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

Across 2,007 closed home-purchase loans in 2025, the median interest rate in Randall was 6.49%, and the middle half of borrowers got between 6% and 6.875%. Median total loan costs ran $6,830 on a median loan of $245,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.49%
Middle half of rates: 6%–6.875%
Median total loan costs: $6,830
Median loan amount: $245,000

2,007 loans, 2025.

Refinance

Median rate: 6.49%
Middle half of rates: 5.99%–6.99%
Median total loan costs: $4,876
Median loan amount: $225,000

557 loans, 2025.

Lowest median rates in Randall (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.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.053%44 loans, median costs $11,131
2.First United Bank6.125%82 loans, median costs $7,404
3.ALLIANCE CREDIT UNION6.25%192 loans, median costs $4,289
4.Texas Tech Federal Credit Union6.25%167 loans, median costs $6,934
5.Mortgage Research Center, LLC6.25%55 loans, median costs $3,215

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

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.662%44 loans, median costs $4,304
2.Education Credit Union6.5%54 loans, median costs $2,643
3.Rocket Mortgage, LLC6.625%76 loans, median costs $6,320
4.Amarillo National Bank6.625%61 loans, median costs $3,651

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

Lender by lender in Randall

Every lender that closed at least 5 qualifying loans in Randall 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	Amarillo National Bank	383	6.375%	$5,028	$1,250	$3,312
2	ALLIANCE CREDIT UNION	192	6.25%	$4,289	$925	n/a
3	Texas Tech Federal Credit Union	167	6.25%	$6,934	$1,270	$3,132
4	RIGHT START MORTGAGE, INC.	114	6.688%	$10,717	$4,110	$2,829
5	EUSTIS MORTGAGE CORPORATION	102	6.5%	$9,056	$1,864	$1,473
6	ASSOCIATED MORTGAGE CORPORATION	99	6.5%	$7,115	$1,964	$2,055
7	First United Bank	82	6.125%	$7,404	$2,165	$1,139
8	Rocket Mortgage, LLC	56	6.495%	$7,789	$4,179	$3,472
9	Mortgage Research Center, LLC	55	6.25%	$3,215	$0	$1,666
10	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	44	6.053%	$11,131	$3,825	$2,061
11	Fairway Independent Mortgage Corporation	41	6.25%	$8,484	$2,168	$1,678
12	Centennial Bank	37	6.5%	$5,612	$1,420	$620
13	21st Mortgage Corporation	30	9.035%	$6,811	$4,500	n/a
14	PRIMELENDING, A PLAINSCAPITAL COMPANY	29	6.375%	$8,848	$3,335	$1,561
15	Access Community Credit Union	29	6.625%	$4,872	$1,295	n/a
16	UNION HOME MORTGAGE CORP.	27	6.5%	$11,181	$2,446	$1,894
17	SECURITYNATIONAL MORTGAGE COMPANY	27	6.875%	$10,663	$3,793	$5,168
18	FirstBank Southwest	25	6.875%	$5,255	$1,460	$265
19	AMERICAN PORTFOLIO MORTGAGE CORPORATION	23	6.5%	$7,835	$2,332	$1,119
20	THE MORTGAGE LINK, INC.	21	6.875%	$12,311	$2,115	$1,635
21	Education Credit Union	20	6.375%	$4,213	$950	n/a
22	First National Bank Texas	18	6.688%	$9,803	$3,209	$2,441
23	GUILD MORTGAGE COMPANY	18	6.875%	$9,888	$3,106	$1,465
24	ARK-LA-TEX FINANCIAL SERVICES, LLC.	17	6.75%	$5,822	$0	$2,881
25	Navy Federal Credit Union	14	6.188%	$4,741	$0	$850
26	Wells Fargo Bank, National Association	11	5.875%	$5,186	$2,030	$730
27	USAA Federal Savings Bank	10	6.5%	$4,684	$885	$2,170
28	SOUTHWEST STAGE FUNDING, LLC	9	7.95%	$4,756	$4,572	n/a
29	Herring Bank	9	n/a	n/a	n/a	n/a
30	HOMETRUST MORTGAGE COMPANY	9	6.5%	$10,629	$3,383	$2,700
31	PENNYMAC LOAN SERVICES, LLC	9	5.875%	$12,275	$3,943	$2,743
32	TRIAD FINANCIAL SERVICES, INC.	8	10.26%	$3,669	$2,575	n/a
33	DAS Acquisition Company, LLC	8	6.625%	$7,919	$3,347	$3,307
34	First National Bank of Hereford	7	n/a	n/a	n/a	n/a
35	PLANET HOME LENDING, LLC	7	5.99%	$8,589	$1,987	$2,666
36	CHURCHILL MORTGAGE CORPORATION	7	6.375%	$8,212	$3,712	$1,911
37	Broker Solutions, Inc.	7	7.125%	$8,574	$3,269	$2,814
38	FocusOne Mortgage, LLC	7	7%	$6,778	$2,233	n/a
39	JPMorgan Chase Bank, National Association	7	6.625%	$650	$0	$1,166
40	VANDERBILT MORTGAGE AND FINANCE, INC.	6	10.745%	$7,051	$4,642	$844

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.

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What happens after you submit

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

Common questions

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

The median interest rate on closed home-purchase loans in Randall County, Texas in 2025 was 6.49%, across 2,007 first-lien, owner-occupied loans. The middle half of borrowers got between 6% 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.