Mortgage lending in Midland, TX
4,503 mortgages were originated in the Midland, 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
- 4,503
- Median rate
- 6.625%
- Median lender fees
- $9,123
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
- $285,000
- Above the going rate (spread over APOR)
- 0.434
- Paid discount points
- 44.4%
- Received lender credits
- 22.1%
- Purchases / refinances
- 80.1% / 15.5%
- Conventional / FHA / VA
- 61% / 34.2% / 4.8%
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 81.4% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Midland, TX area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| DHI Mortgage Company, Ltd. | 319 | $11,368 | 4.990% |
| Primelending, A Plainscapital Company | 312 | $10,096 | 6.625% |
| Highlands Residential Mortgage, Ltd. | 260 | $11,159 | 6.625% |
| Rocket Mortgage, LLC | 253 | $7,685 | 6.500% |
| 21st Mortgage Corporation | 238 | $8,104 | 9.965% |
| Lrs Financial Network, Inc. | 152 | $6,688 | 6.625% |
| Ark-La-Tex Financial Services, LLC. | 152 | $6,529 | 6.750% |
| Texas Tech Federal Credit Union | 137 | $9,429 | 6.250% |
| United Shore Financial Services, LLC | 129 | $9,548 | 6.125% |
| Securitynational Mortgage Company | 103 | $13,223 | 6.625% |