Homebuyers in Bell County County who chose SPARK MORTGAGE, LLC paid $7,012 less in closing costs than the county median.
County Median Costs
$7,012
−16.5% vs Texas ($8,397)
Median Rate
6.000%
−7.5% vs national (6.490%)
Median Origination
$0
Purchase Originations
5,583
Denial Rate
8.5%
vs Texas avg (12.0%)
vs Texas Median
16.5% below
$-1,385
vs National Median
5.0% above
$332
46 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.188% | $0 | 12 | −$5,440 | |
| 2 | $2,303 | 10.650% | $1,275 | 13 | −$3,137 | |
| 3 | $2,972 | 6.125% | $0 | 11 | −$2,468 | |
| 4 | $2,991 | 6.375% | $0 | 27 | −$2,449 | |
| 5 | $3,218 | 5.120% | $1,550 | 16 | −$2,222 | |
| 6 | $3,413 | 5.375% | $0 | 33 | −$2,027 | |
| 7 | $3,746 | 6.490% | $558 | 12 | −$1,694 | |
| 8 | $3,937 | 6.438% | $349 | 20 | −$1,503 | |
| 9 | $4,460 | 6.500% | $1,098 | 28 | −$980 | |
| 10 | $4,548 | 6.625% | $1,445 | 196 | −$892 | |
| 11 | $4,801 | 6.500% | $1,656 | 54 | −$639 | |
| 12 | $5,343 | 6.375% | $2,916 | 22 | −$97 | |
| 13 | $5,546 | 6.875% | $1,100 | 10 | +$106 | |
| 14 | $6,028 | 6.562% | $3,382 | 12 | +$588 | |
| 15 | $6,139 | 6.490% | $2,834 | 46 | +$699 | |
| 16 | $6,333 | 6.624% | $2,685 | 59 | +$893 | |
| 17 | $6,360 | 6.625% | $3,361 | 43 | +$920 | |
| 18 | $6,564 | 6.375% | $3,712 | 23 | +$1,124 | |
| 19 | $6,785 | 6.433% | $3,487 | 24 | +$1,345 | |
| 20 | $7,611 | 8.915% | $4,500 | 14 | +$2,171 | |
| 21 | $7,687 | 5.875% | $4,111 | 83 | +$2,247 | |
| 22 | $8,560 | 6.888% | $5,550 | 10 | +$3,120 |
Includes lenders with 10+ purchase originations in Bell County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Texas → Lender Directory
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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.