Mortgage lending in Cameron County
4,175 mortgages were originated in Cameron 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
- 4,175
- Median rate
- 6.625%
- Median lender fees
- $7,774
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
- $225,000
- Above the going rate (spread over APOR)
- 0.490
- Paid discount points
- 51%
- Received lender credits
- 27.1%
- Purchases / refinances
- 66.7% / 25.1%
- Conventional / FHA / VA
- 60.1% / 28.1% / 11.4%
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 80.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $237,000
- That home, 20% down
- $189,600
A median-priced home with 20% down leaves $643,150 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 Cameron County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 310 | $6,730 | 6.750% |
| United Shore Financial Services, LLC | 242 | $8,613 | 6.250% |
| Rally Credit Union | 199 | $2,632 | 6.625% |
| Fairway Independent Mortgage Corporation | 180 | $11,418 | 6.375% |
| Union Home Mortgage Corp. | 166 | $11,744 | 6.500% |
| JPMorgan Chase Bank, National Association | 139 | $7,223 | 6.490% |
| Security Service Federal Credit Union | 127 | $3,078 | 6.875% |
| Synergy One Lending, Inc. | 99 | $9,484 | 6.625% |
| CMG Mortgage, Inc. | 89 | $10,982 | 6.625% |
| American Neighborhood Mortgage Acceptance Company LLC | 85 | $11,209 | 6.500% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Cameron County — not a rule of thumb.
From 3,370 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