Mortgage lending in Liberty County
2,186 mortgages were originated in Liberty 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
- 2,186
- Median rate
- 6.750%
- Median lender fees
- $8,397
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
- $215,000
- Above the going rate (spread over APOR)
- 0.645
- Paid discount points
- 41.9%
- Received lender credits
- 24.7%
- Purchases / refinances
- 81% / 14.8%
- Conventional / FHA / VA
- 60.8% / 29.3% / 8.7%
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 69.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $375,000
- That home, 20% down
- $300,000
A median-priced home with 20% down leaves $532,750 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 Liberty County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| 21st Mortgage Corporation | 255 | — | 10.390% |
| United Shore Financial Services, LLC | 183 | $10,392 | 6.249% |
| Vanderbilt Mortgage And Finance, Inc. | 169 | — | 10.500% |
| Rocket Mortgage, LLC | 109 | $6,828 | 6.750% |
| DHI Mortgage Company, Ltd. | 91 | $8,919 | 4.250% |
| Triad Financial Services, Inc. | 72 | — | 9.560% |
| K. Hovnanian American Mortgage, L.L.C. | 60 | $10,117 | 5.688% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Liberty County — not a rule of thumb.
From 1,510 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