Wauchula Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Wauchula averaged 7.39% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

    The average rate for the prior week (2023-09-14) was 7.08% and one month ago for the week of 2023-08-17, the average rate was 6.89%.

    Wauchula's average rate one year ago was 6.22%.

    For refis of the same type during the week of 2023-09-21, the average rate was 7.39%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-09-21 7.19%
    Wauchula 30 Year Fixed Rate 2023-09-21 7.39%
    Wauchula 30 Year Fixed Rate Refi 2023-09-21 7.39%
    Wauchula 15 Year Fixed Rate 2023-09-21 6.44%
    Wauchula 15 Year Fixed Rate Refi 2023-09-21 6.94%
    Wauchula 30 Year FHA 2023-09-21 7.04%
    Wauchula 30 Year FHA Refi 2023-09-21 7.24%
    Wauchula 30 Year USDA 2023-09-21 7.22%
    Wauchula 30 Year USDA Refi 2023-09-21 7.02%
    Wauchula 30 Year VA 2023-09-21 7.02%
    Wauchula 30 Year VA Refi 2023-09-21 6.92%
    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 lender, 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    QUICKEN LOANS, LLC 11 4.78% $7,375
    MIDFLORIDA 11 4.69% $4,209
    Suncoast Credit Union 9 3.90% $2,989
    UNITED WHOLESALE MORTGAGE, LLC 5 4.71% $7,101
    NTFN, INC. 4 5.59% $7,244
    LAKEVIEW LOAN SERVICING, LLC 3 5.04% $4,723
    PENNYMAC LOAN SERVICES, LLC 3 4.21% $9,117
    Mortgage Lenders Investment Trading Corporation 2 5.69% $4,521
    Mr. Cooper ( Nationstar Mortgage ) 2 4.18% $8,809
    AgFirst Farm Credit Bank 2 5.56% $2,892
    GMFS LLC 2 5.18% $2,129
    BETTER MORTGAGE CORPORATION 2 3.44% $4,953
    CALIBER HOME LOANS, INC. 2 6.00% $4,765
    Paramount Residential Mortgage Group, Inc. 2 4.37% $6,516
    FREEDOM MORTGAGE CORPORATION 2 4.06% $3,397
    South State Bank 2 5.56% $7,210
    Hometown Lenders, Inc. 1 8.13% $6,542
    JPMorgan Chase Bank 1 4.38% $500
    Loan Simple, Inc. 1 5.99% $2,555
    Nations Lending Corporation 1 3.63% $4,555
    NAVY FEDERAL CREDIT UNION 1 8.88% $3,805
    OCEANSIDE MORTGAGE COMPANY 1 5.88% $4,623
    PENTAGON FEDERAL CREDIT UNION 1 4.88% $4,749
    Regions Bank 1 5.63% $6,330
    ROYAL UNITED MORTGAGE LLC 1 5.25% $7,151
    USF Federal Credit Union 1 4.50% $11,591
    VAN DYK MORTGAGE CORPORATION 1 4.88% $9,268
    AMERICAN FINANCING CORPORATION 1 5.88% $3,009
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 4.50% $5,110
    Ameris Bank 1 3.88% $8,335
    Bank of America 1 4.88% $6,460
    BROKER SOLUTIONS, INC. 1 4.49% $5,351
    CHURCHILL MORTGAGE CORPORATION 1 5.13% $5,934
    CMG MORTGAGE, INC. 1 2.88% $3,049
    CROSSCOUNTRY MORTGAGE, LLC 1 5.63% $6,180
    Equity Prime Mortgage LLC 1 3.88% $5,597
    EVERETT FINANCIAL, INC. 1 4.88% $1,309
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 5.63% $3,257
    GUARANTEED RATE AFFINITY, LLC 1 4.95% $10,194
    GUILD MORTGAGE COMPANY 1 2.99% $9,499
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 3.88% $8,796
    HOME POINT FINANCIAL CORPORATION 1 4.25% $4,184

    Wauchula Average Closing Costs & Other Stats

    Wauchula, FL's 42 lenders originated 296 loans during 2022. The total origination value was $54,260,000, with an average loan value of $183,311.

    Wauchula's average closing costs are $6,033.

    The top Wauchula lender as defined by loan originations is QUICKEN LOANS, LLC, with 11 loans originated. Their average total fees are $7,375, which is $3,165 higher than the next largest lender, MIDFLORIDA.

    The lowest fee Wauchula lenders (with over 10 loans originated) are MIDFLORIDA ($4,209), QUICKEN LOANS, LLC ($7,375), .

    The lowest rate Wauchula lenders (with over 10 loans originated) are MIDFLORIDA (4.69%), QUICKEN LOANS, LLC (4.78%), .

    Wauchula, FL Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    MIDFLORIDA $8,365,000 $7,585,000 -9.3% 14.0%
    QUICKEN LOANS, LLC $7,220,000 $3,605,000 -50.1% 6.6%
    NTFN, INC. $2,585,000 $3,360,000 30.0% 6.2%
    Wauchula State Bank $3,780,000 $2,490,000 -34.1% 4.6%
    UNITED WHOLESALE MORTGAGE, LLC $2,160,000 $2,170,000 0.5% 4.0%
    Suncoast Credit Union $3,330,000 $1,835,000 -44.9% 3.4%
    Mortgage Research Center, LLC $1,275,000 $1,715,000 34.5% 3.2%
    CALIBER HOME LOANS, INC. $610,000 $1,550,000 154.1% 2.9%
    AgFirst Farm Credit Bank $1,240,000 $1,280,000 3.2% 2.4%
    METROPLEX MORTGAGE SERVICES, INC. $1,245,000 $1,275,000 2.4% 2.3%
    CROSSCOUNTRY MORTGAGE, LLC $1,205,000 $1,135,000 -5.8% 2.1%
    LOANDEPOT.COM, LLC $415,000 $1,070,000 157.8% 2.0%
    PENNYMAC LOAN SERVICES, LLC $1,145,000 $1,005,000 -12.2% 1.9%
    HOME POINT FINANCIAL CORPORATION $480,000 $910,000 89.6% 1.7%
    21ST MORTGAGE CORPORATION $650,000 $905,000 39.2% 1.7%
    BROKER SOLUTIONS, INC. $905,000 n/a 1.7%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $900,000 n/a 1.7%
    LENDINGHOME FUNDING CORPORATION $840,000 n/a 1.5%
    FREEDOM MORTGAGE CORPORATION $1,625,000 $800,000 -50.8% 1.5%
    Mr. Cooper ( Nationstar Mortgage ) $310,000 $680,000 119.4% 1.3%
    South State Bank $855,000 $605,000 -29.2% 1.1%
    LAKEVIEW LOAN SERVICING, LLC $350,000 $595,000 70.0% 1.1%
    Ameris Bank $580,000 n/a 1.1%
    GUARANTEED RATE AFFINITY, LLC $165,000 $525,000 218.2% 1.0%
    BETTER MORTGAGE CORPORATION $185,000 $495,000 167.6% 0.9%
    CMG MORTGAGE, INC. $495,000 n/a 0.9%
    Mortgage Lenders Investment Trading Corporation $475,000 n/a 0.9%
    Regions Bank $15,000 $460,000 2,966.7% 0.8%
    AMERISAVE MORTGAGE CORPORATION $125,000 $455,000 264.0% 0.8%
    AMERICAN FINANCIAL RESOURCES, INC. $105,000 $450,000 328.6% 0.8%
    GMFS LLC $410,000 $450,000 9.8% 0.8%
    Paramount Residential Mortgage Group, Inc. $1,365,000 $420,000 -69.2% 0.8%
    NATIONS RELIABLE LENDING, LLC $405,000 n/a 0.7%
    Flagstar Bank, FSB $340,000 $400,000 17.6% 0.7%
    SOUTHWEST STAGE FUNDING, LLC $315,000 $400,000 27.0% 0.7%
    EVERETT FINANCIAL, INC. $385,000 n/a 0.7%
    MID AMERICA MORTGAGE, INC. $325,000 $380,000 16.9% 0.7%
    USF Federal Credit Union $375,000 n/a 0.7%
    Equity Prime Mortgage LLC $350,000 n/a 0.6%
    EMBRACE HOME LOANS, INC. $165,000 $335,000 103.0% 0.6%
    Heartland National Bank $825,000 $330,000 -60.0% 0.6%
    CHURCHILL MORTGAGE CORPORATION $325,000 n/a 0.6%
    JPMorgan Chase Bank $250,000 $315,000 26.0% 0.6%
    LOANPAL, LLC $300,000 n/a 0.6%
    Loan Simple, Inc. $285,000 n/a 0.5%
    Barrington Bank & Trust Company, N.A. $275,000 n/a 0.5%
    GUILD MORTGAGE COMPANY $205,000 $275,000 34.1% 0.5%
    TRIAD FINANCIAL SERVICES, INC. $65,000 $265,000 307.7% 0.5%
    VAN DYK MORTGAGE CORPORATION $155,000 $265,000 71.0% 0.5%
    PENTAGON FEDERAL CREDIT UNION $110,000 $255,000 131.8% 0.5%
    Carrington Mortgage Services, LLC $380,000 $250,000 -34.2% 0.5%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $245,000 n/a 0.5%
    OCEANSIDE MORTGAGE COMPANY $235,000 n/a 0.4%
    PLAZA HOME MORTGAGE, INC. $835,000 $235,000 -71.9% 0.4%
    FIRST HOME MORTGAGE CORPORATION $230,000 n/a 0.4%
    Nations Lending Corporation $395,000 $230,000 -41.8% 0.4%
    Prime Meridian Bank $245,000 $225,000 -8.2% 0.4%
    THE MORTGAGE FIRM, INC. $1,400,000 $225,000 -83.9% 0.4%
    ZILLOW HOME LOANS, LLC $225,000 n/a 0.4%
    AMERICAN PACIFIC MORTGAGE CORPORATION $215,000 n/a 0.4%
    ENVOY MORTGAGE, LTD $115,000 $215,000 87.0% 0.4%
    JET HOMELOANS, LLC $215,000 n/a 0.4%
    Plains Commerce Bank $485,000 $215,000 -55.7% 0.4%
    TOP FLITE FINANCIAL, INC. $215,000 n/a 0.4%
    Citizens Bank $175,000 $205,000 17.1% 0.4%
    Waterstone Mortgage Corporation $190,000 n/a 0.4%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $865,000 $185,000 -78.6% 0.3%
    Bank of America $490,000 $180,000 -63.3% 0.3%
    Hometown Lenders, Inc. $180,000 n/a 0.3%
    INLANTA MORTGAGE, INC. $175,000 n/a 0.3%
    LEGEND LENDING CORPORATION $175,000 n/a 0.3%
    FIRST CENTENNIAL MORTGAGE CORPORATION $165,000 n/a 0.3%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $165,000 n/a 0.3%
    AMERICAN FINANCING CORPORATION $160,000 n/a 0.3%
    NAVY FEDERAL CREDIT UNION $115,000 $145,000 26.1% 0.3%
    FAY SERVICING, LLC $135,000 n/a 0.2%
    NEW DAY FINANCIAL, LLC $230,000 $135,000 -41.3% 0.2%
    PHH Mortgage Corporation $135,000 n/a 0.2%
    A&D Mortgage LLC $1,015,000 $115,000 -88.7% 0.2%
    NEWREZ LLC $955,000 $115,000 -88.0% 0.2%
    GUARANTEED RATE, INC. $115,000 $105,000 -8.7% 0.2%
    Third Federal Savings and Loan Association of Cleveland $105,000 n/a 0.2%
    ROYAL UNITED MORTGAGE LLC $85,000 n/a 0.2%
    Wells Fargo Bank $180,000 $85,000 -52.8% 0.2%
    SPRING EQ, LLC $65,000 n/a 0.1%
    Truist $55,000 n/a 0.1%

    Wauchula's top lender by overall market share is MIDFLORIDA, with 14.0% market share. In second place, with 6.6%, is QUICKEN LOANS, LLC, having originated $3,605,000 in loans. In third place, with 6.2%, is NTFN, INC., having originated $3,360,000 in loans. In fourth place, with 4.6%, is Wauchula State Bank, having originated $2,490,000 in loans. In fifth place, with 4.0%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $2,170,000 in loans.

    Wauchula Housing Market Trends (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 $179,550 (11.4%) $238,242 (-6.1%) 0.00 34
    2018-02-01 $187,950 (10.6%) $224,823 (-15.7%) 0.00 28
    2018-03-01 $178,500 (-0.4%) $202,934 (-29.0%) 0.00 26
    2018-04-01 $182,500 (4.0%) $228,826 (-16.8%) 0.00 29
    2018-05-01 $237,375 (31.2%) $279,737 (1.3%) 0.00 28
    2018-06-01 $225,000 (26.6%) $261,195 (1.5%) 0.00 37
    2018-07-01 $214,475 (38.0%) $255,641 (17.1%) 0.00 40
    2018-08-01 $235,950 (41.3%) $283,035 (27.5%) 0.00 37
    2018-09-01 $209,900 (24.4%) $272,369 (21.7%) 0.00 38
    2018-10-01 $194,950 (2.6%) $252,463 (0.2%) 0.00 38
    2018-11-01 $192,750 (-6.2%) $242,801 (-4.2%) 0.00 46
    2018-12-01 $204,950 (4.6%) $275,298 (7.7%) 0.00 47
    2019-01-01 $224,975 (25.3%) $282,970 (18.8%) 0.00 45
    2019-02-01 $224,925 (19.7%) $333,576 (48.4%) 0.00 47
    2019-03-01 $251,707 (41.0%) $376,387 (85.5%) 0.00 42
    2019-04-01 $244,207 (33.8%) $392,543 (71.6%) 0.00 40
    2019-05-01 $219,900 (-7.4%) $376,318 (34.5%) 0.00 35
    2019-06-01 $222,400 (-1.2%) $352,518 (35.0%) 0.00 34
    2019-07-01 $203,675 (-5.0%) $316,265 (23.7%) 0.00 38
    2019-08-01 $216,291 (-8.3%) $321,734 (13.7%) 0.00 39
    2019-09-01 $218,377 (4.0%) $326,091 (19.7%) 0.00 42
    2019-10-01 $219,518 (12.6%) $327,281 (29.6%) 0.00 43
    2019-11-01 $219,900 (14.1%) $321,366 (32.4%) 0.00 43
    2019-12-01 $210,925 (2.9%) $325,530 (18.3%) 0.00 38
    2020-01-01 $227,700 (1.2%) $335,810 (18.7%) 0.00 35
    2020-02-01 $207,000 (-8.0%) $320,053 (-4.1%) 0.00 27
    2020-03-01 $181,175 (-28.0%) $289,065 (-23.2%) 0.00 24
    2020-04-01 $178,650 (-26.8%) $239,948 (-38.9%) 0.00 18
    2020-05-01 $199,000 (-9.5%) $245,576 (-34.7%) 0.00 21
    2020-06-01 $213,700 (-3.9%) $285,120 (-19.1%) 0.00 19
    2020-07-01 $219,700 (7.9%) $292,756 (-7.4%) 0.00 15
    2020-08-01 $249,500 (15.4%) $332,400 (3.3%) 0.00 11
    2020-09-01 $202,100 (-7.5%) $265,931 (-18.5%) 0.00 15
    2020-10-01 $194,450 (-11.4%) $264,147 (-19.3%) 0.00 18
    2020-11-01 $162,400 (-26.2%) $308,100 (-4.1%) 0.00 20
    2020-12-01 $180,925 (-14.2%) $302,989 (-6.9%) 0.00 22
    2021-01-01 $199,450 (-12.4%) $313,600 (-6.6%) 0.00 22
    2021-02-01 $191,700 (-7.4%) $320,160 (0.0%) 0.00 17
    2021-03-01 $253,950 (40.2%) $346,606 (19.9%) 0.00 15
    2021-04-01 $264,500 (48.1%) $423,673 (76.6%) 0.00 13
    2021-05-01 $292,250 (46.9%) $436,248 (77.6%) 0.00 16
    2021-06-01 $394,975 (84.8%) $451,906 (58.5%) 0.00 18
    2021-07-01 $412,500 (87.8%) $454,767 (55.3%) 0.00 20
    2021-08-01 $410,000 (64.3%) $445,644 (34.1%) 0.00 22
    2021-09-01 $442,500 (119.0%) $517,285 (94.5%) 0.00 21
    2021-10-01 $419,250 (115.6%) $500,671 (89.5%) 0.00 22
    2021-11-01 $412,125 (153.8%) $472,397 (53.3%) 0.00 19
    2021-12-01 $393,750 (117.6%) $491,081 (62.1%) 0.00 19
    2022-01-01 $395,000 (98.0%) $474,058 (51.2%) 0.00 17
    2022-02-01 $416,250 (117.1%) $533,818 (66.7%) 0.00 19
    2022-03-01 $435,000 (71.3%) $564,486 (62.9%) 0.00 19
    2022-04-01 $420,000 (58.8%) $538,389 (27.1%) 0.00 19
    2022-05-01 $401,250 (37.3%) $601,812 (38.0%) 0.00 20
    2022-06-01 $399,975 (1.3%) $554,126 (22.6%) 0.00 24
    2022-07-01 $280,000 (-32.1%) $418,605 (-8.0%) 0.00 42
    2022-08-01 $287,000 (-30.0%) $425,196 (-4.6%) 0.00 37
    2022-09-01 $298,825 (-32.5%) $434,548 (-16.0%) 0.00 33
    2022-10-01 $309,000 (-26.3%) $431,683 (-13.8%) 0.00 33
    2022-11-01 $294,750 (-28.5%) $461,736 (-2.3%) 0.00 30
    2022-12-01 $287,950 (-26.9%) $405,488 (-17.4%) 0.00 28
    2023-01-01 $302,425 (-23.4%) $424,220 (-10.5%) 0.00 32
    2023-02-01 $358,750 (-13.8%) $488,346 (-8.5%) 0.00 27
    2023-03-01 $308,675 (-29.0%) $494,969 (-12.3%) 0.00 25
    2023-04-01 $380,000 (-9.5%) $483,119 (-10.3%) 0.00 28
    2023-05-01 $344,950 (-14.0%) $451,121 (-25.0%) 0.00 27
    2023-06-01 $344,750 (-13.8%) $436,642 (-21.2%) 0.00 28
    2023-07-01 $352,500 (25.9%) $397,147 (-5.1%) 0.00 31
    2023-08-01 $327,750 (14.2%) $383,433 (-9.8%) 0.00 30
    Wauchula's median listing price for 2023-08-01 was $327,750, a difference of $40,750 (14.2%) versus the prior year and $-24,750 versus the prior month.

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

    Wauchula's average listing price for 2023-08-01 was $383,433, a difference of $-41,763 (-9.8%) versus the prior year and $-13,714 versus the prior month.

    For the 2023-08-01 period, Wauchula had 30 MLS listings, a difference of -1 listings (-3%) versus the prior month and -7 listings (-19%) 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 2,376 sqft
    2018-02-01 0 days 2,645 sqft
    2018-03-01 0 days 2,356 sqft
    2018-04-01 0 days 2,445 sqft
    2018-05-01 0 days 2,855 sqft
    2018-06-01 0 days 2,690 sqft
    2018-07-01 0 days 2,632 sqft
    2018-08-01 0 days 2,896 sqft
    2018-09-01 0 days 2,777 sqft
    2018-10-01 0 days 2,412 sqft
    2018-11-01 0 days 2,305 sqft
    2018-12-01 0 days 1,842 sqft
    2019-01-01 0 days 1,785 sqft
    2019-02-01 0 days 1,966 sqft
    2019-03-01 0 days 2,012 sqft
    2019-04-01 0 days 2,050 sqft
    2019-05-01 0 days 2,126 sqft
    2019-06-01 0 days 2,036 sqft
    2019-07-01 0 days 2,036 sqft
    2019-08-01 0 days 2,060 sqft
    2019-09-01 0 days 1,977 sqft
    2019-10-01 0 days 1,907 sqft
    2019-11-01 0 days 1,912 sqft
    2019-12-01 0 days 1,886 sqft
    2020-01-01 0 days 1,970 sqft
    2020-02-01 0 days 1,812 sqft
    2020-03-01 0 days 1,811 sqft
    2020-04-01 0 days 1,936 sqft
    2020-05-01 0 days 1,984 sqft
    2020-06-01 0 days 1,793 sqft
    2020-07-01 0 days 1,900 sqft
    2020-08-01 0 days 2,105 sqft
    2020-09-01 0 days 1,831 sqft
    2020-10-01 0 days 1,790 sqft
    2020-11-01 0 days 1,694 sqft
    2020-12-01 0 days 1,772 sqft
    2021-01-01 0 days 1,780 sqft
    2021-02-01 0 days 1,805 sqft
    2021-03-01 0 days 1,840 sqft
    2021-04-01 0 days 2,017 sqft
    2021-05-01 0 days 2,539 sqft
    2021-06-01 0 days 1,881 sqft
    2021-07-01 0 days 1,850 sqft
    2021-08-01 0 days 1,850 sqft
    2021-09-01 0 days 1,895 sqft
    2021-10-01 0 days 1,910 sqft
    2021-11-01 0 days 1,860 sqft
    2021-12-01 0 days 1,850 sqft
    2022-01-01 0 days 2,107 sqft
    2022-02-01 0 days 2,599 sqft
    2022-03-01 0 days 2,591 sqft
    2022-04-01 0 days 1,608 sqft
    2022-05-01 0 days 1,722 sqft
    2022-06-01 0 days 1,735 sqft
    2022-07-01 0 days 1,587 sqft
    2022-08-01 0 days 1,658 sqft
    2022-09-01 0 days 1,671 sqft
    2022-10-01 0 days 1,627 sqft
    2022-11-01 0 days 1,555 sqft
    2022-12-01 0 days 1,550 sqft
    2023-01-01 0 days 1,966 sqft
    2023-02-01 0 days 1,689 sqft
    2023-03-01 0 days 1,550 sqft
    2023-04-01 0 days 1,753 sqft
    2023-05-01 0 days 1,735 sqft
    2023-06-01 0 days 1,659 sqft
    2023-07-01 0 days 1,609 sqft
    2023-08-01 0 days 1,670 sqft
    Wauchula's median listing age (time on market) for 2023-08-01 was 0 days.

    Wauchula's median square footage for active listings during the 2023-08-01 period was 1,670 sqft. One year prior, the average listing was 1,658 sqft.

    Wauchula, FL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 162 $34,990,000 $215,988
    Cash Out Refi 74 $13,130,000 $177,432
    Refi 31 $4,255,000 $137,258
    Home Improvement 21 $1,295,000 $61,667
    Other 8 $590,000 $73,750

    Wauchula's most frequently cited loan purpose was Home Purchase, with 162 originations. The 2nd most popular reason was Cash Out Refi, with 74 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    4-5% 75 $14,655,000 $195,400
    5-6% 66 $13,110,000 $198,636
    3-4% 54 $9,840,000 $182,222
    6-7% 28 $5,240,000 $187,143
    2.5-3% 21 $4,075,000 $194,048
    Over 8% 13 $1,445,000 $111,154
    <2.5% 12 $1,090,000 $90,833
    7-8% 9 $1,745,000 $193,889

    During 2022, Wauchula's most frequently originated rate bucket was 4-5%, with 75 originations.

    Loan Sizing (Wauchula, FL MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 117 $17,315,000 $147,991
    $200k-400k 108 $28,370,000 $262,685
    $100,000 or less 60 $3,470,000 $57,833
    $400k-600k 11 $5,105,000 $464,091

    Wauchula's loan sizing saw the bucket of loans from $100k-200k with 117 originations, totaling $17,315,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 124 $27,740,000 $223,710
    60-80% 69 $13,275,000 $192,391
    40-60% 39 $5,925,000 $151,923
    Under 20% 23 $905,000 $39,348
    20-40% 18 $1,880,000 $104,444
    Over 100% 5 $1,355,000 $271,000

    Wauchula's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 124 originations, totaling $27,740,000 in origination value.