Purchase Originations
132
Median Total Costs
$4,105
−38.5% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$960
Median Lender Credits
$45
Denial Rate
12.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 132 | 6.500% | $4,105 | $960 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 132 | 6.500% | $4,105 | #249 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,153 | 6.250% | — | 1 | −$1,952 | |
| 2 | $2,655 | 6.188% | — | 2 | −$1,450 | |
| 3 | $2,922 | 6.438% | — | 2 | −$1,183 | |
| 4 | $3,000 | 6.812% | — | 6 | −$1,105 | |
| 5 | $3,437 | 6.688% | — | 6 | −$668 | |
| 6 | $3,559 | 6.875% | — | 1 | −$546 | |
| 7 | $3,685 | 5.812% | — | 2 | −$420 | |
| 8 | $3,804 | 6.500% | — | 43 | −$301 | |
| 9 | $4,051 | 6.125% | — | 10 | −$54 | |
| 10 | $4,125 | 6.750% | — | 1 | +$20 | |
| 11 | $4,199 | 6.500% | — | 1 | +$94 | |
| 12 | $4,422 | 6.562% | — | 4 | +$317 | |
| 13 | $4,502 | 6.250% | — | 5 | +$397 | |
| 14 | $4,641 | 6.250% | — | 27 | +$536 | |
| 15 | $4,682 | 6.125% | — | 3 | +$577 | |
| 16 | $4,781 | 6.250% | — | 1 | +$676 | |
| 17 | $4,850 | 6.875% | — | 2 | +$745 | |
| 18 | $5,081 | 6.625% | — | 7 | +$976 | |
| 19 | $7,011 | 6.438% | — | 6 | +$2,906 | |
| 20 | $8,124 | 6.875% | — | 1 | +$4,019 |
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 | Texas Bank and Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $4,105 | $7,127 | −$3,022 (−42.4%) |
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.