Mortgage lending in Collin County
31,208 mortgages were originated in Collin 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
- 31,208
- Median rate
- 6.375%
- Median lender fees
- $7,722
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
- $375,000
- Above the going rate (spread over APOR)
- 0.049
- Paid discount points
- 41.9%
- Received lender credits
- 34.9%
- Purchases / refinances
- 63.8% / 28.5%
- Conventional / FHA / VA
- 80.3% / 13.9% / 5.4%
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 84.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $563,500
- Median home price
- $479,000
- That home, 20% down
- $383,200
A median-priced home with 20% down leaves $449,550 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 Collin County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 4,522 | $9,053 | 6.125% |
| Rocket Mortgage, LLC | 1,595 | $6,349 | 6.625% |
| DHI Mortgage Company, Ltd. | 1,522 | $8,182 | 3.990% |
| Lennar Mortgage, LLC | 1,203 | $4,386 | 4.625% |
| Loandepot.Com, LLC | 1,023 | $9,188 | 4.990% |
| JPMorgan Chase Bank, National Association | 639 | $4,009 | 6.365% |
| Crosscountry Mortgage, Inc. | 619 | $11,938 | 6.650% |
| Bank of America, National Association | 600 | $4,897 | 6.000% |
| Pennymac Loan Services, LLC | 551 | $7,390 | 6.375% |
| Frost Bank | 525 | $95 | 7.750% |
What lenders charged here
Lender fees on a $375,000 loan, based on what was actually charged in Collin County — not a rule of thumb.
From 26,327 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