Mortgage lending in Johnson County
5,371 mortgages were originated in Johnson 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
- 5,371
- Median rate
- 6.490%
- Median lender fees
- $8,488
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
- $295,000
- Above the going rate (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
- Median home price
- $479,000
- That home, 20% down
- $383,200
A median-priced home with 20% down leaves $449,550 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 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, 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