Mortgage lending in Killeen-Temple, TX
11,424 mortgages were originated in the Killeen-Temple, 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
- 11,424
- Median rate
- 6.250%
- Median lender fees
- $6,105
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
- $255,000
- Above the going rate (spread over APOR)
- -0.153
- Paid discount points
- 52.3%
- Received lender credits
- 25.8%
- Purchases / refinances
- 67.7% / 24.7%
- Conventional / FHA / VA
- 40% / 13.1% / 46.4%
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 85.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Killeen-Temple, TX area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Fairway Independent Mortgage Corporation | 1,002 | $5,578 | 6.250% |
| DHI Mortgage Company, Ltd. | 1,001 | $8,709 | 4.625% |
| United Shore Financial Services, LLC | 736 | $5,449 | 5.875% |
| Mortgage Research Center, LLC | 634 | $4,968 | 6.250% |
| Rocket Mortgage, LLC | 516 | $5,635 | 6.750% |
| First National Bank Texas | 420 | $7,486 | 6.250% |
| Mortgage Solutions Of Colorado, LLC | 273 | $2,590 | 7.750% |
| CMG Mortgage, Inc. | 265 | $9,782 | 6.000% |
| Navy Federal Credit Union | 257 | $2,669 | 6.250% |
| Cadence Bank | 251 | $6,429 | 6.500% |