Mortgage lending in Smith County
4,563 mortgages were originated in Smith 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
- 4,563
- Median rate
- 6.750%
- Median lender fees
- $6,175
- Median loan amount
- $225,000
- Median spread over APOR
- 0.406
- Paid discount points
- 36.3%
- Received lender credits
- 22.9%
- Purchases / refinances
- 64.6% / 24.7%
- Conventional / FHA / VA
- 76.1% / 12.8% / 9.5%
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 77.6% 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 Smith County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 355 | $5,512 | 6.500% |
| Rocket Mortgage, LLC | 324 | $6,600 | 6.688% |
| CMG MORTGAGE, INC. | 311 | $7,625 | 6.750% |
| ALTRA Federal Credit Union | 239 | $354 | 6.990% |
| Austin Bank, Texas National Association | 151 | $3,977 | 7.350% |
| 21st Mortgage Corporation | 137 | — | 10.070% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 115 | $7,836 | 6.750% |
| MORTGAGE FINANCIAL SERVICES, LLC | 104 | $9,626 | 6.490% |
| GUILD MORTGAGE COMPANY | 90 | $8,886 | 6.500% |
| Southside Bank | 90 | $5,146 | 6.875% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Smith County — not a rule of thumb.
From 3,541 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