Mortgage lending in Ellis County
6,165 mortgages were originated in Ellis 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
- 6,165
- Median rate
- 6.375%
- Median lender fees
- $8,758
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
- $335,000
- Above the going rate (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
- 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 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, 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