Mortgage lending in Ellis County
6,165 mortgages were originated in Ellis 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
- 6,165
- Median rate
- 6.375%
- Median lender fees
- $8,758
- Median loan amount
- $335,000
- Median spread over APOR
- 0.128
- Paid discount points
- 55.5%
- Received lender credits
- 28.3%
- Purchases / refinances
- 68.9% / 23.2%
- Conventional / FHA / VA
- 57% / 27.6% / 15.2%
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 86.7% 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 Ellis County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 430 | $10,118 | 6.248% |
| Rocket Mortgage, LLC | 377 | $7,528 | 6.750% |
| DHI MORTGAGE COMPANY, LTD. | 276 | $8,968 | 3.990% |
| CROSSCOUNTRY MORTGAGE, INC. | 214 | $11,396 | 6.412% |
| SFMC, LP | 166 | $13,421 | 5.625% |
| LENNAR MORTGAGE, LLC | 146 | $7,287 | 4.250% |
| Gateway First Bank | 143 | $6,186 | 6.625% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 136 | $8,421 | 5.990% |
| FREEDOM MORTGAGE CORPORATION | 122 | $9,486 | 5.990% |
| GUILD MORTGAGE COMPANY | 118 | $10,422 | 6.500% |
What lenders charged here
Lender fees on a $335,000 loan, based on what was actually charged in Ellis County — not a rule of thumb.
From 5,343 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