Mortgage lending in Gregg County
1,897 mortgages were originated in Gregg 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
- 1,897
- Median rate
- 6.750%
- Median lender fees
- $6,004
- Median loan amount
- $195,000
- Median spread over APOR
- 0.454
- Paid discount points
- 38.3%
- Received lender credits
- 20.5%
- Purchases / refinances
- 63.8% / 26.3%
- Conventional / FHA / VA
- 70.4% / 20.1% / 8.4%
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 77.8% 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 Gregg County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 161 | $7,472 | 6.499% |
| GUILD MORTGAGE COMPANY | 150 | $8,245 | 6.500% |
| EASTMAN CREDIT UNION | 143 | $4,261 | 6.875% |
| Rocket Mortgage, LLC | 104 | $6,278 | 6.750% |
| EAST TEXAS PROFESSIONAL Credit Union | 102 | — | 6.875% |
| Fairway Independent Mortgage Corporation | 79 | $9,259 | 6.750% |
| Texas Bank and Trust Company | 65 | $3,365 | 6.750% |
| Cadence Bank | 60 | — | 7.000% |
| Austin Bank, Texas National Association | 53 | — | 7.900% |
What lenders charged here
Lender fees on a $195,000 loan, based on what was actually charged in Gregg County — not a rule of thumb.
From 1,476 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