What people paid for mortgages in Travis County, TX (2025)
Across 11,669 closed home-purchase loans in 2025, the median interest rate in Travis was 6.25%, and the middle half of borrowers got between 5.75% and 6.75%. Median total loan costs ran $8,377 on a median loan of $415,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.25%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $8,377
- Median loan amount
- $415,000
11,669 loans, 2025.
Refinance
- Median rate
- 6.125%
- Middle half of rates
- 5.75%–6.75%
- Median total loan costs
- $6,641
- Median loan amount
- $405,000
3,090 loans, 2025.
Lowest median rates in Travis (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.3.99%261 loans, median costs $9,516
- 2.VELOCIO MORTGAGE L.L.C.4.25%153 loans, median costs $12,166
- 3.LENNAR MORTGAGE, LLC4.5%83 loans, median costs $7,919
- 4.HOMEAMERICAN MORTGAGE CORPORATION4.812%34 loans, median costs $754
- 5.INSPIRE HOME LOANS INC.4.875%77 loans, median costs $11,299
Among lenders with at least 30 closed purchase loans in Travis County in 2025.
Refinance
- 1.Frost Bank5.375%49 loans, median costs $3,935
- 2.Bank of America, National Association5.99%43 loans, median costs $6,138
- 3.U.S. Bank National Association5.99%35 loans, median costs $7,356
- 4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.999%551 loans, median costs $6,786
- 5.PENNYMAC LOAN SERVICES, LLC6%82 loans, median costs $8,014
Among lenders with at least 30 closed refinance loans in Travis County in 2025.
Lender by lender in Travis
Every lender that closed at least 5 qualifying loans in Travis 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 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 838 | 6.498% | $9,963 | $4,130 | $2,805 |
| 2 | CMG MORTGAGE, INC. | 688 | 6.188% | $10,023 | $3,494 | $3,970 |
| 3 | Taylor Morrison Home Funding, Inc. | 451 | 5.375% | $5,990 | $101 | $5,680 |
| 4 | JPMorgan Chase Bank, National Association | 383 | 6.375% | $6,315 | $1,682 | $3,403 |
| 5 | Rocket Mortgage, LLC | 366 | 6.375% | $7,440 | $3,182 | $3,500 |
| 6 | UNIVERSITY Federal Credit Union | 362 | 6.375% | $6,790 | $2,156 | $1,875 |
| 7 | LOANPEOPLE, LLC | 321 | 6.5% | $7,595 | $1,790 | $3,997 |
| 8 | Fairway Independent Mortgage Corporation | 320 | 6.5% | $8,587 | $2,381 | $3,160 |
| 9 | DHI MORTGAGE COMPANY, LTD. | 261 | 3.99% | $9,516 | $0 | $2,444 |
| 10 | First United Bank and Trust Company | 234 | 6.625% | $8,452 | $1,445 | $3,731 |
| 11 | Loandepot.Com, LLC | 228 | 4.99% | $10,078 | $1,600 | $7,951 |
| 12 | Cadence Bank | 213 | 6% | $7,703 | $1,670 | $6,051 |
| 13 | KBHS HOME LOANS, LLC | 170 | 6.058% | $7,910 | $1,380 | $8,611 |
| 14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 154 | 6.375% | $8,300 | $3,192 | $3,493 |
| 15 | VELOCIO MORTGAGE L.L.C. | 153 | 4.25% | $12,166 | $2,296 | $5,181 |
| 16 | U.S. Bank National Association | 120 | 6.25% | $9,543 | $2,002 | $906 |
| 17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 113 | 6.375% | $6,178 | $496 | $6,815 |
| 18 | CROSSCOUNTRY MORTGAGE, INC. | 112 | 6.625% | $10,955 | $4,011 | $5,250 |
| 19 | PENNYMAC LOAN SERVICES, LLC | 112 | 6.49% | $8,772 | $2,075 | $4,180 |
| 20 | Paramount Residential Mortgage Group, Inc. | 109 | 6.5% | $9,811 | $4,137 | $2,981 |
| 21 | NETWORK FUNDING, L.P. | 108 | 6.625% | $7,447 | $1,715 | $5,594 |
| 22 | ZILLOW HOME LOANS, LLC | 101 | 6.25% | $7,383 | $3,021 | $3,272 |
| 23 | BRIGHTLAND MORTGAGE SERVICES, LTD. | 99 | 5.625% | $5,949 | $0 | $9,455 |
| 24 | Bank of America, National Association | 98 | 5.99% | $4,690 | $1,617 | $2,256 |
| 25 | HOME FINANCING UNLIMITED, INC. | 97 | 6% | $7,018 | $1,965 | $14,537 |
| 26 | Broker Solutions, Inc. | 97 | 6.625% | $11,037 | $4,925 | $5,446 |
| 27 | GUILD MORTGAGE COMPANY | 92 | 6.5% | $8,066 | $3,027 | $3,705 |
| 28 | Mortgage Research Center, LLC | 92 | 6.125% | $6,341 | $0 | $3,102 |
| 29 | Frost Bank | 92 | 5.75% | $5,182 | $1,200 | $8,080 |
| 30 | THE LOAN STORE, INC.broker only | 90 | 6.375% | $8,992 | $2,781 | $1,650 |
| 31 | PILGRIM MORTGAGE LLC | 90 | 6.49% | $8,070 | $1,690 | $4,663 |
| 32 | CLM MORTGAGE, INC. | 88 | 5.433% | $9,133 | $1,950 | $8,762 |
| 33 | KIND LENDING, LLC | 87 | 6.375% | $10,850 | $4,123 | $2,535 |
| 34 | Wells Fargo Bank, National Association | 87 | 6% | $8,667 | $2,580 | $3,285 |
| 35 | LENNAR MORTGAGE, LLC | 83 | 4.5% | $7,919 | $1,550 | $5,739 |
| 36 | PULTE MORTGAGE LLC | 81 | 5.25% | $4,924 | $0 | $9,342 |
| 37 | TRIAD FINANCIAL SERVICES, INC. | 81 | 8.49% | n/a | n/a | n/a |
| 38 | PROVIDENT FUNDING ASSOCIATES, L.P. | 78 | 6.375% | $6,353 | $1,125 | $2,130 |
| 39 | Plains Commerce Bank | 78 | 6.495% | $11,589 | $3,917 | $3,023 |
| 40 | INSPIRE HOME LOANS INC. | 77 | 4.875% | $11,299 | $1,500 | $6,560 |
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 Travis figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Travis County in 2025?
The median interest rate on closed home-purchase loans in Travis County, Texas in 2025 was 6.25%, across 11,669 first-lien, owner-occupied loans. The middle half of borrowers got between 5.75% 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.