Mortgage lending in Guadalupe County
5,657 mortgages were originated in Guadalupe 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
- 5,657
- Median rate
- 5.990%
- Median lender fees
- $6,960
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
- $255,000
- Above the going rate (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
- Median home price
- $469,000
- That home, 20% down
- $375,200
A median-priced home with 20% down leaves $457,550 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 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% |
| Guild Mortgage Company | 97 | $10,296 | 6.125% |
| M/I Financial, LLC | 97 | $16,007 | 4.875% |
| 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, 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