Lowest closing cost mortgage lenders in Gaines County County, Texas
In Gaines County, Texas, homebuyers paid a median of $7,898 in closing costs in 2024 — below the Texas median of $8,418. The county saw 226 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, First United Bank offered the lowest median costs at $4,818, which is $1,221 less than the county median.
Homebuyers in Gaines County County who chose First United Bank paid $3,080 less in closing costs than the county median.
County Median Costs
$7,898
−6.2% vs Texas ($8,418)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$2,323
Purchase Originations
226
vs Texas Median
6.2% below
$-520
vs National Median
17.2% above
$1,157
Lender rankings in Gaines County County
6 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,818 | 7.750% | $1,048 | 16 | −$1,221 | |
| 2 | $5,048 | 6.625% | $1,490 | 13 | −$991 | |
| 3 | $5,056 | 6.625% | $1,538 | 17 | −$983 | |
| 4 | $8,022 | 8.785% | $4,500 | 16 | +$1,983 |
Includes lenders with 10+ purchase originations in Gaines County County. Source: HMDA 2024. 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 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.