Mortgage lending in Jefferson County
3,157 mortgages were originated in Jefferson 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
- 3,157
- Median rate
- 6.625%
- Median lender fees
- $7,349
- Median loan amount
- $175,000
- Median spread over APOR
- 0.436
- Paid discount points
- 39.4%
- Received lender credits
- 17%
- Purchases / refinances
- 62.2% / 26.8%
- Conventional / FHA / VA
- 68.3% / 25.2% / 6.2%
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 65.3% 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 Jefferson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Neches Federal Credit Union | 299 | $6,095 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 275 | $7,647 | 6.500% |
| FIVEPOINT CREDIT UNION | 178 | — | — |
| Rocket Mortgage, LLC | 167 | $6,165 | 6.875% |
| GUILD MORTGAGE COMPANY | 138 | $9,111 | 6.563% |
| DUGOOD FEDERAL CREDIT UNION | 119 | — | — |
| Broker Solutions, Inc. | 118 | $9,282 | 6.625% |
| First Financial Bank | 108 | — | 6.925% |
| RAVE FINANCIAL CREDIT UNION | 80 | $275 | 5.875% |
| CROSSCOUNTRY MORTGAGE, INC. | 73 | $9,672 | 6.750% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Jefferson County — not a rule of thumb.
From 2,061 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