Purchase Originations
389
Median Total Costs
$8,221
+23.1% vs national ($6,680)
↓ $980 vs prior year
Median Rate
5.490%
−15.4% vs national (6.490%)
↓ 0.885% vs prior year
Median Origination
$2,419
Median Lender Credits
$1,318
Denial Rate
2.9%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 389 | 5.490% | $8,221 | $2,419 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 389 | 5.490% | $8,221 | #136 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $6,321 | 4.990% | — | 9 | −$1,900 | |
| 2 | $6,743 | 5.250% | — | 10 | −$1,478 | |
| 3 | $6,782 | 5.490% | — | 16 | −$1,439 | |
| 4 | $6,924 | 5.250% | — | 13 | −$1,297 | |
| 5 | $7,469 | 4.990% | — | 11 | −$752 | |
| 6 | $7,569 | 5.740% | — | 38 | −$652 | |
| 7 | $7,577 | 5.620% | — | 6 | −$644 | |
| 8 | $7,730 | 4.990% | — | 17 | −$491 | |
| 9 | $8,178 | 5.933% | — | 32 | −$43 | |
| 10 | $8,213 | 5.500% | — | 25 | −$8 | |
| 11 | $8,689 | 5.250% | — | 30 | +$468 | |
| 12 | $8,714 | 5.740% | — | 4 | +$493 | |
| 13 | $8,765 | 5.250% | — | 29 | +$544 | |
| 14 | $8,970 | 5.500% | — | 78 | +$749 | |
| 15 | $9,016 | 4.990% | — | 8 | +$795 | |
| 16 | $9,224 | 4.990% | — | 7 | +$1,003 | |
| 17 | $9,250 | 4.990% | — | 13 | +$1,029 | |
| 18 | $9,392 | 5.490% | — | 19 | +$1,171 | |
| 19 | $11,389 | 5.250% | — | 7 | +$3,168 | |
| 20 | $13,208 | 5.938% | — | 10 | +$4,987 |
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 | Highland Homeloans, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $455,000 | $335,000 | +$120,000 (+35.8%) |
| Median total closing costs | $8,221 | $7,127 | +$1,094 (+15.4%) |
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.