Mortgage lending in Harrison County
1,057 mortgages were originated in Harrison 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
- 1,057
- Median rate
- 6.875%
- Median lender fees
- $6,395
- Median loan amount
- $185,000
- Median spread over APOR
- 0.600
- Paid discount points
- 36.4%
- Received lender credits
- 21.1%
- Purchases / refinances
- 63.3% / 25.9%
- Conventional / FHA / VA
- 73.8% / 16.7% / 8.8%
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 73.5% 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 Harrison County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| EASTMAN CREDIT UNION | 81 | $3,922 | 7.125% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 69 | $8,981 | 6.398% |
| Rocket Mortgage, LLC | 68 | $6,634 | 6.990% |
| GUILD MORTGAGE COMPANY | 64 | $7,965 | 6.625% |
| Cadence Bank | 53 | — | 7.250% |
| EAST TEXAS PROFESSIONAL Credit Union | 51 | $982 | 6.875% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Harrison County — not a rule of thumb.
From 777 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