Purchase Originations
132
Median Total Costs
$6,881
+3.0% vs national ($6,680)
↓ $225 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.625% vs prior year
Median Origination
$1,646
Median Lender Credits
$137
Denial Rate
2.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 121 | 6.625% | $6,485 | $1,827 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 132 | 6.500% | $6,881 | #248 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $1,618 | 6.750% | — | 1 | −$5,263 | |
| 2 | $4,993 | 6.750% | — | 15 | −$1,888 | |
| 3 | $5,221 | 6.562% | — | 2 | −$1,660 | |
| 4 | $5,322 | 7.000% | — | 1 | −$1,559 | |
| 5 | $5,396 | 6.875% | — | 7 | −$1,485 | |
| 6 | $5,815 | 6.750% | — | 12 | −$1,066 | |
| 7 | $5,941 | 6.562% | — | 2 | −$940 | |
| 8 | $6,058 | 7.000% | — | 1 | −$823 | |
| 9 | $6,226 | 6.625% | — | 5 | −$655 | |
| 10 | $6,581 | 6.500% | — | 19 | −$300 | |
| 11 | $6,978 | 6.500% | — | 7 | +$97 | |
| 12 | $7,049 | 6.625% | — | 1 | +$168 | |
| 13 | $8,209 | 6.500% | — | 17 | +$1,328 | |
| 14 | $8,244 | 6.875% | — | 13 | +$1,363 | |
| 15 | $9,891 | 6.500% | — | 7 | +$3,010 | |
| 16 | $12,765 | 6.500% | — | 1 | +$5,884 | |
| 17 | $14,455 | 6.500% | — | 7 | +$7,574 | |
| 18 | $17,106 | 6.625% | — | 1 | +$10,225 | |
| 19 | $19,186 | 6.495% | — | 6 | +$12,305 | |
| 20 | $25,096 | 6.500% | — | 5 | +$18,215 |
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 | Security State Bank & Trust | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $355,000 | $335,000 | +$20,000 (+6.0%) |
| Median total closing costs | $6,881 | $7,127 | −$246 (−3.5%) |
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.