Mortgage lending in Rusk County
789 mortgages were originated in Rusk 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
- 789
- Median rate
- 6.875%
- Median lender fees
- $5,900
- Median loan amount
- $185,000
- Median spread over APOR
- 0.674
- Paid discount points
- 33.3%
- Received lender credits
- 18.8%
- Purchases / refinances
- 68.4% / 22.7%
- Conventional / FHA / VA
- 72.2% / 17.2% / 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 71.5% 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 Rusk County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 55 | $6,636 | 6.250% |
| Rocket Mortgage, LLC | 51 | $5,637 | 6.625% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Rusk County — not a rule of thumb.
From 564 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