Wauchula Mortgage Rates & Closing Costs
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% |
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.).
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.