Mortgage lending in Grayson County
3,989 mortgages were originated in Grayson 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
- 3,989
- Median rate
- 6.575%
- Median lender fees
- $7,479
- Median loan amount
- $255,000
- Median spread over APOR
- 0.249
- Paid discount points
- 46.3%
- Received lender credits
- 26.1%
- Purchases / refinances
- 66.5% / 24.7%
- Conventional / FHA / VA
- 69.9% / 19.2% / 10.4%
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 77.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 Grayson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 243 | $8,745 | 6.250% |
| First United Bank and Trust Company | 235 | $5,784 | 7.125% |
| GUILD MORTGAGE COMPANY | 216 | $9,100 | 6.625% |
| Rocket Mortgage, LLC | 210 | $6,058 | 6.875% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 138 | $7,765 | 5.250% |
| LENNAR MORTGAGE, LLC | 132 | $4,267 | 4.813% |
| DHI MORTGAGE COMPANY, LTD. | 116 | $8,617 | 3.990% |
| K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. | 105 | $7,591 | 6.625% |
| Loandepot.Com, LLC | 67 | $7,295 | 6.250% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 66 | $8,185 | 6.750% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Grayson County — not a rule of thumb.
From 3,086 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