Mortgage lending in Kaufman County
5,876 mortgages were originated in Kaufman 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
- 5,876
- Median rate
- 6.125%
- Median lender fees
- $8,141
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
- $275,000
- Above the going rate (spread over APOR)
- -0.056
- Paid discount points
- 53.8%
- Received lender credits
- 28.5%
- Purchases / refinances
- 79.5% / 15.9%
- Conventional / FHA / VA
- 48.3% / 38.8% / 12%
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 87.2% 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 Kaufman County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Lennar Mortgage, LLC | 572 | $6,543 | 4.500% |
| DHI Mortgage Company, Ltd. | 554 | $8,109 | 3.990% |
| United Shore Financial Services, LLC | 343 | $8,696 | 6.125% |
| Rocket Mortgage, LLC | 268 | $7,529 | 6.500% |
| Velocio Mortgage L.L.C. | 143 | $10,895 | 4.990% |
| Crosscountry Mortgage, Inc. | 131 | $12,570 | 6.575% |
| Loandepot.Com, LLC | 102 | $10,267 | 5.875% |
| American Portfolio Mortgage Corporation | 97 | $9,247 | 6.500% |
| Sfmc, LP | 94 | $13,176 | 6.000% |
| Primelending, A Plainscapital Company | 92 | $10,569 | 5.490% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Kaufman County — not a rule of thumb.
From 5,124 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