What people paid for mortgages in Bell County, TX (2025)
Across 5,871 closed home-purchase loans in 2025, the median interest rate in Bell was 6%, and the middle half of borrowers got between 5.25% and 6.625%. Median total loan costs ran $6,990 on a median loan of $285,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6%
- Middle half of rates
- 5.25%–6.625%
- Median total loan costs
- $6,990
- Median loan amount
- $285,000
5,871 loans, 2025.
Refinance
- Median rate
- 5.99%
- Middle half of rates
- 5.625%–6.625%
- Median total loan costs
- $5,458
- Median loan amount
- $275,000
1,731 loans, 2025.
Lowest median rates in Bell (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.LENNAR MORTGAGE, LLC4.5%90 loans, median costs $7,077
- 2.DHI MORTGAGE COMPANY, LTD.4.75%855 loans, median costs $8,520
- 3.PULTE MORTGAGE LLC4.75%34 loans, median costs $6,159
- 4.Kangaroo Home Lending, LLC4.99%175 loans, median costs $7,526
- 5.CORNERSTONE CAPITAL BANK, SSB5.25%103 loans, median costs $7,912
Among lenders with at least 30 closed purchase loans in Bell County in 2025.
Refinance
- 1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%353 loans, median costs $4,970
- 2.PENNYMAC LOAN SERVICES, LLC5.75%92 loans, median costs $6,491
- 3.VILLAGE CAPITAL & INVESTMENT LLC5.75%41 loans, median costs $5,270
- 4.Mortgage Research Center, LLC5.875%54 loans, median costs $3,821
- 5.MORTGAGE SOLUTIONS OF COLORADO, LLC5.938%52 loans, median costs $6,893
Among lenders with at least 30 closed refinance loans in Bell County in 2025.
Lender by lender in Bell
Every lender that closed at least 5 qualifying loans in Bell County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | DHI MORTGAGE COMPANY, LTD. | 855 | 4.75% | $8,520 | $0 | $3,539 |
| 2 | Fairway Independent Mortgage Corporation | 760 | 6.25% | $5,336 | $0 | $3,812 |
| 3 | Mortgage Research Center, LLC | 464 | 6.25% | $5,477 | $0 | $1,894 |
| 4 | First National Bank Texas | 299 | 6.125% | $7,802 | $1,810 | $3,063 |
| 5 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 225 | 6.125% | $6,745 | $574 | $2,501 |
| 6 | MORTGAGE SOLUTIONS OF COLORADO, LLC | 188 | 7.75% | $955 | $0 | $4,123 |
| 7 | Kangaroo Home Lending, LLC | 175 | 4.99% | $7,526 | $0 | $3,158 |
| 8 | CMG MORTGAGE, INC. | 162 | 5.99% | $10,258 | $2,186 | $3,473 |
| 9 | SWBC MORTGAGE CORPORATION | 144 | 5.933% | $4,670 | $0 | $6,738 |
| 10 | Spark Mortgage | 138 | 5.49% | $4,334 | $0 | $3,146 |
| 11 | Navy Federal Credit Union | 113 | 6% | $6,336 | $0 | $1,936 |
| 12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 111 | 6.125% | $5,389 | $0 | $3,603 |
| 13 | Cadence Bank | 108 | 5.875% | $8,281 | $4,257 | $3,512 |
| 14 | CORNERSTONE CAPITAL BANK, SSB | 103 | 5.25% | $7,912 | $0 | $1,647 |
| 15 | LENNAR MORTGAGE, LLC | 90 | 4.5% | $7,077 | $1,550 | $4,285 |
| 16 | Rocket Mortgage, LLC | 85 | 6.49% | $7,889 | $3,000 | $2,724 |
| 17 | Extraco Banks, National Association | 72 | 6.375% | $4,964 | $1,656 | $1,546 |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 72 | 6.25% | $6,105 | $7 | $3,333 |
| 19 | 21st Mortgage Corporation | 62 | 9.89% | $7,611 | $4,500 | n/a |
| 20 | FIRST CONTINENTAL MORTGAGE, LTD. | 59 | 5.49% | $4,499 | $0 | $3,146 |
| 21 | Broker Solutions, Inc. | 54 | 6.312% | $11,650 | $5,076 | $3,473 |
| 22 | NEWREZ LLC | 53 | 6.125% | $8,458 | $1,100 | $1,978 |
| 23 | GUILD MORTGAGE COMPANY | 49 | 6.375% | $10,343 | $3,490 | $3,099 |
| 24 | PLAZA HOME MORTGAGE, INC.broker only | 48 | 6.375% | $9,419 | $2,207 | $2,642 |
| 25 | Central National Bank | 45 | n/a | n/a | n/a | n/a |
| 26 | USAA Federal Savings Bank | 41 | 6.125% | $8,595 | $1,906 | $3,884 |
| 27 | FREEDOM MORTGAGE CORPORATION | 38 | 5.875% | $8,799 | $3,252 | $2,222 |
| 28 | MUTUAL OF OMAHA MORTGAGE, INC. | 38 | 6.625% | $5,929 | $1,187 | $1,366 |
| 29 | PULTE MORTGAGE LLC | 34 | 4.75% | $6,159 | $0 | $9,586 |
| 30 | VANDERBILT MORTGAGE AND FINANCE, INC. | 32 | 10.75% | $7,728 | $3,748 | $955 |
| 31 | AMERICAN PACIFIC MORTGAGE CORPORATION | 29 | 6% | $11,504 | $3,516 | $7,326 |
| 32 | TEXELL Credit Union | 28 | 6.5% | $4,460 | $1,098 | n/a |
| 33 | Equity Prime Mortgage LLC | 27 | 6.625% | $9,726 | $3,554 | $3,287 |
| 34 | JPMorgan Chase Bank, National Association | 27 | 6.375% | $5,276 | $1,845 | $1,674 |
| 35 | LEADERONE FINANCIAL CORPORATION | 26 | 5.995% | $4,744 | $0 | $4,296 |
| 36 | Wolfe Financial, Inc | 26 | 6.562% | $6,320 | $1,269 | $1,362 |
| 37 | GUARANTEED RATE, INC. | 25 | 6.25% | $5,219 | $0 | $1,047 |
| 38 | PENNYMAC LOAN SERVICES, LLC | 25 | 6.125% | $8,505 | $1,548 | $2,383 |
| 39 | Gateway First Bank | 24 | 6.25% | $7,876 | $3,422 | $2,978 |
| 40 | KIND LENDING, LLC | 24 | 6.25% | $6,463 | $1,029 | $1,385 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Bell figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Bell County in 2025?
The median interest rate on closed home-purchase loans in Bell County, Texas in 2025 was 6%, across 5,871 first-lien, owner-occupied loans. The middle half of borrowers got between 5.25% and 6.625%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.