Lowest closing cost mortgage lenders in Hays County County, Texas
In Hays County, Texas, homebuyers paid a median of $8,645 in closing costs in 2024 — above the Texas median of $8,418. The county saw 4,868 purchase mortgages at a median rate of 5.88%. Among lenders with 10+ originations, LENNAR MORTGAGE, LLC offered the lowest median costs at $386, which is $6,284 less than the county median.
Homebuyers in Hays County County who chose LENNAR MORTGAGE, LLC paid $8,259 less in closing costs than the county median.
County Median Costs
$8,645
+2.7% vs Texas ($8,418)
Median Rate
5.880%
−11.2% vs national (6.620%)
Median Origination
$1,690
Purchase Originations
4,868
vs Texas Median
2.7% above
$227
vs National Median
28.3% above
$1,904
Lender rankings in Hays County County
57 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $692 | 6.625% | $0 | 15 | −$5,952 | |
| 2 | $1,636 | 6.500% | $0 | 85 | −$5,008 | |
| 3 | $3,510 | 7.625% | $0 | 24 | −$3,134 | |
| 4 | $3,800 | 6.125% | $1,335 | 17 | −$2,844 | |
| 5 | $3,806 | 4.875% | $1,550 | 120 | −$2,838 | |
| 6 | $3,991 | 5.500% | $0 | 150 | −$2,653 | |
| 7 | $4,008 | 5.750% | $0 | 81 | −$2,636 | |
| 8 | $4,362 | 6.125% | $65 | 70 | −$2,282 | |
| 9 | $4,563 | 6.875% | $1,304 | 30 | −$2,081 | |
| 10 | $5,147 | 5.490% | $125 | 88 | −$1,497 | |
| 11 | $5,188 | 6.688% | $1,335 | 12 | −$1,456 | |
| 12 | $5,500 | 5.625% | $614 | 57 | −$1,144 | |
| 13 | $5,568 | 6.375% | $750 | 21 | −$1,076 | |
| 14 | $5,687 | 6.500% | $1,797 | 87 | −$957 | |
| 15 | $5,943 | 5.750% | $1,965 | 72 | −$701 | |
| 16 | $5,981 | 5.625% | $1,200 | 11 | −$663 | |
| 17 | $5,993 | 4.990% | $1,325 | 15 | −$651 | |
| 18 | $6,356 | 6.312% | $2,358 | 12 | −$288 | |
| 19 | $6,526 | 6.433% | $2,296 | 20 | −$118 | |
| 20 | $6,544 | 6.625% | $2,659 | 11 | −$100 | |
| 21 | $6,557 | 6.812% | $2,051 | 12 | −$87 | |
| 22 | $6,559 | 5.990% | $2,103 | 144 | −$85 | |
| 23 | $6,704 | 5.750% | $1,820 | 45 | +$60 | |
| 24 | $6,902 | 6.562% | $2,769 | 22 | +$258 | |
| 25 | $7,002 | 6.625% | $3,732 | 50 | +$358 | |
| 26 | $7,058 | 6.624% | $2,257 | 20 | +$414 | |
| 27 | $7,144 | 6.875% | $3,858 | 12 | +$500 | |
| 28 | $7,184 | 6.250% | $3,786 | 11 | +$540 | |
| 29 | $7,268 | 6.625% | $4,019 | 32 | +$624 | |
| 30 | $7,377 | 6.750% | $1,241 | 16 | +$733 | |
| 31 | $7,693 | 7.000% | $2,635 | 26 | +$1,049 | |
| 32 | $7,792 | 6.500% | $4,064 | 16 | +$1,148 | |
| 33 | $7,945 | 9.000% | $4,050 | 14 | +$1,301 | |
| 34 | $7,966 | 6.875% | $3,370 | 58 | +$1,322 | |
| 35 | $8,050 | 6.312% | $3,082 | 110 | +$1,406 | |
| 36 | $8,435 | 6.875% | $3,662 | 10 | +$1,791 | |
| 37 | $8,480 | 6.625% | $4,598 | 11 | +$1,836 | |
| 38 | $8,490 | 6.875% | $5,009 | 38 | +$1,846 | |
| 39 | $8,792 | 6.490% | $4,675 | 41 | +$2,148 | |
| 40 | $8,823 | 6.500% | $4,125 | 15 | +$2,179 | |
| 41 | $9,307 | 6.625% | $4,895 | 23 | +$2,663 | |
| 42 | $9,429 | 6.188% | $2,446 | 22 | +$2,785 | |
| 43 | $9,493 | 6.375% | $4,029 | 78 | +$2,849 | |
| 44 | $9,835 | 6.624% | $5,757 | 128 | +$3,191 | |
| 45 | $9,910 | 5.688% | $6,159 | 14 | +$3,266 | |
| 46 | $9,930 | 6.912% | $4,587 | 12 | +$3,286 | |
| 47 | $9,970 | 6.500% | $5,285 | 10 | +$3,326 | |
| 48 | $10,053 | 4.990% | $5,557 | 15 | +$3,409 | |
| 49 | $11,960 | 9.938% | $8,750 | 12 | +$5,316 | |
| 50 | $14,352 | 6.188% | $9,771 | 18 | +$7,708 | |
| 51 | $16,865 | 6.062% | $12,490 | 22 | +$10,221 |
Includes lenders with 10+ purchase originations in Hays 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.