Mortgage lending in Montgomery County
19,966 mortgages were originated in Montgomery 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
- 19,966
- Median rate
- 6.375%
- Median lender fees
- $7,430
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
- $275,000
- Above the going rate (spread over APOR)
- 0.043
- Paid discount points
- 50.8%
- Received lender credits
- 28.9%
- Purchases / refinances
- 76.1% / 16%
- Conventional / FHA / VA
- 63.5% / 25% / 10.8%
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 85.7% 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 Montgomery County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,290 | $8,423 | 6.366% |
| Rocket Mortgage, LLC | 1,115 | $6,683 | 6.750% |
| DHI Mortgage Company, Ltd. | 1,005 | $7,822 | 4.500% |
| Lennar Mortgage, LLC | 917 | $6,213 | 4.375% |
| Loandepot.Com, LLC | 566 | $10,144 | 4.990% |
| CMG Mortgage, Inc. | 528 | $9,491 | 6.625% |
| Ark-La-Tex Financial Services, LLC. | 421 | $5,932 | 5.490% |
| Pulte Mortgage LLC | 412 | $4,877 | 5.000% |
| JPMorgan Chase Bank, National Association | 373 | $5,111 | 6.490% |
| Guild Mortgage Company | 317 | $9,812 | 6.500% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Montgomery County — not a rule of thumb.
From 17,108 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