Mortgage lending in Williamson County
16,872 mortgages were originated in Williamson 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
- 16,872
- Median rate
- 6.250%
- Median lender fees
- $7,107
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
- $345,000
- Above the going rate (spread over APOR)
- -0.016
- Paid discount points
- 46.3%
- Received lender credits
- 32.3%
- Purchases / refinances
- 68.4% / 23.6%
- Conventional / FHA / VA
- 73.4% / 15.7% / 10.2%
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 88.1% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $571,550
- Median home price
- $467,000
- That home, 20% down
- $373,600
A median-priced home with 20% down leaves $459,150 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 Williamson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 1,850 | $8,273 | 6.125% |
| Rocket Mortgage, LLC | 801 | $6,890 | 6.750% |
| Lennar Mortgage, LLC | 708 | $5,985 | 4.750% |
| CMG Mortgage, Inc. | 478 | $10,265 | 6.000% |
| Velocio Mortgage L.L.C. | 476 | $12,439 | 3.990% |
| Randolph-Brooks Federal Credit Union | 415 | — | 7.000% |
| Pulte Mortgage LLC | 408 | $2,392 | 6.125% |
| Fairway Independent Mortgage Corporation | 388 | $7,391 | 6.490% |
| Kbhs Home Loans, LLC | 367 | $8,161 | 6.250% |
| DHI Mortgage Company, Ltd. | 355 | $7,061 | 4.375% |
What lenders charged here
Lender fees on a $345,000 loan, based on what was actually charged in Williamson County — not a rule of thumb.
From 14,859 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