Mortgage lending in Taylor County
3,347 mortgages were originated in Taylor 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
- 3,347
- Median rate
- 6.525%
- Median lender fees
- $6,185
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
- $215,000
- Above the going rate (spread over APOR)
- 0.216
- Paid discount points
- 43.7%
- Received lender credits
- 29.8%
- Purchases / refinances
- 73.9% / 18.9%
- Conventional / FHA / VA
- 57.1% / 18.5% / 24.3%
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 80.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $236,000
- That home, 20% down
- $188,800
A median-priced home with 20% down leaves $643,950 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 Taylor County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| First Financial Bank | 787 | $5,218 | 6.750% |
| Primelending, A Plainscapital Company | 245 | $7,118 | 6.490% |
| United Shore Financial Services, LLC | 185 | $6,368 | 6.125% |
| Rocket Mortgage, LLC | 124 | $6,196 | 6.688% |
| Mortgage Research Center, LLC | 110 | $5,669 | 6.250% |
| ABILENE TEACHERS Federal Credit Union | 93 | $954 | 7.100% |
| City Bank | 85 | $6,307 | 6.625% |
| Clear Fork Bank, National Association | 78 | — | — |
| Swbc Mortgage Corporation | 72 | $5,058 | 6.438% |
| DHI Mortgage Company, Ltd. | 70 | $8,905 | 4.990% |
What lenders charged here
Lender fees on a $215,000 loan, based on what was actually charged in Taylor County — not a rule of thumb.
From 2,680 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