What people paid for mortgages in McLennan County, TX (2025)

Across 2,463 closed home-purchase loans in 2025, the median interest rate in McLennan was 6.5%, and the middle half of borrowers got between 5.99% and 6.875%. Median total loan costs ran $7,249 on a median loan of $275,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.5%
Middle half of rates: 5.99%–6.875%
Median total loan costs: $7,249
Median loan amount: $275,000

2,463 loans, 2025.

Refinance

Median rate: 6.49%
Middle half of rates: 5.875%–6.999%
Median total loan costs: $6,248
Median loan amount: $245,000

859 loans, 2025.

Lowest median rates in McLennan (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.DHI MORTGAGE COMPANY, LTD.4.5%129 loans, median costs $8,562
2.Kangaroo Home Lending, LLC5.25%80 loans, median costs $8,118
3.NETWORK FUNDING, L.P.6.125%36 loans, median costs $13,524
4.Mortgage Research Center, LLC6.25%59 loans, median costs $3,129
5.First National Bank Texas6.25%30 loans, median costs $7,251

Among lenders with at least 30 closed purchase loans in McLennan County in 2025.

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.995%71 loans, median costs $6,455
2.SWBC MORTGAGE CORPORATION6.125%40 loans, median costs $7,835
3.FREEDOM MORTGAGE CORPORATION6.25%38 loans, median costs $4,121
4.Rocket Mortgage, LLC6.875%138 loans, median costs $6,948

Among lenders with at least 30 closed refinance loans in McLennan County in 2025.

Lender by lender in McLennan

Every lender that closed at least 5 qualifying loans in McLennan 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	SWBC MORTGAGE CORPORATION	203	6.625%	$5,330	$1,375	$3,141
2	Fairway Independent Mortgage Corporation	178	6.562%	$5,743	$1,249	$2,472
3	DHI MORTGAGE COMPANY, LTD.	129	4.5%	$8,562	$0	$3,163
4	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	127	6.425%	$9,342	$2,795	$2,766
5	MOVEMENT MORTGAGE, LLC	119	6.625%	$9,922	$3,450	$1,642
6	Rocket Mortgage, LLC	104	6.375%	$8,249	$3,925	$3,037
7	Granite Bank	96	6.49%	$7,461	$2,881	$1,761
8	Kangaroo Home Lending, LLC	80	5.25%	$8,118	$0	$3,065
9	Mortgage Research Center, LLC	59	6.25%	$3,129	$0	$2,961
10	Central National Bank	55	n/a	n/a	n/a	n/a
11	CHURCHILL MORTGAGE CORPORATION	49	6.875%	$10,345	$2,949	$1,584
12	CROSSCOUNTRY MORTGAGE, INC.	43	6.625%	$8,436	$2,679	$2,232
13	21st Mortgage Corporation	43	9.27%	$7,515	$4,455	n/a
14	Trinity Oaks Mortgage, LLC	40	6.625%	$9,037	$3,163	$5,732
15	Susser Bank	40	6.75%	$6,338	$1,765	$585
16	NETWORK FUNDING, L.P.	36	6.125%	$13,524	$6,617	$6,879
17	Community Bank & Trust, Waco, Texas	35	n/a	n/a	n/a	n/a
18	GUILD MORTGAGE COMPANY	33	6.5%	$10,279	$3,896	$2,982
19	ARK-LA-TEX FINANCIAL SERVICES, LLC.	31	6.625%	$4,992	$1,425	$2,153
20	Wallick & Volk, Inc.	31	6.5%	$3,715	$0	$2,898
21	First National Bank Texas	30	6.25%	$7,251	$2,068	$3,492
22	Alliance Bank Central Texas	30	n/a	n/a	n/a	n/a
23	First National Bank of Central Texas	29	n/a	n/a	n/a	n/a
24	NEWREZ LLC	29	6.25%	$7,653	$615	$981
25	Extraco Banks, National Association	28	6.5%	$6,587	$1,656	$1,866
26	CMG MORTGAGE, INC.	28	6.625%	$9,668	$3,868	$3,015
27	JPMorgan Chase Bank, National Association	28	6.495%	$5,104	$1,747	$2,185
28	Spark Mortgage	25	4.99%	$4,897	$0	$5,418
29	TRIAD FINANCIAL SERVICES, INC.	24	8.72%	n/a	n/a	n/a
30	KIND LENDING, LLC	22	6.125%	$10,897	$4,644	$1,893
31	American Bank, National Association	20	n/a	n/a	n/a	n/a
32	Cadence Bank	19	6.75%	$5,938	$1,295	$1,541
33	EVERETT FINANCIAL, INC.	18	6.625%	$10,128	$3,792	$2,230
34	PRIMELENDING, A PLAINSCAPITAL COMPANY	17	6.49%	$7,986	$3,645	$2,810
35	Navy Federal Credit Union	17	6.125%	$4,584	$0	$1,966
36	VANDERBILT MORTGAGE AND FINANCE, INC.	16	9.875%	$7,450	$4,315	$785
37	CORNERSTONE CAPITAL BANK, SSB	13	6.25%	$5,956	$1,694	$3,928
38	The First National Bank of McGregor	13	n/a	n/a	n/a	n/a
39	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	12	6.375%	$19,040	$10,540	$8,520
40	SOUTHWEST STAGE FUNDING, LLC	11	8.5%	$3,134	$2,943	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.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

Referral disclosure: this site may earn a fee if you request quotes through this link. A referral fee never changes the quotes you receive, and no lender or marketplace pays to appear in the data tables on this site or to be described a certain way.

Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the McLennan figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in McLennan County in 2025?

The median interest rate on closed home-purchase loans in McLennan County, Texas in 2025 was 6.5%, across 2,463 first-lien, owner-occupied loans. The middle half of borrowers got between 5.99% and 6.875%.

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.