Mortgage lending in Waco, TX
5,004 mortgages were originated in the Waco, 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
- 5,004
- Median rate
- 6.625%
- Median lender fees
- $6,514
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
- $235,000
- Above the going rate (spread over APOR)
- 0.334
- Paid discount points
- 42.4%
- Received lender credits
- 18.8%
- Purchases / refinances
- 65% / 25.5%
- Conventional / FHA / VA
- 69.9% / 18.6% / 11%
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 70.8% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Waco, TX area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Rocket Mortgage, LLC | 332 | $6,983 | 6.750% |
| Swbc Mortgage Corporation | 266 | $5,503 | 6.625% |
| United Shore Financial Services, LLC | 245 | $8,559 | 6.249% |
| Fairway Independent Mortgage Corporation | 234 | $5,924 | 6.500% |
| Movement Mortgage, LLC | 167 | $9,176 | 6.625% |
| Central National Bank | 144 | — | — |
| DHI Mortgage Company, Ltd. | 138 | $8,561 | 4.625% |
| Granite Bank | 123 | $6,858 | 6.490% |
| The First National Bank of McGregor | 119 | — | — |
| Alliance Bank Central Texas | 106 | — | — |