What people paid for mortgages in Denton County, TX (2025)
Across 14,786 closed home-purchase loans in 2025, the median interest rate in Denton was 6.125%, and the middle half of borrowers got between 5.375% and 6.75%. Median total loan costs ran $8,620 on a median loan of $395,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.125%
- Middle half of rates
- 5.375%–6.75%
- Median total loan costs
- $8,620
- Median loan amount
- $395,000
14,786 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.875%–6.75%
- Median total loan costs
- $7,675
- Median loan amount
- $445,000
5,561 loans, 2025.
Lowest median rates in Denton (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, LLC4.375%846 loans, median costs $7,855
- 2.DHI MORTGAGE COMPANY, LTD.4.5%1,268 loans, median costs $9,322
- 3.Loandepot.Com, LLC4.99%243 loans, median costs $10,214
- 4.VELOCIO MORTGAGE L.L.C.4.99%74 loans, median costs $11,799
- 5.PULTE MORTGAGE LLC5.125%253 loans, median costs $4,771
Among lenders with at least 30 closed purchase loans in Denton County in 2025.
Refinance
- 1.VILLAGE CAPITAL & INVESTMENT LLC5.75%41 loans, median costs $7,595
- 2.PROVIDENT FUNDING ASSOCIATES, L.P.5.875%46 loans, median costs $3,777
- 3.PENNYMAC LOAN SERVICES, LLC5.99%138 loans, median costs $8,911
- 4.PLANET HOME LENDING, LLC5.99%59 loans, median costs $7,451
- 5.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.091%2,129 loans, median costs $8,774
Among lenders with at least 30 closed refinance loans in Denton County in 2025.
Lender by lender in Denton
Every lender that closed at least 5 qualifying loans in Denton 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. | 1,268 | 4.5% | $9,322 | $0 | $7,056 |
| 2 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 1,126 | 6.499% | $8,827 | $3,064 | $2,765 |
| 3 | LENNAR MORTGAGE, LLC | 846 | 4.375% | $7,855 | $1,925 | $5,180 |
| 4 | Rocket Mortgage, LLC | 496 | 6.375% | $7,619 | $3,098 | $3,751 |
| 5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 476 | 5.99% | $8,887 | $2,106 | $5,151 |
| 6 | CROSSCOUNTRY MORTGAGE, INC. | 464 | 6.683% | $11,198 | $4,827 | $4,969 |
| 7 | Taylor Morrison Home Funding, Inc. | 339 | 5.375% | $5,254 | $101 | $6,448 |
| 8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 313 | 6.5% | $5,466 | $0 | $2,746 |
| 9 | JPMorgan Chase Bank, National Association | 313 | 6.25% | $4,940 | $854 | $2,937 |
| 10 | Fairway Independent Mortgage Corporation | 276 | 6.625% | $8,819 | $3,343 | $3,254 |
| 11 | PULTE MORTGAGE LLC | 253 | 5.125% | $4,771 | $0 | $8,127 |
| 12 | M/I FINANCIAL, LLC | 251 | 5.5% | $14,430 | $8,770 | $9,081 |
| 13 | Loandepot.Com, LLC | 243 | 4.99% | $10,214 | $1,600 | $7,609 |
| 14 | CMG MORTGAGE, INC. | 241 | 6.5% | $8,707 | $2,912 | $3,466 |
| 15 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 198 | 6.624% | $11,169 | $4,797 | $4,579 |
| 16 | SFMC, LP | 196 | 5.99% | $12,449 | $5,006 | $8,036 |
| 17 | GUILD MORTGAGE COMPANY | 192 | 6.312% | $11,173 | $3,949 | $3,515 |
| 18 | JET HOMELOANS, LP | 180 | 5.99% | $8,313 | $1,325 | $5,120 |
| 19 | U.S. Bank National Association | 170 | 6.375% | $8,044 | $1,898 | $2,521 |
| 20 | PRIORITY HOME MORTGAGE, L.P. | 167 | 5.99% | $739 | $0 | $8,186 |
| 21 | EVERETT FINANCIAL, INC. | 157 | 6.75% | $10,288 | $4,705 | $3,436 |
| 22 | Mortgage Research Center, LLC | 153 | 6.125% | $5,990 | $0 | $2,267 |
| 23 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | 146 | 6.625% | $8,950 | $2,089 | $3,394 |
| 24 | PENNYMAC LOAN SERVICES, LLC | 141 | 6.25% | $8,548 | $1,994 | $2,268 |
| 25 | PROVIDENT FUNDING ASSOCIATES, L.P. | 136 | 6.375% | $6,108 | $1,125 | $1,220 |
| 26 | First United Bank and Trust Company | 133 | 6.625% | $7,791 | $1,945 | $2,559 |
| 27 | LOWER, LLC | 112 | 6.375% | $10,686 | $4,964 | $7,326 |
| 28 | Tripointe Connect, LLC | 111 | 5.25% | $6,923 | $1,490 | $9,047 |
| 29 | ZILLOW HOME LOANS, LLC | 108 | 6.125% | $6,572 | $2,551 | $2,708 |
| 30 | Prosperity Home Mortgage, LLC | 108 | 6.5% | $8,722 | $2,915 | $3,390 |
| 31 | KIND LENDING, LLC | 107 | 6.375% | $10,817 | $4,449 | $2,178 |
| 32 | MATTAMY HOME FUNDING, LLC | 107 | 5.625% | $5,731 | $101 | $11,374 |
| 33 | UNION HOME MORTGAGE CORP. | 101 | 5.99% | $12,820 | $5,357 | $4,639 |
| 34 | Navy Federal Credit Union | 98 | 6% | $4,844 | $0 | $4,275 |
| 35 | Bank of America, National Association | 98 | 6.062% | $5,423 | $1,606 | $2,563 |
| 36 | GUARANTEED RATE, INC. | 96 | 6.5% | $8,200 | $1,719 | $3,177 |
| 37 | NexBank | 91 | 6.375% | $10,014 | $4,960 | $3,574 |
| 38 | FREEDOM MORTGAGE CORPORATION | 89 | 5.99% | $14,044 | $3,929 | $3,291 |
| 39 | Paramount Residential Mortgage Group, Inc. | 85 | 6.5% | $8,144 | $1,944 | $2,936 |
| 40 | 21st Mortgage Corporation | 79 | 10.32% | $7,516 | $4,273 | n/a |
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 Denton figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Denton County in 2025?
The median interest rate on closed home-purchase loans in Denton County, Texas in 2025 was 6.125%, across 14,786 first-lien, owner-occupied loans. The middle half of borrowers got between 5.375% and 6.75%.
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.