Mortgage lending in Austin-Round Rock-San Marcos, TX
47,497 mortgages were originated in the Austin-Round Rock-San Marcos, TX area in 2025, and here is what they cost.
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
- 47,497
- Median rate
- 6.375%
- Median lender fees
- $7,359
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)
- 0.009
- Paid discount points
- 43.5%
- Received lender credits
- 30.3%
- Purchases / refinances
- 69% / 22.4%
- Conventional / FHA / VA
- 76.4% / 15% / 7.7%
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 84.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Austin-Round Rock-San Marcos, TX area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 3,955 | $8,565 | 6.125% |
| Rocket Mortgage, LLC | 2,126 | $6,936 | 6.625% |
| CMG Mortgage, Inc. | 1,972 | $10,450 | 6.125% |
| DHI Mortgage Company, Ltd. | 1,576 | $8,661 | 4.500% |
| Randolph-Brooks Federal Credit Union | 1,473 | $34 | 7.000% |
| Lennar Mortgage, LLC | 1,324 | $6,466 | 4.750% |
| UNIVERSITY Federal Credit Union | 1,008 | $5,630 | 6.625% |
| Velocio Mortgage L.L.C. | 948 | $12,073 | 3.990% |
| Fairway Independent Mortgage Corporation | 914 | $7,914 | 6.495% |
| Taylor Morrison Home Funding, Inc. | 882 | $5,659 | 5.375% |