Mortgage lending in Guadalupe County
5,657 mortgages were originated in Guadalupe 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
- 5,657
- Median rate
- 5.990%
- Median lender fees
- $6,960
- Median loan amount
- $255,000
- Median spread over APOR
- -0.345
- Paid discount points
- 51.7%
- Received lender credits
- 28.6%
- Purchases / refinances
- 74.7% / 21%
- Conventional / FHA / VA
- 44.6% / 28.8% / 25.5%
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 88.3% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $557,750
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 Guadalupe County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| LENNAR MORTGAGE, LLC | 854 | $6,949 | 4.625% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 496 | — | 6.750% |
| DHI MORTGAGE COMPANY, LTD. | 344 | $8,483 | 3.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 260 | $6,773 | 5.999% |
| Rocket Mortgage, LLC | 190 | $5,535 | 6.933% |
| PULTE MORTGAGE LLC | 175 | $4,925 | 4.750% |
| Mortgage Research Center, LLC | 105 | $4,500 | 5.990% |
| M/I FINANCIAL, LLC | 97 | $16,007 | 4.875% |
| GUILD MORTGAGE COMPANY | 97 | $10,296 | 6.125% |
| Loandepot.Com, LLC | 87 | $11,465 | 4.990% |
What lenders charged here
Lender fees on a $255,000 loan, based on what was actually charged in Guadalupe County — not a rule of thumb.
From 4,993 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