Mortgage lending in Bell County
9,383 mortgages were originated in Bell County, Texas, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 9,383
- Median rate
- 6.250%
- Median lender fees
- $6,043
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $265,000
- Above the going rate (spread over APOR)
- -0.170
- Paid discount points
- 52.2%
- Received lender credits
- 25.4%
- Purchases / refinances
- 68.3% / 24.2%
- Conventional / FHA / VA
- 39.8% / 13.3% / 46.5%
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 86.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $288,000
- That home, 20% down
- $230,400
A median-priced home with 20% down leaves $602,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Bell County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DHI Mortgage Company, Ltd. | 870 | $8,516 | 4.750% |
| Fairway Independent Mortgage Corporation | 869 | $5,534 | 6.250% |
| United Shore Financial Services, LLC | 627 | $5,366 | 5.875% |
| Mortgage Research Center, LLC | 522 | $4,968 | 6.250% |
| Rocket Mortgage, LLC | 392 | $5,580 | 6.750% |
| First National Bank Texas | 346 | $7,521 | 6.250% |
| Mortgage Solutions Of Colorado, LLC | 242 | $2,476 | 7.750% |
| Navy Federal Credit Union | 209 | $2,489 | 6.250% |
| CMG Mortgage, Inc. | 195 | $9,809 | 6.000% |
| Cadence Bank | 192 | $7,631 | 6.375% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Bell County — not a rule of thumb.
From 8,106 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers