Mortgage lending in Bastrop County
2,373 mortgages were originated in Bastrop County, Texas, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 2,373
- Median rate
- 6.500%
- Median lender fees
- $8,429
- Median loan amount
- $285,000
- Median spread over APOR
- 0.229
- Paid discount points
- 39.6%
- Received lender credits
- 28.9%
- Purchases / refinances
- 73.5% / 19%
- Conventional / FHA / VA
- 63.8% / 23.1% / 9.7%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 73.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $571,550
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Bastrop County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| CMG MORTGAGE, INC. | 246 | $11,321 | 5.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 134 | $10,749 | 6.250% |
| DHI MORTGAGE COMPANY, LTD. | 121 | $8,250 | 3.990% |
| 21st Mortgage Corporation | 110 | — | 9.805% |
| TRIAD FINANCIAL SERVICES, INC. | 106 | — | 9.290% |
| Rocket Mortgage, LLC | 94 | $7,217 | 6.500% |
| The First National Bank of Bastrop | 85 | — | — |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 55 | — | 6.875% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 53 | — | 10.750% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Bastrop County — not a rule of thumb.
From 1,748 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers