Lowest closing cost mortgage lenders in Harris County County, Texas
In Harris County, Texas, homebuyers paid a median of $8,554 in closing costs in 2024 — near the Texas median of $8,418. The county saw 36,511 purchase mortgages at a median rate of 6.50%. Among lenders with 10+ originations, Discover Bank offered the lowest median costs at $0, which is $7,121 less than the county median.
Homebuyers in Harris County County who chose Discover Bank paid $8,554 less in closing costs than the county median.
County Median Costs
$8,554
+1.6% vs Texas ($8,418)
Median Rate
6.500%
−1.8% vs national (6.620%)
Median Origination
$2,683
Purchase Originations
36,511
vs Texas Median
1.6% above
$136
vs National Median
26.9% above
$1,813
Lender rankings in Harris County County
229 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $0 | 6.830% | $0 | 11 | −$7,121 | |
| 2 | $545 | 5.875% | $0 | 13 | −$6,576 | |
| 3 | $904 | 9.329% | $831 | 14 | −$6,217 | |
| 4 | $1,153 | 5.750% | $0 | 77 | −$5,968 | |
| 5 | $1,808 | 11.250% | $1,057 | 66 | −$5,313 | |
| 6 | $2,889 | 6.375% | $0 | 143 | −$4,232 | |
| 7 | $2,981 | 6.112% | $258 | 48 | −$4,140 | |
| 8 | $3,039 | 6.875% | $0 | 59 | −$4,082 | |
| 9 | $3,188 | 6.000% | $495 | 11 | −$3,932 | |
| 10 | $3,488 | 6.500% | $1,371 | 20 | −$3,633 | |
| 11 | $3,569 | 7.500% | $1,160 | 211 | −$3,552 | |
| 12 | $3,628 | 6.500% | $620 | 76 | −$3,493 | |
| 13 | $3,686 | 5.500% | $0 | 179 | −$3,435 | |
| 14 | $3,702 | 6.750% | $500 | 26 | −$3,419 | |
| 15 | $3,745 | 5.963% | $815 | 76 | −$3,376 | |
| 16 | $3,786 | 6.000% | $0 | 44 | −$3,335 | |
| 17 | $3,854 | 6.625% | $75 | 15 | −$3,268 | |
| 18 | $3,860 | 6.812% | $685 | 176 | −$3,261 | |
| 19 | $3,873 | 6.250% | $1,711 | 158 | −$3,248 | |
| 20 | $3,948 | 7.850% | $495 | 166 | −$3,173 | |
| 21 | $4,032 | 6.495% | $0 | 78 | −$3,089 | |
| 22 | $4,101 | 4.990% | $1,706 | 285 | −$3,020 | |
| 23 | $4,116 | 6.250% | $1,435 | 386 | −$3,005 | |
| 24 | $4,133 | 6.000% | $0 | 14 | −$2,988 | |
| 25 | $4,165 | 6.625% | $0 | 34 | −$2,956 | |
| 26 | $4,274 | 6.500% | $1,316 | 97 | −$2,847 | |
| 27 | $4,282 | 6.562% | $895 | 10 | −$2,839 | |
| 28 | $4,451 | 7.625% | $1,285 | 18 | −$2,670 | |
| 29 | $4,480 | 6.375% | $715 | 84 | −$2,641 | |
| 30 | $4,491 | 7.500% | $1,145 | 27 | −$2,630 | |
| 31 | $4,558 | 5.490% | $126 | 328 | −$2,563 | |
| 32 | $4,647 | 6.500% | $250 | 70 | −$2,474 | |
| 33 | $4,666 | 6.750% | $1,752 | 16 | −$2,455 | |
| 34 | $4,787 | 6.625% | $1,495 | 70 | −$2,334 | |
| 35 | $4,900 | 7.062% | $333 | 12 | −$2,221 | |
| 36 | $4,987 | 6.625% | $825 | 27 | −$2,134 | |
| 37 | $5,093 | 6.750% | $600 | 11 | −$2,028 | |
| 38 | $5,116 | 6.375% | $950 | 25 | −$2,005 | |
| 39 | $5,164 | 6.500% | $915 | 81 | −$1,957 | |
| 40 | $5,174 | 6.525% | $1,640 | 196 | −$1,947 | |
| 41 | $5,177 | 6.625% | $0 | 139 | −$1,944 | |
| 42 | $5,180 | 5.750% | $1,200 | 75 | −$1,941 | |
| 43 | $5,206 | 6.490% | $1,595 | 1,365 | −$1,915 | |
| 44 | $5,268 | 6.688% | $1,000 | 30 | −$1,853 | |
| 45 | $5,364 | 5.625% | $1,515 | 17 | −$1,757 | |
| 46 | $5,403 | 6.250% | $1,500 | 43 | −$1,718 | |
| 47 | $5,508 | 6.000% | $1,490 | 13 | −$1,613 | |
| 48 | $5,512 | 6.375% | $2,208 | 52 | −$1,609 | |
| 49 | $5,603 | 6.625% | $2,658 | 70 | −$1,518 | |
| 50 | $5,648 | 6.500% | $1,651 | 13 | −$1,473 | |
| 51 | $5,672 | 6.562% | $2,827 | 10 | −$1,449 | |
| 52 | $5,681 | 6.490% | $1,112 | 57 | −$1,440 | |
| 53 | $5,683 | 6.500% | $2,000 | 103 | −$1,438 | |
| 54 | $5,702 | 6.625% | $1,050 | 12 | −$1,419 | |
| 55 | $5,875 | 6.125% | $1,494 | 17 | −$1,246 | |
| 56 | $5,884 | 6.500% | $2,228 | 53 | −$1,237 | |
| 57 | $5,907 | 6.625% | $2,361 | 47 | −$1,214 | |
| 58 | $5,922 | 6.875% | $1,818 | 24 | −$1,199 | |
| 59 | $5,929 | 6.990% | $2,304 | 11 | −$1,192 | |
| 60 | $5,971 | 6.625% | $1,787 | 11 | −$1,150 | |
| 61 | $5,971 | 6.875% | $1,205 | 12 | −$1,150 | |
| 62 | $5,982 | 6.375% | $2,306 | 172 | −$1,139 | |
| 63 | $6,001 | 6.875% | $1,670 | 78 | −$1,120 | |
| 64 | $6,015 | 6.375% | $1,475 | 31 | −$1,106 | |
| 65 | $6,100 | 6.625% | $2,886 | 63 | −$1,021 | |
| 66 | $6,106 | 6.375% | $1,295 | 18 | −$1,015 | |
| 67 | $6,161 | 6.625% | $2,027 | 61 | −$960 | |
| 68 | $6,200 | 6.312% | $1,161 | 18 | −$921 | |
| 69 | $6,271 | 5.990% | $1,650 | 177 | −$850 | |
| 70 | $6,274 | 6.625% | $600 | 11 | −$847 | |
| 71 | $6,279 | 9.000% | $3,150 | 39 | −$842 | |
| 72 | $6,306 | 6.500% | $1,755 | 50 | −$815 | |
| 73 | $6,315 | 6.375% | $1,472 | 403 | −$806 | |
| 74 | $6,368 | 6.500% | $2,539 | 27 | −$753 | |
| 75 | $6,382 | 7.000% | $2,855 | 139 | −$739 | |
| 76 | $6,383 | 6.625% | $2,790 | 55 | −$738 | |
| 77 | $6,496 | 6.500% | $3,165 | 15 | −$625 | |
| 78 | $6,509 | 6.625% | $3,900 | 15 | −$612 | |
| 79 | $6,544 | 6.625% | $1,929 | 37 | −$577 | |
| 80 | $6,576 | 7.058% | $2,610 | 30 | −$545 | |
| 81 | $6,623 | 6.375% | $1,910 | 202 | −$498 | |
| 82 | $6,722 | 6.500% | $3,154 | 16 | −$399 | |
| 83 | $6,810 | 6.812% | $1,632 | 18 | −$311 | |
| 84 | $6,879 | 6.600% | $1,698 | 107 | −$242 | |
| 85 | $6,883 | 7.125% | $2,839 | 31 | −$238 | |
| 86 | $6,893 | 7.125% | $3,330 | 52 | −$228 | |
| 87 | $6,932 | 6.500% | $2,750 | 97 | −$189 | |
| 88 | $6,942 | 6.624% | $2,870 | 298 | −$180 | |
| 89 | $6,977 | 6.600% | $2,122 | 153 | −$144 | |
| 90 | $6,981 | 6.875% | $2,441 | 26 | −$140 | |
| 91 | $6,996 | 6.938% | $3,429 | 12 | −$125 | |
| 92 | $6,998 | 6.375% | $750 | 12 | −$123 | |
| 93 | $6,998 | 6.875% | $1,963 | 88 | −$123 | |
| 94 | $7,028 | 6.990% | $3,634 | 16 | −$93 | |
| 95 | $7,063 | 6.990% | $2,794 | 12 | −$58 | |
| 96 | $7,086 | 6.625% | $3,345 | 29 | −$35 | |
| 97 | $7,154 | 6.750% | $2,929 | 149 | +$33 | |
| 98 | $7,181 | 6.750% | $1,499 | 33 | +$60 | |
| 99 | $7,195 | 6.750% | $2,725 | 200 | +$74 | |
| 100 | $7,244 | 6.375% | $1,325 | 58 | +$123 | |
| 101 | $7,310 | 6.990% | $3,121 | 46 | +$189 | |
| 102 | $7,330 | 5.750% | $1,290 | 92 | +$209 | |
| 103 | $7,370 | 6.500% | $1,865 | 42 | +$249 | |
| 104 | $7,408 | 6.500% | $4,135 | 1,375 | +$287 | |
| 105 | $7,459 | 6.990% | $3,245 | 32 | +$338 | |
| 106 | $7,463 | 6.562% | $2,481 | 148 | +$342 | |
| 107 | $7,472 | 6.625% | $3,629 | 82 | +$351 | |
| 108 | $7,474 | 6.250% | $5,339 | 97 | +$353 | |
| 109 | $7,489 | 6.870% | $4,126 | 14 | +$368 | |
| 110 | $7,501 | 6.875% | $3,433 | 82 | +$380 | |
| 111 | $7,504 | 6.125% | $3,637 | 104 | +$383 | |
| 112 | $7,514 | 6.375% | $3,262 | 91 | +$393 | |
| 113 | $7,520 | 6.625% | $3,903 | 74 | +$399 | |
| 114 | $7,547 | 6.625% | $3,822 | 272 | +$426 | |
| 115 | $7,550 | 6.945% | $2,264 | 26 | +$429 | |
| 116 | $7,634 | 7.125% | $1,595 | 77 | +$513 | |
| 117 | $7,670 | 6.625% | $4,468 | 13 | +$549 | |
| 118 | $7,688 | 6.625% | $3,375 | 531 | +$567 | |
| 119 | $7,690 | 6.750% | $3,840 | 19 | +$569 | |
| 120 | $7,706 | 6.625% | $4,290 | 68 | +$585 | |
| 121 | $7,755 | 6.625% | $4,115 | 271 | +$634 | |
| 122 | $7,767 | 6.750% | $3,669 | 85 | +$646 | |
| 123 | $7,794 | 6.875% | $4,053 | 59 | +$673 | |
| 124 | $7,928 | 5.938% | $3,922 | 24 | +$807 | |
| 125 | $8,053 | 6.375% | $1,920 | 526 | +$932 | |
| 126 | $8,083 | 7.125% | $3,969 | 25 | +$962 | |
| 127 | $8,089 | 6.250% | $1,195 | 15 | +$968 | |
| 128 | $8,141 | 6.625% | $3,140 | 73 | +$1,020 | |
| 129 | $8,147 | 6.625% | $3,697 | 70 | +$1,026 | |
| 130 | $8,151 | 6.625% | $4,204 | 3,006 | +$1,030 | |
| 131 | $8,162 | 5.990% | $4,042 | 48 | +$1,041 | |
| 132 | $8,177 | 6.625% | $4,053 | 269 | +$1,056 | |
| 133 | $8,180 | 6.625% | $4,282 | 41 | +$1,059 | |
| 134 | $8,196 | 6.624% | $3,791 | 185 | +$1,075 | |
| 135 | $8,197 | 6.990% | $2,744 | 113 | +$1,076 | |
| 136 | $8,203 | 6.312% | $4,483 | 12 | +$1,082 | |
| 137 | $8,227 | 6.875% | $3,702 | 337 | +$1,106 | |
| 138 | $8,234 | 6.125% | $4,178 | 200 | +$1,113 | |
| 139 | $8,246 | 6.500% | $4,080 | 26 | +$1,125 | |
| 140 | $8,249 | 6.375% | $4,272 | 532 | +$1,128 | |
| 141 | $8,254 | 6.625% | $3,561 | 160 | +$1,133 | |
| 142 | $8,334 | 6.625% | $4,378 | 123 | +$1,213 | |
| 143 | $8,336 | 6.500% | $1,635 | 14 | +$1,215 | |
| 144 | $8,344 | 6.750% | $3,868 | 54 | +$1,223 | |
| 145 | $8,375 | 6.125% | $4,551 | 36 | +$1,254 | |
| 146 | $8,383 | 6.250% | $3,113 | 134 | +$1,262 | |
| 147 | $8,412 | 6.125% | $3,900 | 17 | +$1,291 | |
| 148 | $8,454 | 6.625% | $4,277 | 286 | +$1,333 | |
| 149 | $8,541 | 6.433% | $4,412 | 28 | +$1,420 | |
| 150 | $8,564 | 6.625% | $5,170 | 21 | +$1,443 | |
| 151 | $8,576 | 6.625% | $4,540 | 117 | +$1,455 | |
| 152 | $8,635 | 6.625% | $4,156 | 55 | +$1,514 | |
| 153 | $8,640 | 6.875% | $4,905 | 268 | +$1,519 | |
| 154 | $8,679 | 6.625% | $4,356 | 43 | +$1,558 | |
| 155 | $8,687 | 6.625% | $4,159 | 18 | +$1,566 | |
| 156 | $8,712 | 5.875% | $0 | 11 | +$1,591 | |
| 157 | $8,761 | 6.625% | $1,498 | 148 | +$1,640 | |
| 158 | $8,809 | 6.875% | $4,971 | 326 | +$1,688 | |
| 159 | $8,839 | 6.562% | $2,600 | 108 | +$1,718 | |
| 160 | $8,870 | 6.250% | $3,153 | 30 | +$1,749 | |
| 161 | $9,003 | 6.875% | $5,051 | 46 | +$1,882 | |
| 162 | $9,027 | 6.625% | $1,342 | 111 | +$1,906 | |
| 163 | $9,078 | 6.875% | $4,185 | 12 | +$1,957 | |
| 164 | $9,097 | 6.990% | $5,231 | 103 | +$1,976 | |
| 165 | $9,121 | 6.625% | $4,540 | 23 | +$2,000 | |
| 166 | $9,127 | 7.188% | $4,701 | 22 | +$2,006 | |
| 167 | $9,151 | 6.624% | $5,845 | 59 | +$2,030 | |
| 168 | $9,174 | 6.995% | $4,890 | 12 | +$2,053 | |
| 169 | $9,335 | 6.625% | $5,049 | 270 | +$2,214 | |
| 170 | $9,360 | 6.688% | $1,250 | 22 | +$2,239 | |
| 171 | $9,465 | 6.875% | $5,128 | 34 | +$2,344 | |
| 172 | $9,482 | 6.875% | $5,088 | 12 | +$2,361 | |
| 173 | $9,494 | 7.125% | $5,462 | 11 | +$2,373 | |
| 174 | $9,494 | 6.250% | $995 | 27 | +$2,373 | |
| 175 | $9,560 | 6.562% | $5,851 | 22 | +$2,439 | |
| 176 | $9,653 | 6.562% | $5,300 | 26 | +$2,532 | |
| 177 | $9,696 | 6.090% | $1,250 | 15 | +$2,575 | |
| 178 | $9,714 | 6.625% | $5,070 | 129 | +$2,594 | |
| 179 | $9,717 | 6.875% | $6,241 | 23 | +$2,596 | |
| 180 | $9,729 | 6.625% | $6,507 | 20 | +$2,608 | |
| 181 | $9,760 | 9.750% | $6,805 | 71 | +$2,639 | |
| 182 | $9,762 | 7.058% | $5,704 | 10 | +$2,641 | |
| 183 | $9,814 | 6.875% | $6,290 | 18 | +$2,693 | |
| 184 | $9,844 | 7.062% | $6,192 | 32 | +$2,723 | |
| 185 | $9,885 | 6.990% | $6,271 | 66 | +$2,764 | |
| 186 | $9,994 | 6.562% | $2,616 | 14 | +$2,873 | |
| 187 | $10,025 | 6.875% | $5,622 | 86 | +$2,904 | |
| 188 | $10,031 | 7.438% | $6,888 | 10 | +$2,910 | |
| 189 | $10,045 | 6.500% | $5,915 | 17 | +$2,924 | |
| 190 | $10,065 | 6.250% | $500 | 82 | +$2,944 | |
| 191 | $10,195 | 6.625% | $6,124 | 28 | +$3,074 | |
| 192 | $10,384 | 6.875% | $6,470 | 20 | +$3,263 | |
| 193 | $10,526 | 7.250% | $7,056 | 32 | +$3,405 | |
| 194 | $10,966 | 7.490% | $7,230 | 41 | +$3,845 | |
| 195 | $11,317 | 5.625% | $6,227 | 65 | +$4,196 | |
| 196 | $11,362 | 8.933% | $7,970 | 34 | +$4,241 | |
| 197 | $11,370 | 6.500% | $6,859 | 25 | +$4,249 | |
| 198 | $11,432 | 8.437% | $7,967 | 82 | +$4,311 | |
| 199 | $11,443 | 5.875% | $7,240 | 34 | +$4,322 | |
| 200 | $11,709 | 8.438% | $8,007 | 20 | +$4,588 | |
| 201 | $12,102 | 6.500% | $6,651 | 54 | +$4,981 | |
| 202 | $12,345 | 8.375% | $8,750 | 31 | +$5,224 | |
| 203 | $12,426 | 6.625% | $7,948 | 24 | +$5,305 | |
| 204 | $13,276 | 7.938% | $9,089 | 32 | +$6,155 | |
| 205 | $14,345 | 7.999% | $9,345 | 19 | +$7,224 | |
| 206 | $14,425 | 7.999% | $9,920 | 24 | +$7,304 | |
| 207 | $14,874 | 10.000% | $11,467 | 10 | +$7,753 | |
| 208 | $15,105 | 8.999% | $10,828 | 43 | +$7,984 | |
| 209 | $15,241 | 9.125% | $10,194 | 20 | +$8,120 | |
| 210 | $16,993 | 7.875% | $11,993 | 21 | +$9,872 | |
| 211 | $17,404 | 8.933% | $11,597 | 12 | +$10,283 | |
| 212 | $17,460 | 6.875% | $9,500 | 24 | +$10,339 | |
| 213 | $20,744 | 7.937% | $14,908 | 24 | +$13,623 | |
| 214 | $25,310 | 6.625% | $1,498 | 180 | +$18,189 |
Includes lenders with 10+ purchase originations in Harris 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.