Mortgage lending in Harris County
62,628 mortgages were originated in Harris 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
- 62,628
- Median rate
- 6.500%
- Median lender fees
- $7,442
- Median loan amount
- $265,000
- Median spread over APOR
- 0.222
- Paid discount points
- 46.9%
- Received lender credits
- 27.1%
- Purchases / refinances
- 69.1% / 21.5%
- Conventional / FHA / VA
- 73.1% / 20.6% / 5.9%
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 82.3% 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 Harris County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 6,322 | $8,543 | 6.490% |
| Rocket Mortgage, LLC | 4,343 | $6,729 | 6.625% |
| LENNAR MORTGAGE, LLC | 2,263 | $7,153 | 4.375% |
| JPMorgan Chase Bank, National Association | 1,940 | $5,233 | 6.490% |
| Broker Solutions, Inc. | 1,451 | $9,365 | 6.750% |
| CMG MORTGAGE, INC. | 1,318 | $10,439 | 6.625% |
| Bank of America, National Association | 1,092 | $4,090 | 6.240% |
| DHI MORTGAGE COMPANY, LTD. | 1,059 | $8,463 | 4.875% |
| Cadence Bank | 1,030 | $7,731 | 6.250% |
| Loandepot.Com, LLC | 936 | $9,012 | 6.375% |
What lenders charged here
Lender fees on a $265,000 loan, based on what was actually charged in Harris County — not a rule of thumb.
From 51,516 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