Purchase Originations
246
Median Total Costs
$9,077
+35.9% vs national ($6,680)
↓ $208 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.670% vs prior year
Median Origination
$2,486
Median Lender Credits
$354
Denial Rate
6.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 183 | 6.625% | $7,370 | $3,010 |
| fha | 53 | 6.500% | $11,532 | $1,450 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,573 | 6.870% | — | 2 | −$4,504 | |
| 2 | $4,709 | 6.375% | — | 4 | −$4,368 | |
| 3 | $6,631 | 6.375% | — | 27 | −$2,446 | |
| 4 | $7,056 | 6.625% | — | 4 | −$2,021 | |
| 5 | $7,363 | 6.375% | — | 35 | −$1,714 | |
| 6 | $7,962 | 6.125% | — | 3 | −$1,115 | |
| 7 | $8,276 | 6.750% | — | 25 | −$801 | |
| 8 | $9,218 | 6.500% | — | 55 | +$141 | |
| 9 | $9,248 | 6.750% | — | 3 | +$171 | |
| 10 | $9,287 | 6.495% | — | 12 | +$210 | |
| 11 | $9,426 | 6.688% | — | 2 | +$349 | |
| 12 | $9,563 | 6.750% | — | 12 | +$486 | |
| 13 | $9,924 | 6.990% | — | 3 | +$847 | |
| 14 | $10,459 | 6.375% | — | 7 | +$1,382 | |
| 15 | $10,748 | 6.625% | — | 7 | +$1,671 | |
| 16 | $13,166 | 6.808% | — | 2 | +$4,089 | |
| 17 | $13,734 | 7.062% | — | 2 | +$4,657 | |
| 18 | $17,562 | 6.750% | — | 5 | +$8,485 | |
| 19 | $19,169 | 6.500% | — | 6 | +$10,092 | |
| 20 | $20,556 | 6.812% | — | 2 | +$11,479 |
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 Regional Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $345,000 | $335,000 | +$10,000 (+3.0%) |
| Median total closing costs | $9,077 | $7,127 | +$1,950 (+27.4%) |
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.