Mortgage lending in Galveston County
7,839 mortgages were originated in Galveston 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
- 7,839
- Median rate
- 6.500%
- Median lender fees
- $7,278
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
- $275,000
- Above the going rate (spread over APOR)
- 0.216
- Paid discount points
- 49.4%
- Received lender credits
- 25.7%
- Purchases / refinances
- 68.2% / 22.2%
- Conventional / FHA / VA
- 67.8% / 21.1% / 10.7%
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 83.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $375,000
- That home, 20% down
- $300,000
A median-priced home with 20% down leaves $532,750 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 Galveston County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 556 | $8,012 | 6.452% |
| Rocket Mortgage, LLC | 514 | $6,726 | 6.625% |
| Lennar Mortgage, LLC | 302 | $7,590 | 4.250% |
| Amoco | 257 | $4,764 | 6.375% |
| JSC Federal Credit Union | 222 | $190 | 6.250% |
| CMG Mortgage, Inc. | 209 | $8,819 | 6.750% |
| DHI Mortgage Company, Ltd. | 191 | $8,979 | 4.500% |
| Loandepot.Com, LLC | 179 | $11,046 | 4.990% |
| Network Funding, L.P. | 153 | $6,417 | 6.875% |
| K. Hovnanian American Mortgage, L.L.C. | 123 | $9,534 | 5.875% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Galveston County — not a rule of thumb.
From 6,540 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