Purchase Originations
874
Ranked #419 nationally
Median Total Costs
$6,897
+3.3% vs national ($6,680)
↑ $278 vs prior year
Median Rate
6.625%
+2.1% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,995
Median Lender Credits
$333
Cost Rank (500+ vol.)
#360
among lenders with 500+ originations
Denial Rate
2.2%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 479 | 6.625% | $5,056 | $1,995 |
| fha | 283 | 6.500% | $10,121 | $1,995 |
| va | 104 | 6.312% | $7,475 | $1,737 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 141 | 6.500% | $7,858 | #195 |
| Texas | 108 | 6.500% | $7,851 | #270 |
| Tennessee | 106 | 6.500% | $7,239 | #121 |
| Colorado | 96 | 6.625% | $5,121 | #108 |
| Kentucky | 49 | 6.625% | $5,576 | — |
| Idaho | 37 | 6.000% | $9,883 | — |
| Ohio | 34 | 6.625% | $5,926 | — |
| Michigan | 33 | 6.625% | $6,967 | — |
| North Carolina | 23 | 6.625% | $6,369 | — |
| Georgia | 21 | 6.500% | $8,447 | — |
| Indiana | 18 | 6.625% | $4,406 | — |
| Kansas | 16 | 6.688% | $5,226 | — |
| Illinois | 15 | 6.750% | $8,341 | — |
| Arizona | 13 | 6.750% | $8,049 | — |
| South Carolina | 13 | 6.875% | $4,599 | — |
| Minnesota | 12 | 6.875% | $3,725 | — |
| New Jersey | 10 | 6.688% | $8,962 | — |
| Wisconsin | 10 | 6.750% | $5,916 | — |
| Maryland | 9 | 6.625% | $6,822 | — |
| Nevada | 9 | 6.875% | $4,713 | — |
| Alabama | 8 | 6.625% | $7,049 | — |
| California | 8 | 6.625% | $6,356 | — |
| Connecticut | 7 | 6.250% | $8,861 | — |
| Mississippi | 7 | 6.500% | $8,178 | — |
| New York | 7 | 6.500% | $6,289 | — |
| Utah | 7 | 6.500% | $5,818 | — |
| Pennsylvania | 6 | 6.562% | $7,445 | — |
| Louisiana | 5 | 6.500% | $4,732 | — |
| Iowa | 4 | 6.375% | $2,805 | — |
| Massachusetts | 4 | 6.812% | $8,188 | — |
| Nebraska | 4 | 6.500% | $4,297 | — |
| New Hampshire | 4 | 6.938% | $4,920 | — |
| Virginia | 4 | 7.125% | $15,942 | — |
| Washington | 4 | 7.188% | $11,101 | — |
| Arkansas | 3 | 6.750% | $11,328 | — |
| Missouri | 3 | 6.750% | $12,551 | — |
| New Mexico | 3 | 6.250% | $9,257 | — |
| Oregon | 3 | 6.875% | $6,331 | — |
| North Dakota | 2 | 6.938% | $6,228 | — |
| Oklahoma | 2 | 6.438% | $9,514 | — |
| Rhode Island | 2 | 6.125% | $14,471 | — |
| Delaware | 1 | 6.375% | $12,778 | — |
| Hawaii | 1 | 6.250% | $17,688 | — |
| Montana | 1 | 6.750% | $4,773 | — |
| Wyoming | 1 | 6.625% | $4,630 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,469 | 6.750% | — | 19 | −$2,428 | |
| 2 | $4,912 | 6.688% | — | 10 | −$1,985 | |
| 3 | $5,198 | 6.625% | — | 11 | −$1,699 | |
| 4 | $5,560 | 6.750% | — | 36 | −$1,337 | |
| 5 | $6,053 | 6.562% | — | 20 | −$844 | |
| 6 | $6,240 | 6.250% | — | 13 | −$657 | |
| 7 | $6,604 | 6.875% | — | 22 | −$293 | |
| 8 | $7,253 | 6.625% | — | 19 | +$356 | |
| 9 | $7,352 | 6.625% | — | 9 | +$455 | |
| 10 | $7,591 | 6.500% | — | 26 | +$694 | |
| 11 | $7,639 | 6.375% | — | 19 | +$742 | |
| 12 | $7,674 | 6.438% | — | 12 | +$777 | |
| 13 | $7,706 | 6.500% | — | 11 | +$809 | |
| 14 | $7,820 | 6.375% | — | 57 | +$923 | |
| 15 | $8,049 | 6.625% | — | 11 | +$1,152 | |
| 16 | $8,632 | 6.438% | — | 18 | +$1,735 | |
| 17 | $9,094 | 5.812% | — | 10 | +$2,197 | |
| 18 | $9,883 | 6.125% | — | 19 | +$2,986 | |
| 19 | $9,994 | 6.188% | — | 14 | +$3,097 | |
| 20 | $10,075 | 6.750% | — | 12 | +$3,178 |
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 | Texana Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $315,000 | $335,000 | −$20,000 (−6.0%) |
| Median total closing costs | $6,897 | $7,127 | −$230 (−3.2%) |
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.