Mortgage lending in Tom Green County
2,042 mortgages were originated in Tom Green 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
- 2,042
- Median rate
- 6.607%
- Median lender fees
- $7,268
- Median loan amount
- $225,000
- Median spread over APOR
- 0.376
- Paid discount points
- 44.3%
- Received lender credits
- 23.7%
- Purchases / refinances
- 69.7% / 23%
- Conventional / FHA / VA
- 55.7% / 24.1% / 20%
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 77.2% 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 Tom Green County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| MORTGAGE FINANCIAL SERVICES, LLC | 267 | $7,982 | 6.625% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 212 | $9,009 | 6.500% |
| First Financial Bank | 175 | $6,629 | 6.750% |
| T2 FINANCIAL LLC | 125 | $9,667 | 6.750% |
| Rocket Mortgage, LLC | 111 | $6,604 | 6.500% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 74 | $6,141 | 6.123% |
| Mortgage Research Center, LLC | 63 | $5,693 | 6.250% |
| GUILD MORTGAGE COMPANY | 57 | — | — |
| Citizens State Bank | 55 | — | — |
| 1ST COMMUNITY FEDERAL CREDIT UNION | 55 | $923 | 7.340% |
What lenders charged here
Lender fees on a $225,000 loan, based on what was actually charged in Tom Green County — not a rule of thumb.
From 1,576 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