Lowest closing cost mortgage lenders in Montgomery County County, Texas
In Montgomery County, Texas, homebuyers paid a median of $8,442 in closing costs in 2024 — near the Texas median of $8,418. The county saw 12,218 purchase mortgages at a median rate of 6.25%. Among lenders with 10+ originations, Shea Mortgage Inc. offered the lowest median costs at $468, which is $6,797 less than the county median.
Homebuyers in Montgomery County County who chose Shea Mortgage Inc. paid $7,974 less in closing costs than the county median.
County Median Costs
$8,442
+0.3% vs Texas ($8,418)
Median Rate
6.250%
−5.6% vs national (6.620%)
Median Origination
$2,023
Purchase Originations
12,218
vs Texas Median
0.3% above
$24
vs National Median
25.2% above
$1,701
Lender rankings in Montgomery County County
125 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $468 | 6.562% | $0 | 14 | −$6,797 | |
| 2 | $1,825 | 6.625% | $0 | 25 | −$5,440 | |
| 3 | $2,260 | 5.750% | $0 | 116 | −$5,005 | |
| 4 | $2,717 | 6.375% | $0 | 22 | −$4,548 | |
| 5 | $3,050 | 6.500% | $0 | 126 | −$4,214 | |
| 6 | $3,401 | 5.775% | $815 | 17 | −$3,864 | |
| 7 | $3,490 | 9.950% | $3,308 | 15 | −$3,775 | |
| 8 | $3,603 | 6.250% | $0 | 72 | −$3,662 | |
| 9 | $3,666 | 5.500% | $0 | 144 | −$3,599 | |
| 10 | $3,780 | 6.562% | $1,671 | 20 | −$3,485 | |
| 11 | $3,798 | 6.438% | $0 | 18 | −$3,467 | |
| 12 | $3,799 | 6.500% | $1 | 11 | −$3,466 | |
| 13 | $4,035 | 4.990% | $1,700 | 270 | −$3,230 | |
| 14 | $4,295 | 9.920% | $2,999 | 12 | −$2,970 | |
| 15 | $4,491 | 6.490% | $83 | 60 | −$2,774 | |
| 16 | $4,607 | 6.750% | $1,160 | 31 | −$2,658 | |
| 17 | $4,801 | 5.625% | $1,515 | 33 | −$2,464 | |
| 18 | $4,818 | 6.500% | $250 | 14 | −$2,447 | |
| 19 | $4,830 | 5.500% | $1,200 | 12 | −$2,435 | |
| 20 | $4,872 | 6.812% | $0 | 22 | −$2,393 | |
| 21 | $5,091 | 6.990% | $1,900 | 38 | −$2,174 | |
| 22 | $5,395 | 6.433% | $1,080 | 10 | −$1,870 | |
| 23 | $5,425 | 6.062% | $1,350 | 52 | −$1,840 | |
| 24 | $5,530 | 6.625% | $1,642 | 175 | −$1,735 | |
| 25 | $5,564 | 6.375% | $1,457 | 39 | −$1,701 | |
| 26 | $5,568 | 6.850% | $1,525 | 43 | −$1,697 | |
| 27 | $5,667 | 6.500% | $1,118 | 34 | −$1,598 | |
| 28 | $5,843 | 6.625% | $1,667 | 21 | −$1,422 | |
| 29 | $5,900 | 6.625% | $1,545 | 42 | −$1,365 | |
| 30 | $6,032 | 6.875% | $1,785 | 18 | −$1,233 | |
| 31 | $6,032 | 6.375% | $1,125 | 66 | −$1,233 | |
| 32 | $6,044 | 6.125% | $2,466 | 61 | −$1,221 | |
| 33 | $6,114 | 6.490% | $1,650 | 72 | −$1,151 | |
| 34 | $6,160 | 5.990% | $2,575 | 19 | −$1,105 | |
| 35 | $6,171 | 6.375% | $3,670 | 15 | −$1,094 | |
| 36 | $6,173 | 6.375% | $1,595 | 21 | −$1,092 | |
| 37 | $6,270 | 7.000% | $3,136 | 10 | −$995 | |
| 38 | $6,302 | 6.875% | $2,867 | 10 | −$963 | |
| 39 | $6,509 | 6.490% | $4,390 | 39 | −$756 | |
| 40 | $6,553 | 6.375% | $2,000 | 10 | −$712 | |
| 41 | $6,667 | 6.812% | $1,542 | 26 | −$598 | |
| 42 | $6,853 | 6.750% | $2,220 | 42 | −$412 | |
| 43 | $6,858 | 6.375% | $2,806 | 22 | −$407 | |
| 44 | $6,892 | 6.700% | $1,640 | 11 | −$373 | |
| 45 | $6,899 | 6.575% | $1,899 | 35 | −$366 | |
| 46 | $6,900 | 5.990% | $1,554 | 40 | −$365 | |
| 47 | $6,904 | 6.250% | $2,633 | 49 | −$361 | |
| 48 | $6,910 | 6.625% | $2,241 | 102 | −$355 | |
| 49 | $7,077 | 6.625% | $2,697 | 19 | −$188 | |
| 50 | $7,149 | 6.000% | $3,397 | 11 | −$116 | |
| 51 | $7,171 | 6.562% | $2,836 | 28 | −$94 | |
| 52 | $7,195 | 6.500% | $4,102 | 13 | −$70 | |
| 53 | $7,265 | 7.500% | $1,460 | 15 | +$0 | |
| 54 | $7,266 | 6.750% | $3,481 | 12 | +$1 | |
| 55 | $7,303 | 7.125% | $2,325 | 11 | +$38 | |
| 56 | $7,349 | 6.933% | $2,357 | 18 | +$84 | |
| 57 | $7,382 | 6.875% | $2,509 | 23 | +$117 | |
| 58 | $7,424 | 6.500% | $3,713 | 278 | +$159 | |
| 59 | $7,435 | 6.875% | $3,070 | 126 | +$170 | |
| 60 | $7,503 | 9.160% | $4,500 | 23 | +$238 | |
| 61 | $7,554 | 6.625% | $1,295 | 34 | +$289 | |
| 62 | $7,612 | 7.125% | $3,454 | 25 | +$347 | |
| 63 | $7,623 | 6.625% | $3,623 | 229 | +$358 | |
| 64 | $7,700 | 6.812% | $3,719 | 44 | +$435 | |
| 65 | $7,860 | 6.125% | $4,398 | 106 | +$595 | |
| 66 | $7,893 | 6.875% | $4,185 | 25 | +$628 | |
| 67 | $7,934 | 6.750% | $2,564 | 33 | +$669 | |
| 68 | $7,966 | 6.625% | $3,949 | 35 | +$701 | |
| 69 | $8,002 | 6.438% | $3,813 | 44 | +$737 | |
| 70 | $8,036 | 6.995% | $4,277 | 50 | +$771 | |
| 71 | $8,125 | 6.990% | $3,790 | 17 | +$860 | |
| 72 | $8,133 | 6.938% | $3,418 | 34 | +$868 | |
| 73 | $8,141 | 6.875% | $2,402 | 12 | +$876 | |
| 74 | $8,154 | 6.812% | $1,342 | 28 | +$889 | |
| 75 | $8,265 | 6.990% | $4,295 | 17 | +$1,000 | |
| 76 | $8,278 | 6.125% | $4,032 | 243 | +$1,013 | |
| 77 | $8,280 | 6.125% | $1,095 | 34 | +$1,015 | |
| 78 | $8,346 | 6.875% | $4,048 | 157 | +$1,081 | |
| 79 | $8,350 | 6.812% | $3,068 | 16 | +$1,085 | |
| 80 | $8,513 | 6.625% | $3,835 | 43 | +$1,248 | |
| 81 | $8,608 | 6.500% | $4,581 | 28 | +$1,343 | |
| 82 | $8,611 | 7.125% | $4,317 | 32 | +$1,346 | |
| 83 | $8,657 | 6.875% | $4,615 | 56 | +$1,392 | |
| 84 | $8,796 | 6.625% | $4,503 | 569 | +$1,531 | |
| 85 | $8,913 | 6.875% | $4,669 | 12 | +$1,648 | |
| 86 | $8,973 | 6.625% | $5,071 | 30 | +$1,708 | |
| 87 | $9,025 | 6.625% | $4,027 | 45 | +$1,760 | |
| 88 | $9,179 | 6.625% | $4,291 | 10 | +$1,914 | |
| 89 | $9,279 | 6.688% | $5,207 | 10 | +$2,014 | |
| 90 | $9,349 | 5.750% | $5,558 | 23 | +$2,084 | |
| 91 | $9,394 | 6.625% | $4,852 | 70 | +$2,129 | |
| 92 | $9,453 | 6.500% | $4,697 | 93 | +$2,188 | |
| 93 | $9,467 | 6.750% | $5,174 | 26 | +$2,202 | |
| 94 | $9,673 | 6.808% | $5,581 | 22 | +$2,408 | |
| 95 | $9,729 | 6.250% | $4,979 | 45 | +$2,464 | |
| 96 | $9,751 | 6.624% | $5,020 | 52 | +$2,486 | |
| 97 | $9,848 | 6.000% | $6,142 | 42 | +$2,583 | |
| 98 | $9,941 | 7.375% | $1,810 | 45 | +$2,676 | |
| 99 | $9,976 | 6.500% | $5,095 | 19 | +$2,711 | |
| 100 | $10,037 | 6.188% | $4,523 | 18 | +$2,772 | |
| 101 | $10,214 | 6.875% | $1,250 | 11 | +$2,949 | |
| 102 | $10,753 | 6.625% | $5,221 | 12 | +$3,488 | |
| 103 | $11,079 | 9.375% | $8,239 | 11 | +$3,814 | |
| 104 | $11,123 | 6.875% | $7,069 | 26 | +$3,858 | |
| 105 | $11,493 | 6.750% | $5,150 | 151 | +$4,228 | |
| 106 | $11,567 | 8.562% | $7,484 | 12 | +$4,302 | |
| 107 | $11,647 | 5.875% | $6,703 | 20 | +$4,382 | |
| 108 | $11,741 | 6.625% | $1,498 | 33 | +$4,476 | |
| 109 | $11,788 | 6.500% | $6,125 | 61 | +$4,523 | |
| 110 | $12,899 | 7.870% | $8,659 | 10 | +$5,634 | |
| 111 | $13,949 | 8.750% | $9,445 | 10 | +$6,684 | |
| 112 | $14,049 | 8.375% | $9,948 | 10 | +$6,784 | |
| 113 | $14,293 | 8.687% | $10,490 | 16 | +$7,028 | |
| 114 | $16,167 | 6.875% | $8,315 | 18 | +$8,902 | |
| 115 | $26,681 | 6.625% | $1,498 | 65 | +$19,416 |
Includes lenders with 10+ purchase originations in Montgomery 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.