Mortgage lending in Kendall County
1,306 mortgages were originated in Kendall 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
- 1,306
- Median rate
- 6.375%
- Median lender fees
- $7,693
- Median loan amount
- $405,000
- Median spread over APOR
- -0.031
- Paid discount points
- 51.1%
- Received lender credits
- 33%
- Purchases / refinances
- 68.4% / 23.3%
- Conventional / FHA / VA
- 73.3% / 10.5% / 15.9%
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 87.4% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $557,750
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 Kendall County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| PULTE MORTGAGE LLC | 99 | $2,189 | 4.990% |
| Rocket Mortgage, LLC | 84 | $5,965 | 6.750% |
| KBHS HOME LOANS, LLC | 71 | $8,741 | 5.875% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 70 | $2,072 | 6.750% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 63 | $8,816 | 6.300% |
What lenders charged here
Lender fees on a $405,000 loan, based on what was actually charged in Kendall County — not a rule of thumb.
From 1,142 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