Mortgage lending in Victoria, TX
1,163 mortgages were originated in the Victoria, TX area in 2025, and here is what they cost.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,163
- Median rate
- 6.625%
- Median lender fees
- $6,393
- Median loan amount
- $205,000
- Median spread over APOR
- 0.450
- Paid discount points
- 48.2%
- Received lender credits
- 29%
- Purchases / refinances
- 71.4% / 20.5%
- Conventional / FHA / VA
- 66.4% / 22% / 11.4%
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 81% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Victoria, TX area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| TEXAS DOW EMPLOYEES CREDIT UNION | 132 | $3,647 | 7.188% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 91 | $8,337 | 6.249% |
| Rocket Mortgage, LLC | 76 | $6,987 | 6.625% |
| Prosperity Bank | 68 | — | 7.063% |
| UNION HOME MORTGAGE CORP. | 66 | $8,338 | 6.500% |