Mortgage lending in Laredo, TX
2,900 mortgages were originated in the Laredo, 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
- 2,900
- Median rate
- 6.490%
- Median lender fees
- $9,805
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
- $225,000
- Above the going rate (spread over APOR)
- 0.390
- Paid discount points
- 51.1%
- Received lender credits
- 21.2%
- Purchases / refinances
- 77% / 15.3%
- Conventional / FHA / VA
- 49.6% / 42.8% / 6.5%
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 79.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Laredo, TX area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Primelending, A Plainscapital Company | 410 | $10,033 | 6.375% |
| United Shore Financial Services, LLC | 204 | $10,391 | 6.125% |
| Freedom Mortgage Corporation | 163 | $13,454 | 5.875% |
| Rocket Mortgage, LLC | 146 | $6,298 | 6.875% |
| CMG Mortgage, Inc. | 114 | $11,112 | 6.625% |
| First Option Mortgage, LLC | 111 | $10,755 | 6.125% |
| Mortgage Financial Services, LLC | 105 | $12,672 | 6.124% |
| Broker Solutions, Inc. | 83 | $10,285 | 6.250% |
| Guaranteed Rate, Inc. | 80 | — | 6.412% |
| PNC Bank, National Association | 75 | — | 7.960% |