Texas · Q1 2026
What Texas borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 941 lenders.
Published 2026-04-29.
Texas · headline
The gap between Texas's lowest- and highest-cost ranked lenders in 2025 was $5,743 on a typical loan — borrowers using CrossCountry Mortgage paid roughly 121% more than borrowers using Mortgage Research Center, LLC on similar loans.
Source: FFIEC HMDA 2025 (n=416,481)
In 2025, 941 mortgage lenders originated 416,481 reportable loans in Texas according to FFIEC HMDA data. The median borrower paid $7,021 in total loan costs. That is 65.5% above the national median across all 50 states and DC.
Texas's median total loan cost was $7,021, 65.5% above the national median of $4,242. On a typical loan, that translates to roughly $2,779 more than borrowers paid in the average state.
Mortgage Research Center, LLC posted the lowest median total loan costs at $4,751, 32.3% below the Texas median. Across the ranked lenders, 6 earned an A grade against peer averages and 4 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Texas are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | $8,387 | $3,780 | 39,056 | C |
| 2 | Rocket Mortgage | $6,685 | $3,696 | 30,567 | A |
| 3 | DHI Mortgage Company, LTD. | $8,646 | $1,928 | 17,065 | C |
| 4 | Lennar Mortgage, LLC | $6,782 | $1,775 | 15,562 | A |
| 5 | JPMorgan Chase Bank, N.A. | $5,342 | $2,394 | 9,352 | A |
| 6 | CMG Financial | $9,864 | $3,805 | 9,095 | D |
| 7 | loanDepot.com, LLC | $9,123 | $3,290 | 7,487 | D |
| 8 | CrossCountry Mortgage | $10,494 | $4,403 | 7,020 | F |
| 9 | Fairway Independent Mortgage | $8,385 | $3,674 | 6,960 | C |
| 10 | Mortgage Research Center, LLC | $4,751 | $2,563 | 6,918 | A |
Texas median total loan cost
Texas borrowers paid a median $7,021 in total loan costs in 2025, based on 416,481 HMDA-reported loans across 941 lenders.
FFIEC HMDA 2025
Lender spread in Texas
In Texas, the gap between Mortgage Research Center, LLC ($4,751 median) and CrossCountry Mortgage ($10,494 median) was $5,743 on a typical 2025 loan.
FFIEC HMDA 2025
Texas vs. national
Texas closing costs ran 65.5% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Texas was $2,420, with the typical lender clustering tightly around that figure. Discount points appeared on 58% of loans, with a median paid amount of $2,685 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 35% of loans, with a median credit of $341.
Avg $3,655
Median $2,685 when present
Median $341 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Texas) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Texas
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