Mortgage lending in Johnson County
5,371 mortgages were originated in Johnson 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
- 5,371
- Median rate
- 6.490%
- Median lender fees
- $8,488
- Median loan amount
- $295,000
- Median spread over APOR
- 0.179
- Paid discount points
- 52.7%
- Received lender credits
- 30.1%
- Purchases / refinances
- 71% / 20.9%
- Conventional / FHA / VA
- 58% / 27.6% / 13.8%
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 85.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $563,500
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 Johnson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 380 | $9,761 | 6.125% |
| Rocket Mortgage, LLC | 322 | $7,406 | 6.500% |
| DHI MORTGAGE COMPANY, LTD. | 292 | $8,679 | 4.500% |
| SFMC, LP | 229 | $11,957 | 5.750% |
| CROSSCOUNTRY MORTGAGE, INC. | 151 | $11,348 | 6.450% |
| Fairway Independent Mortgage Corporation | 143 | $8,869 | 6.625% |
| Loandepot.Com, LLC | 138 | $9,302 | 5.990% |
| GUILD MORTGAGE COMPANY | 119 | $10,641 | 6.500% |
| CMG MORTGAGE, INC. | 109 | $11,964 | 6.125% |
| First Financial Bank | 101 | $4,754 | 6.900% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Johnson County — not a rule of thumb.
From 4,576 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