Mortgage lending in Nueces County
5,792 mortgages were originated in Nueces 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
- 5,792
- Median rate
- 6.500%
- Median lender fees
- $6,450
- Median loan amount
- $225,000
- Median spread over APOR
- 0.165
- Paid discount points
- 41%
- Received lender credits
- 24.1%
- Purchases / refinances
- 65.5% / 27.5%
- Conventional / FHA / VA
- 62.6% / 22.4% / 14.9%
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 79.8% 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 Nueces County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| RALLY CREDIT UNION | 529 | $3,158 | 6.625% |
| DHI MORTGAGE COMPANY, LTD. | 378 | $8,498 | 4.990% |
| LENNAR MORTGAGE, LLC | 370 | $7,858 | 4.625% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 342 | $8,654 | 6.125% |
| Rocket Mortgage, LLC | 270 | $5,961 | 6.990% |
| Simmons Bank | 197 | — | 8.000% |
| CROSSCOUNTRY MORTGAGE, INC. | 170 | $10,995 | 6.750% |
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 159 | $34 | 6.875% |
| American Bank, National Association | 128 | $3,101 | 6.188% |
| Mortgage Research Center, LLC | 121 | $4,246 | 6.250% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Nueces County — not a rule of thumb.
From 4,622 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