Mortgage lending in Dallas County
31,057 mortgages were originated in Dallas 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
- 31,057
- Median rate
- 6.625%
- Median lender fees
- $7,610
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
- $285,000
- Above the going rate (spread over APOR)
- 0.248
- Paid discount points
- 41.1%
- Received lender credits
- 25.2%
- Purchases / refinances
- 60.9% / 28.8%
- Conventional / FHA / VA
- 80.1% / 15.4% / 4.3%
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
- $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 Dallas County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 2,525 | $8,645 | 6.490% |
| Rocket Mortgage, LLC | 1,937 | $6,823 | 6.625% |
| JPMorgan Chase Bank, National Association | 1,064 | $5,238 | 6.375% |
| Credit Union Of Texas | 858 | — | 7.800% |
| Bank of America, National Association | 784 | $4,134 | 6.240% |
| Crosscountry Mortgage, Inc. | 732 | $11,442 | 6.714% |
| Frost Bank | 673 | $95 | 7.720% |
| American Portfolio Mortgage Corporation | 549 | $8,954 | 6.625% |
| CMG Mortgage, Inc. | 505 | $9,110 | 6.625% |
| Everett Financial, Inc. | 482 | $10,912 | 6.750% |
What lenders charged here
Lender fees on a $285,000 loan, based on what was actually charged in Dallas County — not a rule of thumb.
From 23,381 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