Mortgage lending in Midland County
4,345 mortgages were originated in Midland 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
- 4,345
- Median rate
- 6.625%
- Median lender fees
- $9,148
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)
- 0.412
- Paid discount points
- 44.9%
- Received lender credits
- 22.1%
- Purchases / refinances
- 79.9% / 15.7%
- Conventional / FHA / VA
- 60.3% / 34.9% / 4.7%
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 82.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $350,000
- That home, 20% down
- $280,000
A median-priced home with 20% down leaves $552,750 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 Midland County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DHI Mortgage Company, Ltd. | 319 | $11,368 | 4.990% |
| Primelending, A Plainscapital Company | 302 | $10,211 | 6.625% |
| Highlands Residential Mortgage, Ltd. | 258 | $11,159 | 6.625% |
| Rocket Mortgage, LLC | 242 | $7,749 | 6.500% |
| 21st Mortgage Corporation | 196 | $8,104 | 10.085% |
| Lrs Financial Network, Inc. | 152 | $6,688 | 6.625% |
| Ark-La-Tex Financial Services, LLC. | 150 | $6,514 | 6.750% |
| Texas Tech Federal Credit Union | 137 | $9,429 | 6.250% |
| United Shore Financial Services, LLC | 124 | $9,404 | 6.125% |
| Securitynational Mortgage Company | 102 | $13,268 | 6.625% |
What lenders charged here
Lender fees on a $295,000 loan, based on what was actually charged in Midland County — not a rule of thumb.
From 3,584 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