Median Total Costs
$8,397
+25.7% vs national ($6,680)
↓ $21 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
Median Origination
$1,970
Purchase Originations
287,843
Denial Rate
12.0%
vs national avg (9.0%)
Texas uses a non-judicial foreclosure process, meaning lenders can foreclose without court involvement, typically completing the process in as few as 60 days after a notice of default is issued. The state uses deeds of trust rather than mortgages as the primary security instrument. Texas is not an attorney-closing state. Licensed title companies commonly handle closings, though attorneys may be used. The state imposes a mortgage tax or real estate transfer tax at the state level. Notably, Texas does not have a state real property transfer tax, which is relatively unusual among large states. Title insurance rates in Texas are promulgated by the Texas Department of Insurance, meaning rates are set by the state and are uniform across title companies; buyers cannot shop for a lower premium, only for service quality. Texas has distinctive home equity lending rules rooted in its constitution, including an 80% combined loan-to-value cap on cash-out refinances and home equity loans. Prepayment penalties on home equity loans are restricted under state law. The Texas Department of Savings and Mortgage Lending oversees state-chartered mortgage activity.
Conventional loans dominate Texas's purchase market, accounting for 55.7% of 2024 HMDA originations (164,159 loans) at a median rate of 6.625%. FHA loans represent a substantial 30.0% share (88,431 loans) at a median rate of 6.125%, reflecting the state's large population of first-time and lower-down-payment buyers, particularly in fast-growing metros. VA loans account for 13.8% of volume (40,549 loans), consistent with Texas's significant active-duty and veteran population across installations such as Fort Cavazos, Joint Base San Antonio, and others. USDA loans are a minimal 0.5% (1,478 loans).
DHI Mortgage Company, Ltd.
DHI Mortgage is the captive lender for D.R. Horton, one of the largest homebuilders in Texas, making it a common financing option for buyers purchasing new-construction homes. Its HMDA 2024 median total closing costs of $8,506 sit close to the Texas median across a high volume of 17,486 originations.
Lennar Mortgage, LLC
Lennar Mortgage serves buyers of Lennar-built homes, which are widely available across Texas's major metros and suburban growth corridors. Its HMDA 2024 median total closing costs of $7,697 were below the Texas median, across 12,233 originations.
United Wholesale Mortgage, LLC
United Wholesale Mortgage is the top lender by origination volume in Texas at 23,178 loans in HMDA 2024, operating through independent mortgage brokers rather than directly. Its median total closing costs of $9,468 were above the Texas median, so buyers using a UWM-backed broker should compare itemized fees carefully.
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 150,455 | 6.500% | $6,844 |
| fha | 92,640 | 5.990% | $11,099 |
| va | 42,925 | 5.990% | $6,698 |
| usda | 1,823 | 5.625% | $7,454 |
Ranked by median total loan costs among lenders with 50+ purchase originations in Texas.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.250% | $0 | 225 | −$8,397 | |
| 2 | $625 | 5.750% | $0 | 86 | −$7,772 | |
| 3 | $1,237 | 4.999% | $0 | 98 | −$7,160 | |
| 4 | $2,378 | 7.750% | $0 | 1,086 | −$6,019 | |
| 5 | $2,452 | 10.350% | $1,243 | 54 | −$5,945 | |
| 6 | $2,789 | 3.750% | $1,845 | 173 | −$5,608 | |
| 7 | $2,846 | 3.125% | $704 | 90 | −$5,551 | |
| 8 | $2,882 | 6.500% | $0 | 121 | −$5,515 | |
| 9 | $3,026 | 6.625% | $0 | 170 | −$5,371 | |
| 10 | $3,089 | 5.750% | $0 | 1,055 | −$5,308 | |
| 11 | $3,147 | 8.265% | $2,652 | 104 | −$5,250 | |
| 12 | $3,269 | 6.125% | $0 | 253 | −$5,128 | |
| 13 | $3,360 | 10.100% | $2,300 | 174 | −$5,037 | |
| 14 | $3,527 | 5.875% | $0 | 367 | −$4,870 | |
| 15 | $3,686 | 7.000% | $500 | 118 | −$4,711 | |
| 16 | $3,701 | 7.000% | $1,000 | 227 | −$4,696 | |
| 17 | $3,715 | 6.125% | $925 | 339 | −$4,682 | |
| 18 | $3,733 | 6.125% | $1,200 | 95 | −$4,664 | |
| 19 | $3,810 | 6.000% | $650 | 103 | −$4,587 | |
| 20 | $4,022 | 6.000% | $1,477 | 1,687 | −$4,375 | |
| 21 | $4,105 | 6.500% | $960 | 132 | −$4,292 | |
| 22 | $4,228 | 6.625% | $1,100 | 52 | −$4,169 | |
| 23 | $4,256 | 6.500% | $1,195 | 74 | −$4,141 | |
| 24 | $4,263 | 6.750% | $925 | 468 | −$4,134 | |
| 25 | $4,396 | 5.850% | $815 | 405 | −$4,001 |
Includes lenders with 50+ purchase originations in Texas. Source: HMDA 2025. Sorted by median total loan costs.
Total closing costs in Texas typically run in a range meaningfully above the national average, driven largely by title insurance premiums that are state-set and non-negotiable. Because title rates are promulgated, they scale with loan amount and cannot be reduced by choosing a different title company. The line items that vary most between lenders are origination fees, discount points, and lender-required service charges. FHA loans in Texas carry the highest median total closing costs at $11,168 per HMDA 2024 data, partly due to upfront mortgage insurance premiums. Conventional loans show the lowest median costs at $6,900. Buyers should request and compare Loan Estimates across multiple lenders, paying close attention to Section A (origination charges) and Section B (services you cannot shop for), since Section C (services you can shop) offers limited additional savings given promulgated title rates.
Got a Texas Closing Disclosure or Loan Estimate?
HMDA medians tell you what Texas lenders usually charge. Upload your paperwork to see exactly how your quote compares — and get a ready-to-send negotiation email.
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Grades A–F from verified closing disclosure and loan estimate uploads — not industry medians.
Harris County
35,687 originations
Bexar County
20,338 originations
Tarrant County
18,426 originations
Collin County
16,764 originations
Dallas County
15,429 originations
Denton County
14,350 originations
Montgomery County
12,862 originations
Travis County
11,246 originations
Fort Bend County
10,710 originations
Williamson County
10,106 originations
El Paso County
7,149 originations
Bell County
5,583 originations
Brazoria County
4,841 originations
Hays County
4,568 originations
Galveston County
4,267 originations
Hidalgo County
4,207 originations
Kaufman County
3,875 originations
Ellis County
3,794 originations
Guadalupe County
3,569 originations
Johnson County
3,277 originations
Lubbock County
3,250 originations
Comal County
2,942 originations
Nueces County
2,824 originations
Midland County
2,790 originations
Parker County
2,689 originations
Rockwall County
2,228 originations
Smith County
2,214 originations
Cameron County
2,162 originations
McLennan County
2,089 originations
Grayson County
2,026 originations
Brazos County
1,941 originations
Taylor County
1,915 originations
Randall County
1,781 originations
Ector County
1,733 originations
Waller County
1,669 originations
Webb County
1,667 originations
Jefferson County
1,491 originations
Hunt County
1,490 originations
Wise County
1,439 originations
Bastrop County
1,233 originations
Liberty County
1,137 originations
Tom Green County
1,102 originations
Wichita County
1,015 originations
Hood County
1,002 originations
Chambers County
975 originations
Gregg County
941 originations
Medina County
873 originations
Coryell County
842 originations
Kendall County
768 originations
Orange County
742 originations
Henderson County
741 originations
Potter County
712 originations
San Patricio County
677 originations
Burnet County
663 originations
Victoria County
621 originations
Wilson County
563 originations
Bowie County
548 originations
Angelina County
538 originations
Hardin County
528 originations
Caldwell County
506 originations
Van Zandt County
505 originations
Harrison County
470 originations
Walker County
445 originations
Wood County
443 originations
Cooke County
420 originations
Navarro County
414 originations
Atascosa County
410 originations
Rusk County
358 originations
Nacogdoches County
351 originations
Fannin County
340 originations
Kerr County
336 originations
Upshur County
333 originations
Grimes County
320 originations
Hill County
316 originations
Cherokee County
306 originations
Lamar County
289 originations
Lampasas County
284 originations
Val Verde County
280 originations
Washington County
277 originations
Polk County
275 originations
Anderson County
267 originations
Aransas County
264 originations
Brown County
253 originations
Hopkins County
248 originations
Gaines County
244 originations
Maverick County
243 originations
San Jacinto County
241 originations
Austin County
233 originations
Erath County
233 originations
Gillespie County
233 originations
Howard County
215 originations
Matagorda County
212 originations
Wharton County
209 originations
Burleson County
192 originations
Bandera County
190 originations
Jasper County
190 originations
Palo Pinto County
189 originations
Andrews County
185 originations
Llano County
181 originations
Moore County
171 originations
Montague County
170 originations
Milam County
169 originations
Hutchinson County
168 originations
Hockley County
160 originations
Callahan County
157 originations
Cass County
155 originations
Hale County
153 originations
Gray County
148 originations
Jim Wells County
144 originations
Titus County
139 originations
Kleberg County
138 originations
Bee County
132 originations
Blanco County
132 originations
Rains County
128 originations
Freestone County
124 originations
Robertson County
123 originations
Tyler County
122 originations
Jones County
121 originations
Leon County
118 originations
Young County
118 originations
Calhoun County
115 originations
Starr County
115 originations
Panola County
114 originations
Limestone County
111 originations
Trinity County
110 originations
Comanche County
107 originations
Clay County
105 originations
Eastland County
104 originations
Bosque County
100 originations
See Texas closing cost details, fee benchmarks, and county comparisons → Texas Closing Costs Guide
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
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.