Wauchula Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Wauchula averaged 7.01% for the week of 2025-06-18, compared to the national average of 6.81% for the same period.

The average rate for the prior week (2025-06-12) was 6.74% and one month ago for the week of 2025-05-15, the average rate was 6.91%.

Wauchula's average rate one year ago was 6.75%.

For refis of the same type during the week of 2025-06-18, the average rate was 6.71%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-06-18 6.81%
Wauchula 30 Year Fixed Rate 2025-06-18 7.01%
Wauchula 30 Year Fixed Rate Refi 2025-06-18 6.71%
Wauchula 15 Year Fixed Rate 2025-06-18 5.76%
Wauchula 15 Year Fixed Rate Refi 2025-06-18 6.26%
Wauchula 30 Year FHA 2025-06-18 0.21%
Wauchula 30 Year FHA Refi 2025-06-18 0.2%
Wauchula 30 Year USDA 2025-06-18 0%
Wauchula 30 Year USDA Refi 2025-06-18 0.2%
Wauchula 30 Year VA 2025-06-18 0.2%
Wauchula 30 Year VA Refi 2025-06-18 -0.1%
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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
MIDFLORIDA 8 6.38% $5,334
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 7.15% $8,487
21ST MORTGAGE CORPORATION 4 8.42% $6,052
QUICKEN LOANS, LLC 3 6.33% $7,978
JPMorgan Chase Bank 2 5.75% $7,130
AgFirst Farm Credit Bank 2 7.00% $8,682
MOVEMENT MORTGAGE, LLC 2 6.81% $7,223
UNITED WHOLESALE MORTGAGE, LLC 2 6.63% $6,035
BROKER SOLUTIONS, INC. 2 7.31% $9,137
Suncoast Credit Union 2 5.94% $3,370
NEWREZ LLC 2 7.00% $6,282
FIRST FLORIDA Credit Union 1 6.63% $7,543
GARDNER FINANCIAL SERVICES, LTD. 1 5.75% $5,426
GENEVA FINANCIAL, LLC 1 8.13% $7,039
HOMESIDE FINANCIAL, LLC 1 5.75% $8,833
JMAC LENDING, INC. 1 6.99% $6,488
MY MORTGAGE, INC. 1 6.99% $10,623
Northpointe Bank 1 9.25% $9,721
PENNYMAC LOAN SERVICES, LLC 1 7.12% $4,408
Plains Commerce Bank 1 7.63% $12,441
Regions Bank 1 7.25% $5,264
South State Bank 1 6.60% $7,697
Synovus Bank 1 6.13% $6,758
THE MORTGAGE FIRM, INC. 1 6.50% $6,746
Truist 1 6.49% $6,314
UNION HOME MORTGAGE CORP. 1 7.50% $6,326
USAA Federal Savings Bank 1 7.13% $5,349
BAY EQUITY LLC 1 6.88% $3,729
VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.75% $6,734
BMO Harris Bank 1 7.00% $3,783
Carrington Mortgage Services, LLC 1 6.50% $7,202
Centennial Bank 1 8.00% $7,797
Citadel Servicing Corporation 1 9.00% $29,063
EMBRACE HOME LOANS, INC. 1 6.13% $7,808
EVERETT FINANCIAL, INC. 1 7.50% $6,211
AmeriHome Mortgage Company, LLC 1 7.88% $6,893

Wauchula Average Closing Costs & Other Stats

Wauchula, FL's 36 lenders originated 295 loans during 2024. The total origination value was $61,195,000, with an average loan value of $207,441.

Wauchula's average closing costs are $7,100.

The top Wauchula lender as defined by loan originations is MIDFLORIDA, with 8 loans originated. Their average total fees are $5,334, which is $3,154 lower than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

The lowest fee Wauchula lenders (with over 10 loans originated) are .

The lowest rate Wauchula lenders (with over 10 loans originated) are .

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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
MIDFLORIDA $4,150,000 $6,160,000 48.4% 10.1%
HOMESIDE FINANCIAL, LLC $5,990,000 n/a 9.8%
Wauchula State Bank $430,000 $3,875,000 801.2% 6.3%
QUICKEN LOANS, LLC $2,390,000 $3,245,000 35.8% 5.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $510,000 $2,955,000 479.4% 4.8%
Centennial Bank $2,775,000 n/a 4.5%
UNITED WHOLESALE MORTGAGE, LLC $7,345,000 $2,635,000 -64.1% 4.3%
Plains Commerce Bank $255,000 $1,485,000 482.4% 2.4%
21ST MORTGAGE CORPORATION $980,000 $1,355,000 38.3% 2.2%
AgFirst Farm Credit Bank $345,000 $1,285,000 272.5% 2.1%
Suncoast Credit Union $1,225,000 $1,155,000 -5.7% 1.9%
NEWREZ LLC $400,000 $1,150,000 187.5% 1.9%
LENDINGHOME FUNDING CORPORATION $270,000 $920,000 240.7% 1.5%
FREEDOM MORTGAGE CORPORATION $255,000 $905,000 254.9% 1.5%
South State Bank $860,000 n/a 1.4%
LOANDEPOT.COM, LLC $520,000 $840,000 61.5% 1.4%
VANDERBILT MORTGAGE AND FINANCE, INC. $395,000 $835,000 111.4% 1.4%
GARDNER FINANCIAL SERVICES, LTD. $370,000 $830,000 124.3% 1.4%
MOVEMENT MORTGAGE, LLC $495,000 $760,000 53.5% 1.2%
METROPLEX MORTGAGE SERVICES, INC. $805,000 $735,000 -8.7% 1.2%
BROKER SOLUTIONS, INC. $730,000 n/a 1.2%
Regions Bank $370,000 $725,000 95.9% 1.2%
Heartland National Bank $1,815,000 $600,000 -66.9% 1.0%
Prime Meridian Bank $465,000 $570,000 22.6% 0.9%
T2 FINANCIAL LLC $560,000 n/a 0.9%
FIRST MORTGAGE COMPANY, INC. $550,000 n/a 0.9%
LEADERONE FINANCIAL CORPORATION $1,290,000 $550,000 -57.4% 0.9%
Bell Bank $185,000 $540,000 191.9% 0.9%
Truist $50,000 $515,000 930.0% 0.8%
GUARANTEED RATE, INC. $1,170,000 $500,000 -57.3% 0.8%
HOME SOLUTION LENDERS INC. $500,000 n/a 0.8%
UNION HOME MORTGAGE CORP. $500,000 n/a 0.8%
Citadel Servicing Corporation $455,000 n/a 0.7%
VILLAGE CAPITAL MORTGAGE $425,000 n/a 0.7%
JMAC LENDING, INC. $385,000 n/a 0.6%
MY MORTGAGE, INC. $225,000 $385,000 71.1% 0.6%
USAA Federal Savings Bank $375,000 n/a 0.6%
Mortgage Research Center, LLC $465,000 $365,000 -21.5% 0.6%
PENNYMAC LOAN SERVICES, LLC $250,000 $360,000 44.0% 0.6%
JPMorgan Chase Bank $205,000 $340,000 65.9% 0.6%
NFM, INC. $325,000 $340,000 4.6% 0.6%
TRIAD FINANCIAL SERVICES, INC. $125,000 $330,000 164.0% 0.5%
EMBRACE HOME LOANS, INC. $325,000 n/a 0.5%
Equity Prime Mortgage LLC $315,000 n/a 0.5%
Century Mortgage Company DBA Century Lending Company $305,000 n/a 0.5%
Northpointe Bank $295,000 n/a 0.5%
Loan Simple, Inc. $285,000 n/a 0.5%
Home Mortgage Alliance Corp $280,000 n/a 0.5%
STOCKTON MORTGAGE CORPORATION $1,310,000 $275,000 -79.0% 0.4%
FBC MORTGAGE, LLC $185,000 $265,000 43.2% 0.4%
CityWorth Mortgage LLC $265,000 $255,000 -3.8% 0.4%
FINANCE OF AMERICA REVERSE LLC $250,000 n/a 0.4%
PLANET HOME LENDING, LLC $470,000 $245,000 -47.9% 0.4%
FIRST FLORIDA Credit Union $235,000 n/a 0.4%
MASON MCDUFFIE MORTGAGE CORPORATION $235,000 n/a 0.4%
Ixonia Bank $215,000 n/a 0.4%
AmeriHome Mortgage Company, LLC $365,000 $205,000 -43.8% 0.3%
LOANPAL, LLC $205,000 n/a 0.3%
MILEND, INC. $205,000 n/a 0.3%
Synovus Bank $205,000 n/a 0.3%
THE MORTGAGE FIRM, INC. $195,000 n/a 0.3%
GENEVA FINANCIAL, LLC $185,000 n/a 0.3%
COUNTRYPLACE MORTGAGE, LTD. $175,000 n/a 0.3%
Flagstar Bank, FSB $625,000 $175,000 -72.0% 0.3%
AMERICAN FINANCIAL NETWORK, INC. $165,000 n/a 0.3%
Mr. Cooper ( Nationstar Mortgage ) $320,000 $165,000 -48.4% 0.3%
NEW DAY FINANCIAL, LLC $580,000 $165,000 -71.6% 0.3%
Quontic Bank $165,000 n/a 0.3%
Discover Bank $90,000 $140,000 55.6% 0.2%
Carrington Mortgage Services, LLC $185,000 $135,000 -27.0% 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $135,000 n/a 0.2%
ANGEL OAK MORTGAGE SOLUTIONS LLC $125,000 n/a 0.2%
SOUTHWEST STAGE FUNDING, LLC $1,030,000 $125,000 -87.9% 0.2%
TOWNE MORTGAGE COMPANY $265,000 $125,000 -52.8% 0.2%
BAY EQUITY LLC $115,000 n/a 0.2%
EVERETT FINANCIAL, INC. $155,000 $105,000 -32.3% 0.2%
Figure Lending LLC $35,000 $105,000 200.0% 0.2%
BMO Harris Bank $75,000 n/a 0.1%
Coastal Community Bank $95,000 $75,000 -21.1% 0.1%
LONGBRIDGE FINANCIAL, LLC $75,000 n/a 0.1%
University Bank $75,000 n/a 0.1%
Citizens Bank $55,000 n/a 0.1%
PNC Bank $55,000 n/a 0.1%
Bank of America $400,000 $35,000 -91.3% 0.1%
NAVY FEDERAL CREDIT UNION $15,000 n/a 0.0%

Wauchula's top lender by overall market share is MIDFLORIDA, with 10.1% market share. In second place, with 9.8%, is HOMESIDE FINANCIAL, LLC, having originated $5,990,000 in loans. In third place, with 6.3%, is Wauchula State Bank, having originated $3,875,000 in loans. In fourth place, with 5.3%, is QUICKEN LOANS, LLC, having originated $3,245,000 in loans. In fifth place, with 4.8%, is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, having originated $2,955,000 in loans.

Wauchula, FL Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 194 $45,580,000 $234,948
Cash Out Refi 30 $6,190,000 $206,333
Refi 28 $5,110,000 $182,500
Other 24 $3,070,000 $127,917
Home Improvement 19 $1,245,000 $65,526

Wauchula's most frequently cited loan purpose was Home Purchase, with 194 originations. The 2nd most popular reason was Cash Out Refi, with 30 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 107 $25,525,000 $238,551
7-8% 51 $12,555,000 $246,176
Over 8% 50 $6,930,000 $138,600
5-6% 39 $9,045,000 $231,923
4-5% 14 $1,850,000 $132,143
<2.5% 12 $170,000 $14,167

During 2024, Wauchula's most frequently originated rate bucket was 6-7%, with 107 originations.

Loan Sizing (Wauchula, FL MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 124 $33,960,000 $273,871
$100k-200k 84 $12,900,000 $153,571
$100,000 or less 69 $3,455,000 $50,072
$400k-600k 12 $5,290,000 $440,833
$600k-1000k 3 $2,145,000 $715,000
$Over $1MM 3 $3,445,000 $1,148,333

Wauchula's loan sizing saw the bucket of loans from $200k-400k with 124 originations, totaling $33,960,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 137 $34,545,000 $252,153
60-80% 47 $10,235,000 $217,766
Under 20% 39 $1,375,000 $35,256
20-40% 21 $3,335,000 $158,810
40-60% 20 $4,060,000 $203,000
Over 100% 6 $1,770,000 $295,000

Wauchula's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 137 originations, totaling $34,545,000 in origination value.