Mortgage lending in Chambers County
1,499 mortgages were originated in Chambers 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
- 1,499
- Median rate
- 6.369%
- Median lender fees
- $8,314
- Median loan amount
- $305,000
- Median spread over APOR
- 0.122
- Paid discount points
- 58.4%
- Received lender credits
- 30.5%
- Purchases / refinances
- 72.8% / 20.9%
- Conventional / FHA / VA
- 59.1% / 30.2% / 10.1%
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 89.7% 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 Chambers County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 237 | $7,724 | 6.374% |
| Loandepot.Com, LLC | 122 | $12,167 | 4.990% |
| Rocket Mortgage, LLC | 72 | $7,683 | 6.563% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 65 | $11,416 | 6.250% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 64 | $10,384 | 5.875% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Chambers County — not a rule of thumb.
From 1,345 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