Mortgage lending in Caldwell County
936 mortgages were originated in Caldwell 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
- 936
- Median rate
- 6.250%
- Median lender fees
- $7,704
- Median loan amount
- $235,000
- Median spread over APOR
- 0.102
- Paid discount points
- 40.8%
- Received lender credits
- 18.6%
- Purchases / refinances
- 76.6% / 18.3%
- Conventional / FHA / VA
- 56.1% / 31.6% / 6.6%
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 77.4% 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 Caldwell County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 180 | $8,662 | 4.500% |
| LENNAR MORTGAGE, LLC | 79 | $6,329 | 4.625% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 71 | $34 | 7.000% |
| VELOCIO MORTGAGE L.L.C. | 56 | $11,393 | 3.990% |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in Caldwell County — not a rule of thumb.
From 724 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