Mortgage lending in Rockwall County
3,617 mortgages were originated in Rockwall 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
- 3,617
- Median rate
- 6.375%
- Median lender fees
- $8,026
- Median loan amount
- $345,000
- Median spread over APOR
- 0.042
- Paid discount points
- 52%
- Received lender credits
- 32.4%
- Purchases / refinances
- 69.2% / 22.3%
- Conventional / FHA / VA
- 69.7% / 18% / 12.1%
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 85.5% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $563,500
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 Rockwall County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 238 | $9,634 | 6.361% |
| DHI MORTGAGE COMPANY, LTD. | 232 | $8,740 | 4.500% |
| Rocket Mortgage, LLC | 201 | $7,461 | 6.750% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 124 | $8,879 | 5.313% |
| CROSSCOUNTRY MORTGAGE, INC. | 114 | $10,064 | 6.625% |
| PRIORITY HOME MORTGAGE, L.P. | 88 | $3,326 | 5.490% |
| PENNYMAC LOAN SERVICES, LLC | 84 | $7,713 | 6.250% |
| CREDIT UNION OF TEXAS | 83 | — | 7.600% |
| Frost Bank | 68 | — | 7.725% |
| SFMC, LP | 65 | $12,950 | 5.990% |
What lenders charged here
Lender fees on a $345,000 loan, based on what was actually charged in Rockwall County — not a rule of thumb.
From 3,092 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