Mortgage lending in Wilson County
1,214 mortgages were originated in Wilson 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
- 1,214
- Median rate
- 6.500%
- Median lender fees
- $7,128
- Median loan amount
- $275,000
- Median spread over APOR
- 0.208
- Paid discount points
- 45.9%
- Received lender credits
- 25.6%
- Purchases / refinances
- 58.5% / 34.7%
- Conventional / FHA / VA
- 59.7% / 13.9% / 26.1%
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 84.2% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $557,750
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 Wilson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| RANDOLPH-BROOKS FEDERAL CREDIT UNION | 176 | $34 | 6.938% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 88 | $8,347 | 5.745% |
| Rocket Mortgage, LLC | 63 | $6,985 | 6.990% |
| 21st Mortgage Corporation | 60 | — | 9.445% |
| LENNAR MORTGAGE, LLC | 56 | $7,116 | 4.688% |
What lenders charged here
Lender fees on a $275,000 loan, based on what was actually charged in Wilson County — not a rule of thumb.
From 1,022 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