Purchase Originations
246
Median Total Costs
$4,918
−26.4% vs national ($6,680)
↓ $58 vs prior year
Median Rate
7.100%
+9.4% vs national (6.490%)
↓ 0.400% vs prior year
Median Origination
$1,110
Median Lender Credits
$28
Denial Rate
15.0%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 244 | 7.100% | $4,872 | $1,110 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,389 | 7.350% | — | 3 | −$1,529 | |
| 2 | $3,992 | 6.800% | — | 32 | −$926 | |
| 3 | $4,019 | 7.150% | — | 11 | −$899 | |
| 4 | $4,065 | 6.862% | — | 2 | −$853 | |
| 5 | $4,447 | 7.125% | — | 12 | −$471 | |
| 6 | $4,581 | 7.150% | — | 73 | −$337 | |
| 7 | $4,601 | 7.000% | — | 18 | −$317 | |
| 8 | $4,657 | 6.975% | — | 6 | −$261 | |
| 9 | $5,009 | 6.750% | — | 21 | +$91 | |
| 10 | $5,299 | 7.200% | — | 7 | +$381 | |
| 11 | $5,730 | 7.150% | — | 7 | +$812 | |
| 12 | $5,823 | 7.350% | — | 9 | +$905 | |
| 13 | $5,848 | 7.000% | — | 3 | +$930 | |
| 14 | $6,171 | 6.850% | — | 7 | +$1,253 | |
| 15 | $6,708 | 7.000% | — | 2 | +$1,790 | |
| 16 | $6,742 | 7.350% | — | 2 | +$1,824 | |
| 17 | $7,411 | 7.100% | — | 4 | +$2,493 | |
| 18 | $8,820 | 6.775% | — | 2 | +$3,902 | |
| 19 | $8,899 | 7.050% | — | 2 | +$3,981 | |
| 20 | $11,336 | 7.325% | — | 4 | +$6,418 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Austin Bank, Texas National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $280,000 | $335,000 | −$55,000 (−16.4%) |
| Median total closing costs | $4,918 | $7,127 | −$2,209 (−31.0%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.