Mortgage lending in Houston-Pasadena-The Woodlands, TX
123,414 mortgages were originated in the Houston-Pasadena-The Woodlands, 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
- 123,414
- Median rate
- 6.500%
- Median lender fees
- $7,543
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
- $275,000
- Above the going rate (spread over APOR)
- 0.181
- Paid discount points
- 48.3%
- Received lender credits
- 27.8%
- Purchases / refinances
- 71.1% / 20%
- Conventional / FHA / VA
- 70.2% / 21.9% / 7.5%
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 83.1% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Houston-Pasadena-The Woodlands, TX area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| United Shore Financial Services, LLC | 11,635 | $8,479 | 6.459% |
| Rocket Mortgage, LLC | 8,080 | $6,705 | 6.625% |
| Lennar Mortgage, LLC | 4,574 | $7,175 | 4.375% |
| DHI Mortgage Company, Ltd. | 3,996 | $8,561 | 4.500% |
| JPMorgan Chase Bank, National Association | 2,984 | $5,167 | 6.490% |
| CMG Mortgage, Inc. | 2,610 | $10,264 | 6.625% |
| Loandepot.Com, LLC | 2,364 | $9,988 | 5.990% |
| Broker Solutions, Inc. | 2,271 | $9,384 | 6.750% |
| Bank of America, National Association | 1,834 | $4,290 | 6.240% |
| Cadence Bank | 1,606 | $7,957 | 6.250% |