Mortgage lender closing cost rankings in Texas (2024)
In Texas, homebuyers paid a median of $8,418 in total closing costs on purchase mortgages in 2024, which is above the national median of $6,741. The median interest rate was 6.49% across 294,617 purchase originations. The most active lender was UNITED WHOLESALE MORTGAGE, LLC with 23,178 originations. The lowest-cost lender (with 50+ loans) was American Airlines Federal Credit Union at $0.
Median Total Costs
$8,418
+24.9% vs national ($6,741)
Median Rate
6.490%
−2.0% vs national (6.620%)
Median Origination
$2,263
Purchase Originations
294,617
By loan type
| Loan type | Volume | Median Rate | Median Total Costs |
|---|---|---|---|
| conventional | 164,159 | 6.625% | $6,900 |
| fha | 88,431 | 6.125% | $11,168 |
| va | 40,549 | 6.125% | $7,162 |
| usda | 1,478 | 6.000% | $7,382 |
Lowest closing cost lenders in Texas
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 | 5.812% | $0 | 70 | −$8,418 | |
| 2 | $917 | 6.990% | $0 | 56 | −$7,501 | |
| 3 | $1,087 | 6.125% | $0 | 101 | −$7,331 | |
| 4 | $2,315 | 3.125% | $704 | 77 | −$6,103 | |
| 5 | $2,377 | 6.125% | $0 | 1,213 | −$6,041 | |
| 6 | $2,541 | 3.562% | $945 | 164 | −$5,877 | |
| 7 | $2,589 | 6.625% | $0 | 60 | −$5,829 | |
| 8 | $2,621 | 6.500% | $0 | 131 | −$5,797 | |
| 9 | $2,686 | 10.350% | $1,399 | 62 | −$5,732 | |
| 10 | $2,703 | 10.575% | $1,442 | 244 | −$5,715 | |
| 11 | $2,777 | 9.415% | $2,632 | 204 | −$5,641 | |
| 12 | $2,854 | 8.450% | $149 | 110 | −$5,564 | |
| 13 | $3,009 | 6.875% | $0 | 240 | −$5,409 | |
| 14 | $3,072 | 8.250% | $1,000 | 51 | −$5,346 | |
| 15 | $3,207 | 5.625% | $1,195 | 78 | −$5,211 | |
| 16 | $3,225 | 7.750% | $0 | 749 | −$5,193 | |
| 17 | $3,231 | 5.990% | $0 | 200 | −$5,187 | |
| 18 | $3,341 | 6.125% | $0 | 321 | −$5,077 | |
| 19 | $3,480 | 7.500% | $500 | 139 | −$4,938 | |
| 20 | $3,511 | 6.000% | $815 | 331 | −$4,907 | |
| 21 | $3,635 | 7.625% | $1,000 | 345 | −$4,783 | |
| 22 | $3,718 | 6.500% | $620 | 111 | −$4,700 | |
| 23 | $3,747 | 6.000% | $0 | 109 | −$4,671 | |
| 24 | $4,014 | 6.750% | $1,160 | 1,099 | −$4,404 | |
| 25 | $4,145 | 6.250% | $1,430 | 1,790 | −$4,273 |
Includes lenders with 50+ purchase originations in Texas. Source: HMDA 2024. Sorted by median total loan costs.
Rankings by county
Harris County
36,511 originations
Bexar County
21,617 originations
Tarrant County
19,633 originations
Collin County
17,815 originations
Dallas County
16,600 originations
Denton County
15,653 originations
Montgomery County
12,218 originations
Travis County
11,901 originations
Williamson County
10,885 originations
Fort Bend County
10,882 originations
El Paso County
6,957 originations
Bell County
5,236 originations
Hays County
4,868 originations
Galveston County
4,489 originations
Kaufman County
4,342 originations
Hidalgo County
4,207 originations
Brazoria County
4,204 originations
Ellis County
3,741 originations
Guadalupe County
3,638 originations
Comal County
3,389 originations
Lubbock County
3,298 originations
Johnson County
3,260 originations
Parker County
2,774 originations
Nueces County
2,746 originations
Midland County
2,647 originations
Rockwall County
2,340 originations
Cameron County
2,216 originations
Smith County
2,032 originations
McLennan County
2,014 originations
Grayson County
1,999 originations
Ector County
1,891 originations
Hunt County
1,855 originations
Brazos County
1,821 originations
Randall County
1,736 originations
Webb County
1,567 originations
Taylor County
1,542 originations
Waller County
1,508 originations
Jefferson County
1,464 originations
Wise County
1,385 originations
Bastrop County
1,331 originations
Wichita County
1,063 originations
Tom Green County
1,028 originations
Liberty County
973 originations
Hood County
917 originations
Chambers County
898 originations
Gregg County
866 originations
Coryell County
807 originations
Henderson County
743 originations
Kendall County
730 originations
Medina County
722 originations
Potter County
705 originations
San Patricio County
692 originations
Caldwell County
690 originations
Orange County
660 originations
Burnet County
655 originations
Victoria County
639 originations
Wilson County
586 originations
Angelina County
567 originations
Bowie County
547 originations
Van Zandt County
523 originations
Hardin County
506 originations
Harrison County
482 originations
Atascosa County
446 originations
Navarro County
419 originations
Cooke County
408 originations
Wood County
395 originations
Grimes County
393 originations
Fannin County
386 originations
Walker County
366 originations
Kerr County
355 originations
Nacogdoches County
354 originations
Lampasas County
318 originations
Val Verde County
317 originations
Upshur County
316 originations
Hill County
315 originations
Lamar County
303 originations
Cherokee County
299 originations
Austin County
287 originations
Anderson County
283 originations
Rusk County
282 originations
Polk County
278 originations
Maverick County
246 originations
Gillespie County
246 originations
Aransas County
242 originations
Erath County
241 originations
Hopkins County
232 originations
Washington County
231 originations
Gaines County
226 originations
Howard County
220 originations
Palo Pinto County
220 originations
Andrews County
214 originations
San Jacinto County
214 originations
Matagorda County
207 originations
Wharton County
194 originations
Brown County
192 originations
Montague County
183 originations
Jim Wells County
182 originations
Llano County
182 originations
Moore County
178 originations
Hockley County
178 originations
Milam County
176 originations
Burleson County
175 originations
Jasper County
173 originations
Bandera County
168 originations
Hutchinson County
166 originations
Cass County
159 originations
Hale County
147 originations
Titus County
146 originations
Kleberg County
143 originations
Callahan County
134 originations
Gray County
130 originations
Panola County
128 originations
Freestone County
126 originations
Uvalde County
120 originations
Bee County
119 originations
Bosque County
119 originations
Robertson County
116 originations
Calhoun County
113 originations
Jones County
110 originations
Limestone County
110 originations
Tyler County
109 originations
Blanco County
108 originations
Fayette County
108 originations
Rains County
108 originations
Trinity County
104 originations
Starr County
102 originations
Eastland County
101 originations
Ward County
101 originations
Young County
101 originations
See Texas closing cost details, fee benchmarks, and county comparisons → Texas Closing Costs Guide
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Data source: HMDA Modified Loan Application Register 2024, 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.