Mortgage lending in Denton County
25,930 mortgages were originated in Denton 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
- 25,930
- Median rate
- 6.375%
- Median lender fees
- $7,748
- Median loan amount
- $365,000
- Median spread over APOR
- 0.078
- Paid discount points
- 44.3%
- Received lender credits
- 34.4%
- Purchases / refinances
- 63.8% / 27.8%
- Conventional / FHA / VA
- 77.7% / 15% / 7.1%
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 85.6% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $563,500
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 Denton County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 3,396 | $8,787 | 6.125% |
| Rocket Mortgage, LLC | 1,427 | $6,711 | 6.625% |
| DHI MORTGAGE COMPANY, LTD. | 1,352 | $9,302 | 4.500% |
| LENNAR MORTGAGE, LLC | 1,139 | $4,560 | 4.625% |
| CROSSCOUNTRY MORTGAGE, INC. | 572 | $11,036 | 6.750% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 510 | $8,694 | 5.990% |
| JPMorgan Chase Bank, National Association | 495 | $4,859 | 6.375% |
| Bank of America, National Association | 464 | $5,996 | 6.240% |
| Frost Bank | 458 | $95 | 7.760% |
| PENNYMAC LOAN SERVICES, LLC | 427 | $6,964 | 6.490% |
What lenders charged here
Lender fees on a $365,000 loan, based on what was actually charged in Denton County — not a rule of thumb.
From 22,209 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