Mortgage lending in McLennan County
4,509 mortgages were originated in McLennan 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
- 4,509
- Median rate
- 6.625%
- Median lender fees
- $6,516
- Median loan amount
- $235,000
- Median spread over APOR
- 0.316
- Paid discount points
- 42.8%
- Received lender credits
- 18.5%
- Purchases / refinances
- 65.5% / 25.2%
- Conventional / FHA / VA
- 69.5% / 19.2% / 11%
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 71.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
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 McLennan County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 299 | $6,970 | 6.750% |
| SWBC MORTGAGE CORPORATION | 251 | $5,648 | 6.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 215 | $8,744 | 6.139% |
| Fairway Independent Mortgage Corporation | 214 | $5,809 | 6.625% |
| MOVEMENT MORTGAGE, LLC | 159 | $9,215 | 6.625% |
| Central National Bank | 140 | — | — |
| DHI MORTGAGE COMPANY, LTD. | 138 | $8,561 | 4.625% |
| Granite Bank | 116 | $6,870 | 6.490% |
| The First National Bank of McGregor | 111 | — | — |
| Alliance Bank Central Texas | 104 | — | — |
What lenders charged here
Lender fees on a $235,000 loan, based on what was actually charged in McLennan County — not a rule of thumb.
From 3,204 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