Mortgage lending in Texas

526,689 mortgages were originated in Texas in 2025. Here is what they cost — including the lender fees that never show up in an advertised rate.

Loans originated

526,689

Median rate

6.500%

Median lender fees

$7,339

Median loan amount

$275,000

Median spread over APOR

0.192

Paid discount points

45.5%

Received lender credits

27.7%

Purchases / refinances

67.6% / 23.6%

Conventional / FHA / VA

68.2% / 20.2% / 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 81.3% of loans here — see methodology.

Largest lenders in Texas

Ranked by loans originated. The fee column is where lenders differ most — it is the money they charged to make the loan, and it is not part of the interest rate.

Texas year by year

The same measures across every year of filings available. Rates follow the market; fees move for their own reasons.

Counties

111 counties had at least 300 loans in 2025. Smaller counties are left out rather than published from a handful of records.