1%) | $427,306 (7.4%) | 0.78 | 695 |
| 2022-10-01 | $325,000 (18.2%) | $419,043 (0.3%) | 0.76 | 755 |
| 2022-11-01 | $318,100 (10.2%) | $440,091 (3.9%) | 0.76 | 778 |
| 2022-12-01 | $319,900 (8.6%) | $432,460 (-4.6%) | 0.79 | 768 |
| 2023-01-01 | $319,700 (20.6%) | $428,752 (-3.9%) | 0.79 | 732 |
| 2023-02-01 | $299,950 (9.6%) | $412,320 (-10.5%) | 0.72 | 773 |
| 2023-03-01 | $309,900 (2.5%) | $422,275 (-12.1%) | 0.73 | 803 |
| 2023-04-01 | $324,900 (8.7%) | $435,334 (-6.2%) | 0.76 | 812 |
| 2023-05-01 | $339,225 (7.7%) | $454,133 (-8.9%) | 0.77 | 824 |
| 2023-06-01 | $349,800 (4.5%) | $459,223 (-8.3%) | 0.79 | 861 |
| 2023-07-01 | $349,000 (-0.3%) | $456,157 (-6.5%) | 0.79 | 947 |
| 2023-08-01 | $349,700 (0.1%) | $447,778 (-1.7%) | 0.80 | 977 |
| 2023-09-01 | $349,900 (4.6%) | $448,908 (5.1%) | 0.81 | 974 |
| 2023-10-01 | $335,400 (3.2%) | $434,093 (3.6%) | 0.79 | 1,020 |
| 2023-11-01 | $329,900 (3.7%) | $437,485 (-0.6%) | 0.79 | 1,026 |
| 2023-12-01 | $325,000 (1.6%) | $432,886 (0.1%) | 0.79 | 1,014 |
| 2024-01-01 | $329,500 (3.1%) | $433,129 (1.0%) | 0.80 | 957 |
| 2024-02-01 | $339,675 (13.2%) | $449,878 (9.1%) | 0.82 | 934 |
| 2024-03-01 | $339,900 (9.7%) | $446,562 (5.8%) | 0.80 | 988 |
| 2024-04-01 | $342,500 (5.4%) | $452,073 (3.9%) | 0.80 | 1,042 |
| 2024-05-01 | $341,575 (0.7%) | $452,451 (-0.4%) | 0.78 | 1,083 |
| 2024-06-01 | $335,000 (-4.2%) | $451,716 (-1.6%) | 0.76 | 1,151 |
| 2024-07-01 | $337,125 (-3.4%) | $443,155 (-2.9%) | 0.77 | 1,199 |
| 2024-08-01 | $329,500 (-5.8%) | $436,709 (-2.5%) | 0.77 | 1,202 |
| 2024-09-01 | $326,975 (-6.6%) | $434,752 (-3.2%) | 0.77 | 1,217 |
| 2024-10-01 | $325,000 (-3.1%) | $434,848 (0.2%) | 0.76 | 1,200 |
| 2024-11-01 | $324,000 (-1.8%) | $422,410 (-3.5%) | 0.78 | 1,237 |
| 2024-12-01 | $320,000 (-1.5%) | $416,309 (-3.8%) | 0.80 | 1,172 |
| 2025-01-01 | $319,000 (-3.2%) | $411,067 (-5.1%) | 0.80 | 1,105 |
| 2025-02-01 | $319,950 (-5.8%) | $416,571 (-7.4%) | 0.78 | 1,135 |
| 2025-03-01 | $319,000 (-6.2%) | $415,192 (-7.0%) | 0.00 | 1,164 |
WACO's median listing price for 2025-03-01 was $319,000, a difference of
$-20,900
(-6.2%) versus the prior year and
$-950 versus the prior month.
WACO's median listing price comes in at 0% of the national average.
WACO's average listing price for 2025-03-01 was $415,192, a difference of $-31,370 (-7.0%) versus the prior year and $-1,379 versus the prior month.
For the 2025-03-01 period, WACO had 1,164 MLS listings, a difference of 29 listings (3%) versus the prior month and 176 listings (18%) versus the prior year.
WACO's median listing price comes in at 0% of the national average.
WACO's average listing price for 2025-03-01 was $415,192, a difference of $-31,370 (-7.0%) versus the prior year and $-1,379 versus the prior month.
For the 2025-03-01 period, WACO had 1,164 MLS listings, a difference of 29 listings (3%) versus the prior month and 176 listings (18%) 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 | 1,926 sqft |
| 2018-02-01 | 74 days | 1,906 sqft |
| 2018-03-01 | 60 days | 1,934 sqft |
| 2018-04-01 | 60 days | 2,007 sqft |
| 2018-05-01 | 57 days | 2,033 sqft |
| 2018-06-01 | 49 days | 1,988 sqft |
| 2018-07-01 | 46 days | 1,954 sqft |
| 2018-08-01 | 51 days | 1,978 sqft |
| 2018-09-01 | 60 days | 1,989 sqft |
| 2018-10-01 | 65 days | 1,942 sqft |
| 2018-11-01 | 72 days | 1,973 sqft |
| 2018-12-01 | 78 days | 1,959 sqft |
| 2019-01-01 | 85 days | 1,965 sqft |
| 2019-02-01 | 80 days | 1,979 sqft |
| 2019-03-01 | 71 days | 1,999 sqft |
| 2019-04-01 | 60 days | 2,009 sqft |
| 2019-05-01 | 53 days | 2,017 sqft |
| 2019-06-01 | 50 days | 2,004 sqft |
| 2019-07-01 | 47 days | 2,028 sqft |
| 2019-08-01 | 52 days | 2,025 sqft |
| 2019-09-01 | 59 days | 2,000 sqft |
| 2019-10-01 | 64 days | 1,971 sqft |
| 2019-11-01 | 68 days | 1,973 sqft |
| 2019-12-01 | 76 days | 1,954 sqft |
| 2020-01-01 | 78 days | 1,934 sqft |
| 2020-02-01 | 64 days | 1,919 sqft |
| 2020-03-01 | 57 days | 1,971 sqft |
| 2020-04-01 | 59 days | 1,970 sqft |
| 2020-05-01 | 60 days | 2,025 sqft |
| 2020-06-01 | 59 days | 2,057 sqft |
| 2020-07-01 | 57 days | 2,064 sqft |
| 2020-08-01 | 54 days | 2,045 sqft |
| 2020-09-01 | 53 days | 2,018 sqft |
| 2020-10-01 | 57 days | 2,024 sqft |
| 2020-11-01 | 57 days | 1,975 sqft |
| 2020-12-01 | 56 days | 1,953 sqft |
| 2021-01-01 | 67 days | 1,972 sqft |
| 2021-02-01 | 53 days | 1,860 sqft |
| 2021-03-01 | 41 days | 1,877 sqft |
| 2021-04-01 | 33 days | 1,866 sqft |
| 2021-05-01 | 24 days | 1,932 sqft |
| 2021-06-01 | 18 days | 1,924 sqft |
| 2021-07-01 | 22 days | 1,858 sqft |
| 2021-08-01 | 26 days | 1,897 sqft |
| 2021-09-01 | 33 days | 1,878 sqft |
| 2021-10-01 | 44 days | 1,936 sqft |
| 2021-11-01 | 44 days | 1,961 sqft |
| 2021-12-01 | 45 days | 1,914 sqft |
| 2022-01-01 | 50 days | 1,788 sqft |
| 2022-02-01 | 46 days | 1,856 sqft |
| 2022-03-01 | 34 days | 1,900 sqft |
| 2022-04-01 | 25 days | 1,788 sqft |
| 2022-05-01 | 23 days | 1,814 sqft |
| 2022-06-01 | 25 days | 1,890 sqft |
| 2022-07-01 | 29 days | 1,954 sqft |
| 2022-08-01 | 37 days | 1,939 sqft |
| 2022-09-01 | 40 days | 1,885 sqft |
| 2022-10-01 | 50 days | 1,815 sqft |
| 2022-11-01 | 52 days | 1,799 sqft |
| 2022-12-01 | 63 days | 1,833 sqft |
| 2023-01-01 | 69 days | 1,821 sqft |
| 2023-02-01 | 63 days | 1,748 sqft |
| 2023-03-01 | 52 days | 1,775 sqft |
| 2023-04-01 | 55 days | 1,812 sqft |
| 2023-05-01 | 60 days | 1,911 sqft |
| 2023-06-01 | 61 days | 1,964 sqft |
| 2023-07-01 | 53 days | 1,957 sqft |
| 2023-08-01 | 57 days | 1,958 sqft |
| 2023-09-01 | 64 days | 1,956 sqft |
| 2023-10-01 | 68 days | 1,924 sqft |
| 2023-11-01 | 70 days | 1,895 sqft |
| 2023-12-01 | 73 days | 1,864 sqft |
| 2024-01-01 | 83 days | 1,838 sqft |
| 2024-02-01 | 83 days | 1,879 sqft |
| 2024-03-01 | 67 days | 1,878 sqft |
| 2024-04-01 | 55 days | 1,904 sqft |
| 2024-05-01 | 57 days | 1,911 sqft |
| 2024-06-01 | 60 days | 1,885 sqft |
| 2024-07-01 | 67 days | 1,899 sqft |
| 2024-08-01 | 74 days | 1,891 sqft |
| 2024-09-01 | 74 days | 1,886 sqft |
| 2024-10-01 | 78 days | 1,896 sqft |
| 2024-11-01 | 78 days | 1,870 sqft |
| 2024-12-01 | 87 days | 1,855 sqft |
| 2025-01-01 | 89 days | 1,848 sqft |
| 2025-02-01 | 92 days | 1,855 sqft |
| 2025-03-01 | 0 days | 1,841 sqft |
WACO's median listing age (time on market) for 2025-03-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
WACO's median square footage for active listings during the 2025-03-01 period was 1,841 sqft. One year prior, the average listing was 1,878 sqft.
WACO's median square footage for active listings during the 2025-03-01 period was 1,841 sqft. One year prior, the average listing was 1,878 sqft.
WACO, TX Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 2,842 | $784,270,000 | $275,957 |
| Cash Out Refi | 447 | $88,635,000 | $198,289 |
| Refi | 433 | $162,755,000 | $375,878 |
| Home Improvement | 234 | $21,920,000 | $93,675 |
| Other | 181 | $19,915,000 | $110,028 |
| NA | 1 | $5,765,000 | $5,765,000 |
Waco's most frequently cited loan purpose was Home Purchase, with 2,842 originations. The 2nd most popular reason was Cash Out Refi, with 447 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,528 | $463,160,000 | $303,115 |
| 7-8% | 773 | $199,535,000 | $258,131 |
| 5-6% | 510 | $145,410,000 | $285,118 |
| Over 8% | 374 | $52,520,000 | $140,428 |
| 4-5% | 119 | $35,065,000 | $294,664 |
| <2.5% | 36 | $530,000 | $14,722 |
| 3-4% | 35 | $12,775,000 | $365,000 |
| 2.5-3% | 1 | $155,000 | $155,000 |
During 2024, Waco's most frequently originated rate bucket was 6-7%, with 1,528 originations.
Loan Sizing (WACO, TX MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,848 | $517,460,000 | $280,011 |
| $100k-200k | 1,126 | $170,820,000 | $151,705 |
| $100,000 or less | 623 | $36,065,000 | $57,889 |
| $400k-600k | 395 | $186,345,000 | $471,759 |
| $600k-1000k | 116 | $81,690,000 | $704,224 |
| $Over $1MM | 30 | $90,880,000 | $3,029,333 |
WACO's loan sizing saw the bucket of loans from $200k-400k with 1,848 originations, totaling $517,460,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,761 | $514,205,000 | $291,996 |
| 60-80% | 770 | $220,710,000 | $286,636 |
| 40-60% | 312 | $65,860,000 | $211,090 |
| Under 20% | 202 | $8,320,000 | $41,188 |
| 20-40% | 199 | $26,015,000 | $130,729 |
| Over 100% | 73 | $50,155,000 | $687,055 |
WACO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,761 originations, totaling $514,205,000 in origination value.