Purchase Originations
219
Median Total Costs
$4,449
−33.4% vs national ($6,680)
↑ $56 vs prior year
Median Rate
6.750%
+4.0% vs national (6.490%)
↓ 0.240% vs prior year
Median Origination
$998
Median Lender Credits
$104
Denial Rate
1.8%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 187 | 6.875% | $4,291 | $998 |
| fha | 27 | 6.500% | $8,001 | $998 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 212 | 6.750% | $4,448 | #199 |
| Tennessee | 2 | 6.688% | $2,618 | — |
| Georgia | 1 | 6.375% | $6,027 | — |
| Indiana | 1 | 6.125% | $10,718 | — |
| Louisiana | 1 | 6.990% | $6,532 | — |
| New Mexico | 1 | 6.875% | $3,852 | — |
| Washington | 1 | 5.625% | $4,703 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,618 | 6.688% | — | 2 | −$1,831 | |
| 2 | $3,098 | 6.500% | — | 3 | −$1,351 | |
| 3 | $3,358 | 6.812% | — | 2 | −$1,091 | |
| 4 | $3,584 | 6.812% | — | 6 | −$865 | |
| 5 | $3,796 | 7.000% | — | 2 | −$653 | |
| 6 | $4,043 | 6.125% | — | 3 | −$406 | |
| 7 | $4,160 | 6.990% | — | 52 | −$289 | |
| 8 | $4,168 | 7.000% | — | 28 | −$281 | |
| 9 | $4,484 | 6.990% | — | 65 | +$35 | |
| 10 | $4,890 | 6.375% | — | 2 | +$441 | |
| 11 | $5,010 | 6.625% | — | 2 | +$561 | |
| 12 | $5,521 | 6.875% | — | 2 | +$1,072 | |
| 13 | $5,792 | 6.000% | — | 2 | +$1,343 | |
| 14 | $6,004 | 6.875% | — | 5 | +$1,555 | |
| 15 | $6,445 | 5.990% | — | 3 | +$1,996 | |
| 16 | $6,504 | 6.250% | — | 5 | +$2,055 | |
| 17 | $6,872 | 6.750% | — | 2 | +$2,423 | |
| 18 | $7,977 | 6.312% | — | 2 | +$3,528 | |
| 19 | $9,312 | 6.500% | — | 9 | +$4,863 | |
| 20 | $14,662 | 6.875% | — | 4 | +$10,213 |
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 | Commercial Bank of Texas, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $265,000 | $335,000 | −$70,000 (−20.9%) |
| Median total closing costs | $4,449 | $7,127 | −$2,678 (−37.6%) |
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.