Mortgage lending in Bowie County
1,417 mortgages were originated in Bowie 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
- 1,417
- Median rate
- 6.875%
- Median lender fees
- $5,858
- Median loan amount
- $165,000
- Median spread over APOR
- 0.552
- Paid discount points
- 32.7%
- Received lender credits
- 21.3%
- Purchases / refinances
- 63.5% / 26.6%
- Conventional / FHA / VA
- 68.9% / 15% / 13.8%
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 60.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Bowie County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 105 | — | — |
| MORTGAGE FINANCIAL SERVICES, LLC | 91 | $6,905 | 6.625% |
| State Bank of De Kalb | 87 | — | — |
| UNITED SHORE FINANCIAL SERVICES, LLC | 77 | $6,950 | 6.375% |
| Rocket Mortgage, LLC | 61 | $6,228 | 6.990% |
| Farmers Bank & Trust Company | 61 | — | 7.500% |
| Mortgage Research Center, LLC | 58 | $3,427 | 6.500% |
| Cadence Bank | 55 | — | 7.500% |
| Fairway Independent Mortgage Corporation | 54 | — | 7.000% |
| 21st Mortgage Corporation | 54 | — | 9.250% |
What lenders charged here
Lender fees on a $165,000 loan, based on what was actually charged in Bowie County — not a rule of thumb.
From 857 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