Ellis County sits just south of Dallas and Tarrant counties and is one of the fastest-growing counties in the DFW Metroplex, offering commercial investors access to DFW’s growth at prices significantly below northern Collin, Denton, and established Tarrant county markets. The county spans three distinct commercial centers — Waxahachie (the county seat and historic downtown), Midlothian (the industrial and steel corridor), and Ennis (the I-45 industrial/retail market) — each with different commercial real estate characteristics and opportunities.
Waxahachie: County Seat and Historic Downtown
Waxahachie is Ellis County’s county seat and home to one of the most beautifully preserved Victorian-era courthouse squares in Texas — a National Historic Landmark that attracts tourism, film productions (the city has been featured in multiple major motion pictures), and heritage tourism. The city’s commercial market blends historic downtown retail and restaurants with modern US-287 corridor retail serving Ellis County’s rapidly growing residential population. Navarro College’s Waxahachie campus adds educational demand. We finance commercial real estate throughout Waxahachie with programs appropriate for both historic district mixed-use and suburban strip center acquisitions.
Midlothian: Steel, Cement, and Growth
Midlothian’s heavy industrial base — anchored by Nucor, Chaparral Steel, Martin Marietta cement, and multiple other major manufacturers — gives it a distinct commercial identity as one of the few true heavy industrial cities remaining in the DFW metro. As residential development accelerates along US-287 and SH-360, retail and medical commercial demand is following. The city’s MISD (Midlothian ISD) enrollment growth is among the fastest in Texas — a reliable leading indicator of commercial demand. Industrial property in Midlothian can be financed at excellent terms given the strong tenant creditworthiness of its major employers.
Ennis: I-45 Corridor Industrial and Retail
Ennis provides I-45 corridor access between Dallas and Corsicana with its own industrial base (Ennis, Inc., the publicly traded forms manufacturer) and growing retail serving a community that is capturing residential growth spillover from the tightening Ellis County-Waxahachie market. BNSF rail access adds logistics potential that is increasingly attractive as DFW industrial tenants seek more affordable alternatives.
Commercial Loan Programs for Ellis County
We finance commercial real estate throughout Ellis County with a full range of programs: industrial and manufacturing loans, retail strip center financing, SBA 504 and 7(a) for owner-occupied commercial, medical office loans, and hard money loans for value-add acquisitions. Contact us to discuss your specific Ellis County commercial property and we’ll match you with the most appropriate financing program and lender.