Mortgage lending in Brazos County
3,776 mortgages were originated in Brazos 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
- 3,776
- Median rate
- 6.500%
- Median lender fees
- $6,632
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
- $275,000
- Above the going rate (spread over APOR)
- 0.113
- Paid discount points
- 42.3%
- Received lender credits
- 24.2%
- Purchases / refinances
- 73.8% / 17.9%
- Conventional / FHA / VA
- 75.6% / 15.3% / 8.6%
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 75.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $322,000
- That home, 20% down
- $257,600
A median-priced home with 20% down leaves $575,150 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 Brazos County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 377 | $6,467 | 6.250% |
| DHI Mortgage Company, Ltd. | 250 | $8,203 | 4.990% |
| First Financial Bank | 175 | $4,991 | 6.875% |
| Rocket Mortgage, LLC | 161 | $6,381 | 6.875% |
| Pilgrim Mortgage LLC | 126 | $8,864 | 6.500% |
| 549300UK9R93LGQHOV21 | 123 | $8,364 | 5.250% |
| CMG Mortgage, Inc. | 120 | $9,968 | 6.625% |
| Fairway Independent Mortgage Corporation | 117 | $8,718 | 6.490% |
| American Momentum Bank | 96 | — | — |
| JPMorgan Chase Bank, National Association | 94 | $6,511 | 6.500% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Brazos County — not a rule of thumb.
From 2,845 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