Purchase Originations
307
Median Total Costs
$6,112
−8.5% vs national ($6,680)
↓ $233 vs prior year
Median Rate
6.490%
+0.0% vs national (6.490%)
↓ 0.135% vs prior year
Median Origination
$1,595
Median Lender Credits
$155
Denial Rate
6.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 273 | 6.490% | $5,843 | $1,595 |
| fha | 27 | 6.250% | $11,218 | $1,595 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 307 | 6.490% | $6,112 | #153 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,842 | 6.062% | — | 8 | −$1,270 | |
| 2 | $5,297 | 6.625% | — | 3 | −$815 | |
| 3 | $5,626 | 6.250% | — | 7 | −$486 | |
| 4 | $5,660 | 6.125% | — | 5 | −$452 | |
| 5 | $5,669 | 6.490% | — | 5 | −$443 | |
| 6 | $5,713 | 6.375% | — | 32 | −$399 | |
| 7 | $5,748 | 6.490% | — | 30 | −$364 | |
| 8 | $5,832 | 6.188% | — | 10 | −$280 | |
| 9 | $5,838 | 6.500% | — | 4 | −$274 | |
| 10 | $6,005 | 6.625% | — | 64 | −$107 | |
| 11 | $6,044 | 6.812% | — | 4 | −$68 | |
| 12 | $6,251 | 6.495% | — | 12 | +$139 | |
| 13 | $6,267 | 6.490% | — | 54 | +$155 | |
| 14 | $6,329 | 6.188% | — | 6 | +$217 | |
| 15 | $6,425 | 6.688% | — | 4 | +$313 | |
| 16 | $6,449 | 6.625% | — | 3 | +$337 | |
| 17 | $6,798 | 6.500% | — | 5 | +$686 | |
| 18 | $7,151 | 6.188% | — | 6 | +$1,039 | |
| 19 | $8,022 | 6.490% | — | 3 | +$1,910 | |
| 20 | $8,187 | 6.562% | — | 4 | +$2,075 |
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 Mortgage Lending, LLC | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $6,112 | $7,127 | −$1,015 (−14.2%) |
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.