Mortgage lending in Hays County
7,164 mortgages were originated in Hays 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
- 7,164
- Median rate
- 6.125%
- Median lender fees
- $7,493
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
- $305,000
- Above the going rate (spread over APOR)
- -0.140
- Paid discount points
- 48.8%
- Received lender credits
- 28.7%
- Purchases / refinances
- 74% / 19%
- Conventional / FHA / VA
- 65.4% / 22.9% / 9.6%
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 87.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $571,550
- Median home price
- $467,000
- That home, 20% down
- $373,600
A median-priced home with 20% down leaves $459,150 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 Hays County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DHI Mortgage Company, Ltd. | 644 | $8,720 | 4.500% |
| Lennar Mortgage, LLC | 419 | $7,124 | 4.750% |
| United Shore Financial Services, LLC | 416 | $8,688 | 6.322% |
| CMG Mortgage, Inc. | 349 | $10,964 | 5.990% |
| Randolph-Brooks Federal Credit Union | 346 | $34 | 7.000% |
| Rocket Mortgage, LLC | 277 | $6,543 | 6.750% |
| Velocio Mortgage L.L.C. | 225 | $11,267 | 3.990% |
| Loandepot.Com, LLC | 197 | $9,380 | 5.125% |
| Pulte Mortgage LLC | 128 | $3,736 | 5.250% |
| Frost Bank | 113 | $95 | 7.350% |
What lenders charged here
Lender fees on a $305,000 loan, based on what was actually charged in Hays County — not a rule of thumb.
From 6,266 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