Mortgage lending in Midland County
4,345 mortgages were originated in Midland 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
- 4,345
- Median rate
- 6.625%
- Median lender fees
- $9,148
- Median loan amount
- $295,000
- Median 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
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 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, escrow and taxes are extra and are not in these figures. Compare two offers