Wauchula Mortgage Rates

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

30 Year Fixed Rate mortgages in Wauchula averaged 6% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.41% and one month ago for the week of 2022-05-26, the average rate was 5.4%.

Wauchula's average rate one year ago was 3.67%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.89%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Wauchula 30 Year Fixed Rate 2022-06-30 6%
Wauchula 30 Year Fixed Rate Refi 2022-06-30 5.89%
Wauchula 15 Year Fixed Rate 2022-06-30 6.18%
Wauchula 15 Year Fixed Rate Refi 2022-06-30 5.02%
Wauchula 30 Year FHA 2022-06-30 5.65%
Wauchula 30 Year FHA Refi 2022-06-30 5.87%
Wauchula 30 Year USDA 2022-06-30 5.88%
Wauchula 30 Year USDA Refi 2022-06-30 5.15%
Wauchula 30 Year VA 2022-06-30 5.7%
Wauchula 30 Year VA Refi 2022-06-30 5.4%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Wauchula, FL.

Wauchula 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 Wauchula, FL 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
QUICKEN LOANS, LLC 25 3.04% $4,601
MIDFLORIDA 14 3.33% $3,895
Suncoast Credit Union 7 2.88% $2,548
THE MORTGAGE FIRM, INC. 4 3.38% $4,191
CROSSCOUNTRY MORTGAGE, LLC 3 3.25% $5,217
South State Bank 3 3.21% $4,189
UNITED WHOLESALE MORTGAGE, LLC 3 2.98% $6,536
Bell Bank 2 3.75% $3,505
Wells Fargo Bank 2 4.06% $3,520
Paramount Residential Mortgage Group, Inc. 2 3.56% $4,244
HOME POINT FINANCIAL CORPORATION 2 3.06% $5,818
GMFS LLC 2 2.81% $2,413
First Financial Bank 1 3.25% $4,618
First National Bank of America 1 8.88% $8,015
Flagstar Bank, FSB 1 2.88% $5,248
FREEDOM MORTGAGE CORPORATION 1 3.38% $2,054
GUARANTEED RATE AFFINITY, LLC 1 3.13% $3,507
GUARANTEED RATE, INC. 1 3.00% $3,857
GUILD MORTGAGE COMPANY 1 3.50% $3,376
HOME SOLUTION LENDERS INC. 1 2.88% $4,927
LENDUS, LLC 1 4.00% $8,224
Mortgage Research Center, LLC 1 3.13% $4,415
Mr. Cooper ( Nationstar Mortgage ) 1 2.88% $6,758
A&D Mortgage LLC 1 5.25% $38,247
NEWREZ LLC 1 2.99% $6,430
NTFN, INC. 1 3.25% $4,692
PANORAMA MORTGAGE GROUP, LLC 1 3.00% $3,563
PENNYMAC LOAN SERVICES, LLC 1 3.00% $7,328
PENTAGON FEDERAL CREDIT UNION 1 2.75% $4,036
PLAZA HOME MORTGAGE, INC. 1 3.63% $12,756
PREFERRED LENDING SERVICES, LLC 1 3.38% $3,229
SECURITYNATIONAL MORTGAGE COMPANY 1 4.63% $11,587
U.S. Bank 1 2.99% $3,849
VAN DYK MORTGAGE CORPORATION 1 3.25% $3,673
NAVY FEDERAL CREDIT UNION 1 2.25% $9,439
AgFirst Farm Credit Bank 1 3.38% $5,202
AMERIFIRST FINANCIAL CORPORATION 1 4.38% $3,645
AMERISAVE MORTGAGE CORPORATION 1 2.99% $6,809
Bank of America 1 1.25% $18,694
Bank of England 1 3.25% $4,942
BETTER MORTGAGE CORPORATION 1 3.25% $1,932
CALIBER HOME LOANS, INC. 1 4.38% $8,032
CELEBRITY HOME LOANS, LLC 1 3.38% $9,287
DEEPHAVEN MORTGAGE LLC 1 5.88% $11,977
ENVOY MORTGAGE, LTD 1 3.38% $5,230
FAIRWAY FUNDING GROUP, INC. 1 2.99% $3,263

Wauchula, FL's 46 lenders originated 357 loans during 2021. The total origination value was $62,395,000, with an average loan value of $174,776.

The top Wauchula lender as defined by loan originations is QUICKEN LOANS, LLC, with 25 loans originated. Their average total fees are $4,601, which is $706 higher than the next largest lender, MIDFLORIDA.

The lowest fee Wauchula lenders (with over 10 loans originated) are MIDFLORIDA ($3,895), QUICKEN LOANS, LLC ($4,601), .

The lowest rate Wauchula lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (3.04%), MIDFLORIDA (3.33%), .

Wauchula, FL 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
MIDFLORIDA $8,005,000 $8,365,000 4.5% 13.4%
QUICKEN LOANS, LLC $5,615,000 $7,220,000 28.6% 11.6%
Wauchula State Bank $1,750,000 $3,780,000 116.0% 6.1%
Suncoast Credit Union $1,635,000 $3,330,000 103.7% 5.3%
NTFN, INC. $1,130,000 $2,585,000 128.8% 4.1%
UNITED WHOLESALE MORTGAGE, LLC $2,495,000 $2,160,000 -13.4% 3.5%
FREEDOM MORTGAGE CORPORATION $1,570,000 $1,625,000 3.5% 2.6%
THE MORTGAGE FIRM, INC. $1,250,000 $1,400,000 12.0% 2.2%
Paramount Residential Mortgage Group, Inc. $915,000 $1,365,000 49.2% 2.2%
Mortgage Research Center, LLC $880,000 $1,275,000 44.9% 2.0%
METROPLEX MORTGAGE SERVICES, INC. $650,000 $1,245,000 91.5% 2.0%
AgFirst Farm Credit Bank $645,000 $1,240,000 92.2% 2.0%
CROSSCOUNTRY MORTGAGE, LLC $440,000 $1,205,000 173.9% 1.9%
PENNYMAC LOAN SERVICES, LLC $215,000 $1,145,000 432.6% 1.8%
A&D Mortgage LLC $1,015,000 n/a 1.6%
NEWREZ LLC $505,000 $955,000 89.1% 1.5%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $125,000 $865,000 592.0% 1.4%
South State Bank $55,000 $855,000 1,454.5% 1.4%
PLAZA HOME MORTGAGE, INC. $450,000 $835,000 85.6% 1.3%
Heartland National Bank $775,000 $825,000 6.5% 1.3%
Bell Bank $800,000 $700,000 -12.5% 1.1%
21ST MORTGAGE CORPORATION $660,000 $650,000 -1.5% 1.0%
CALIBER HOME LOANS, INC. $390,000 $610,000 56.4% 1.0%
First Federal Bank $570,000 n/a 0.9%
VYSTAR $545,000 n/a 0.9%
AMERIFIRST FINANCIAL CORPORATION $340,000 $525,000 54.4% 0.8%
Bank of America $55,000 $490,000 790.9% 0.8%
Plains Commerce Bank $215,000 $485,000 125.6% 0.8%
HOME POINT FINANCIAL CORPORATION $310,000 $480,000 54.8% 0.8%
HOME SOLUTION LENDERS INC. $520,000 $470,000 -9.6% 0.8%
Bank of England $450,000 n/a 0.7%
HOMEBRIDGE FINANCIAL SERVICES, INC. $540,000 $440,000 -18.5% 0.7%
VILLAGE CAPITAL & INVESTMENT LLC $435,000 n/a 0.7%
LOANDEPOT.COM, LLC $1,195,000 $415,000 -65.3% 0.7%
GMFS LLC $410,000 n/a 0.7%
First Guaranty Mortgage Corporation $400,000 n/a 0.6%
Nations Lending Corporation $395,000 n/a 0.6%
AMERICAN FINANCIAL NETWORK, INC. $175,000 $390,000 122.9% 0.6%
Carrington Mortgage Services, LLC $415,000 $380,000 -8.4% 0.6%
CELEBRITY HOME LOANS, LLC $370,000 n/a 0.6%
LAKEVIEW LOAN SERVICING, LLC $240,000 $350,000 45.8% 0.6%
Flagstar Bank, FSB $585,000 $340,000 -41.9% 0.5%
MID AMERICA MORTGAGE, INC. $325,000 n/a 0.5%
DEEPHAVEN MORTGAGE LLC $315,000 n/a 0.5%
SOUTHWEST STAGE FUNDING, LLC $145,000 $315,000 117.2% 0.5%
Colten Mortgage, LLC $310,000 n/a 0.5%
Mr. Cooper ( Nationstar Mortgage ) $195,000 $310,000 59.0% 0.5%
SECURITYNATIONAL MORTGAGE COMPANY $305,000 n/a 0.5%
ABSOLUTE HOME MORTGAGE CORPORATION $170,000 $295,000 73.5% 0.5%
U.S. Bank $295,000 n/a 0.5%
First Financial Bank $285,000 n/a 0.5%
READY MORTGAGE LENDERS, LLC $275,000 n/a 0.4%
LENDUS, LLC $255,000 n/a 0.4%
JPMorgan Chase Bank $55,000 $250,000 354.5% 0.4%
PLANET HOME LENDING, LLC $245,000 n/a 0.4%
Prime Meridian Bank $245,000 n/a 0.4%
NEW DAY FINANCIAL, LLC $230,000 n/a 0.4%
Wyndham Capital Mortgage, Inc. $225,000 n/a 0.4%
GUILD MORTGAGE COMPANY $250,000 $205,000 -18.0% 0.3%
Cornerstone First Mortgage, Inc $195,000 n/a 0.3%
BETTER MORTGAGE CORPORATION $185,000 n/a 0.3%
Wells Fargo Bank $805,000 $180,000 -77.6% 0.3%
Citizens Bank $275,000 $175,000 -36.4% 0.3%
EAGLE HOME MORTGAGE, LLC $630,000 $175,000 -72.2% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $175,000 n/a 0.3%
EMBRACE HOME LOANS, INC. $320,000 $165,000 -48.4% 0.3%
FAIRWAY FUNDING GROUP, INC. $165,000 $165,000 0.0% 0.3%
GUARANTEED RATE AFFINITY, LLC $165,000 n/a 0.3%
Strong Home Mortgage, LLC $165,000 n/a 0.3%
ACHIEVA CREDIT UNION $155,000 n/a 0.2%
NFM, INC. $155,000 n/a 0.2%
VAN DYK MORTGAGE CORPORATION $155,000 n/a 0.2%
First National Bank of America $145,000 n/a 0.2%
SOUTHWEST FUNDING, LP $145,000 n/a 0.2%
Lakeview Community Capital, LLC $135,000 n/a 0.2%
SUCCESS MORTGAGE PARTNERS, INC. $145,000 $135,000 -6.9% 0.2%
AMERISAVE MORTGAGE CORPORATION $155,000 $125,000 -19.4% 0.2%
ENVOY MORTGAGE, LTD $115,000 n/a 0.2%
GUARANTEED RATE, INC. $115,000 n/a 0.2%
Hometown Equity Mortgage, LLC $275,000 $115,000 -58.2% 0.2%
NAVY FEDERAL CREDIT UNION $65,000 $115,000 76.9% 0.2%
PENTAGON FEDERAL CREDIT UNION $110,000 n/a 0.2%
AMERICAN FINANCIAL RESOURCES, INC. $590,000 $105,000 -82.2% 0.2%
BAYSHORE MORTGAGE FUNDING, LLC $105,000 n/a 0.2%
PANORAMA MORTGAGE GROUP, LLC $105,000 n/a 0.2%
PREFERRED LENDING SERVICES, LLC $105,000 n/a 0.2%
Bethpage Federal Credit Union $85,000 n/a 0.1%
TRIAD FINANCIAL SERVICES, INC. $245,000 $65,000 -73.5% 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $55,000 n/a 0.1%
Ipava State Bank $15,000 n/a 0.0%
Regions Bank $15,000 n/a 0.0%

Wauchula's top lender by overall market share is MIDFLORIDA, with 13.4% market share. In second place, with 11.6%, is QUICKEN LOANS, LLC, having originated $7,220,000 in loans. In third place, with 6.1%, is Wauchula State Bank, having originated $3,780,000 in loans. In third place, with 5.3%, is Suncoast Credit Union, having originated $3,330,000 in loans. In third place, with 4.1%, is NTFN, INC., having originated $2,585,000 in loans.


Wauchula, FL Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 178 $35,200,000 $197,753
Refi 87 $13,505,000 $155,230
Cash Out Refi 67 $12,375,000 $184,701
Home Improvement 15 $805,000 $53,667
Other 10 $510,000 $51,000

Wauchula's most frequently cited loan purpose was Home Purchase, with 178 originations. The 2nd most popular reason was Refi, with 87 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 134 $25,130,000 $187,537
2.5-3% 117 $20,745,000 $177,308
<2.5% 48 $6,990,000 $145,625
4-5% 14 $1,850,000 $132,143
5-6% 6 $1,690,000 $281,667
Over 8% 5 $565,000 $113,000
6-7% 4 $300,000 $75,000
7-8% 1 $65,000 $65,000

During 2021, Wauchula's most frequently originated rate bucket was 3-4%, with 134 originations.

Loan Sizing (Wauchula, FL MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 175 $26,105,000 $149,171
$200k-400k 103 $27,055,000 $262,670
$100,000 or less 69 $4,095,000 $59,348
$400k-600k 9 $4,125,000 $458,333
$Over $1MM 1 $1,015,000 $1,015,000

Wauchula's loan sizing saw the bucket of loans from $100k-200k with 175 originations, totaling $26,105,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 153 $30,645,000 $200,294
60-80% 97 $17,985,000 $185,412
40-60% 34 $5,180,000 $152,353
20-40% 19 $1,535,000 $80,789
Under 20% 16 $380,000 $23,750
Over 100% 4 $540,000 $135,000

Wauchula's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 153 originations, totaling $30,645,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Wauchula (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 $179,200 (-0.4%) $236,008 (-9.6%) 0.00 39
2018-02-01 $180,000 (-4.8%) $225,634 (-17.8%) 0.00 32
2018-03-01 $178,500 (-8.4%) $208,913 (-27.7%) 0.00 31
2018-04-01 $185,000 (2.8%) $237,004 (-14.2%) 0.00 35
2018-05-01 $224,750 (12.4%) $279,523 (-0.7%) 0.00 33
2018-06-01 $225,000 (14.0%) $262,358 (0.0%) 0.00 42
2018-07-01 $211,950 (21.1%) $258,515 (11.1%) 0.00 46
2018-08-01 $249,950 (40.0%) $287,713 (20.3%) 0.00 44
2018-09-01 $242,000 (35.6%) $282,210 (17.2%) 0.00 46
2018-10-01 $224,000 (13.2%) $261,693 (-0.3%) 0.00 44
2018-11-01 $209,900 (-4.6%) $247,544 (-6.5%) 0.00 56
2018-12-01 $210,000 (7.2%) $276,447 (5.7%) 0.00 54
2019-01-01 $232,450 (29.7%) $280,676 (18.9%) 0.00 51
2019-02-01 $232,450 (29.1%) $344,540 (52.7%) 0.00 53
2019-03-01 $263,243 (47.5%) $376,190 (80.1%) 0.00 50
2019-04-01 $222,400 (20.2%) $382,937 (61.6%) 0.00 45
2019-05-01 $219,900 (-2.2%) $370,229 (32.5%) 0.00 40
2019-06-01 $219,900 (-2.3%) $359,936 (37.2%) 0.00 37
2019-07-01 $214,900 (1.4%) $320,316 (23.9%) 0.00 44
2019-08-01 $214,229 (-14.3%) $314,621 (9.4%) 0.00 54
2019-09-01 $201,779 (-16.6%) $307,999 (9.1%) 0.00 62
2019-10-01 $229,750 (2.6%) $341,790 (30.6%) 0.00 52
2019-11-01 $220,000 (4.8%) $330,632 (33.6%) 0.00 50
2019-12-01 $219,450 (4.5%) $345,599 (25.0%) 0.00 43
2020-01-01 $232,400 (0.0%) $349,096 (24.4%) 0.00 41
2020-02-01 $199,000 (-14.4%) $309,635 (-10.1%) 0.00 31
2020-03-01 $172,450 (-34.5%) $275,429 (-26.8%) 0.00 29
2020-04-01 $199,000 (-10.5%) $263,301 (-31.2%) 0.00 23
2020-05-01 $199,000 (-9.5%) $257,431 (-30.5%) 0.00 28
2020-06-01 $224,500 (2.1%) $273,679 (-24.0%) 0.00 25
2020-07-01 $224,500 (4.5%) $273,957 (-14.5%) 0.00 18
2020-08-01 $249,500 (16.5%) $320,466 (1.9%) 0.00 16
2020-09-01 $222,250 (10.2%) $298,482 (-3.1%) 0.00 21
2020-10-01 $213,900 (-6.9%) $287,517 (-15.9%) 0.00 27
2020-11-01 $164,900 (-25.1%) $305,030 (-7.7%) 0.00 26
2020-12-01 $204,450 (-6.8%) $318,029 (-8.0%) 0.00 26
2021-01-01 $199,900 (-14.0%) $324,558 (-7.0%) 0.00 27
2021-02-01 $234,900 (18.0%) $340,553 (10.0%) 0.00 21
2021-03-01 $289,900 (68.1%) $363,911 (32.1%) 0.00 19
2021-04-01 $274,900 (38.1%) $433,818 (64.8%) 0.00 16
2021-05-01 $420,000 (111.1%) $469,925 (82.5%) 0.00 19
2021-06-01 $420,000 (87.1%) $479,315 (75.1%) 0.00 21
2021-07-01 $420,000 (87.1%) $470,752 (71.8%) 0.00 25
2021-08-01 $415,000 (66.3%) $479,766 (49.7%) 0.00 29
2021-09-01 $537,500 (141.8%) $526,513 (76.4%) 0.00 25
2021-10-01 $418,500 (95.7%) $491,761 (71.0%) 0.00 28
2021-11-01 $410,000 (148.6%) $462,796 (51.7%) 0.00 24
2021-12-01 $412,500 (101.8%) $518,143 (62.9%) 0.00 23
2022-01-01 $405,000 (102.6%) $507,477 (56.4%) 0.00 22
2022-02-01 $437,500 (86.3%) $561,093 (64.8%) 0.00 23
2022-03-01 $465,000 (60.4%) $587,681 (61.5%) 0.00 23
2022-04-01 $465,000 (69.2%) $541,182 (24.8%) 0.00 23
2022-05-01 $442,500 (5.4%) $609,134 (29.6%) 0.00 23
2022-06-01 $424,950 (1.2%) $571,816 (19.3%) 0.00 28
Wauchula's median listing price for 2022-06-01 was $424,950, a difference of $4,950 (1.2%) versus the prior year and $-17,550 versus the prior month.

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

Wauchula's average listing price for 2022-06-01 was $571,816, a difference of $92,501 (19.3%) versus the prior year and $-37,318 versus the prior month.

For the 2022-06-01 period, Wauchula had 28 MLS listings, a difference of 5 listings (22%) versus the prior month and 7 listings (33%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Wauchula (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,360 sqft
2018-02-01 0 days 2,608 sqft
2018-03-01 0 days 2,356 sqft
2018-04-01 0 days 2,508 sqft
2018-05-01 0 days 2,895 sqft
2018-06-01 0 days 2,655 sqft
2018-07-01 0 days 2,520 sqft
2018-08-01 0 days 2,775 sqft
2018-09-01 0 days 2,536 sqft
2018-10-01 0 days 2,420 sqft
2018-11-01 0 days 2,304 sqft
2018-12-01 0 days 1,869 sqft
2019-01-01 0 days 1,869 sqft
2019-02-01 0 days 1,992 sqft
2019-03-01 0 days 2,059 sqft
2019-04-01 0 days 1,993 sqft
2019-05-01 0 days 2,125 sqft
2019-06-01 0 days 1,956 sqft
2019-07-01 0 days 1,934 sqft
2019-08-01 0 days 1,956 sqft
2019-09-01 0 days 1,934 sqft
2019-10-01 0 days 1,902 sqft
2019-11-01 0 days 1,948 sqft
2019-12-01 0 days 1,930 sqft
2020-01-01 0 days 2,036 sqft
2020-02-01 0 days 1,812 sqft
2020-03-01 0 days 1,900 sqft
2020-04-01 0 days 2,036 sqft
2020-05-01 0 days 2,083 sqft
2020-06-01 0 days 1,988 sqft
2020-07-01 0 days 2,043 sqft
2020-08-01 0 days 2,222 sqft
2020-09-01 0 days 1,910 sqft
2020-10-01 0 days 1,831 sqft
2020-11-01 0 days 1,780 sqft
2020-12-01 0 days 1,790 sqft
2021-01-01 0 days 1,780 sqft
2021-02-01 0 days 1,820 sqft
2021-03-01 0 days 1,840 sqft
2021-04-01 0 days 2,027 sqft
2021-05-01 0 days 2,566 sqft
2021-06-01 0 days 1,855 sqft
2021-07-01 0 days 2,231 sqft
2021-08-01 0 days 2,621 sqft
2021-09-01 0 days 1,949 sqft
2021-10-01 0 days 1,910 sqft
2021-11-01 0 days 1,885 sqft
2021-12-01 0 days 2,153 sqft
2022-01-01 0 days 2,244 sqft
2022-02-01 0 days 2,640 sqft
2022-03-01 0 days 2,607 sqft
2022-04-01 0 days 1,655 sqft
2022-05-01 0 days 1,798 sqft
2022-06-01 0 days 1,787 sqft
Wauchula's median listing age (time on market) for 2022-06-01 was 0 days.

Wauchula's median square footage for active listings during the 2022-06-01 period was 1,787 sqft. One year prior, the average listing was 1,855 sqft.