Lowest closing cost mortgage lenders in Smith County County, Texas
In Smith County, Texas, homebuyers paid a median of $7,171 in closing costs in 2024 — below the Texas median of $8,418. The county saw 2,032 purchase mortgages at a median rate of 6.75%. Among lenders with 10+ originations, FIRST CHOICE MH LLC offered the lowest median costs at $2,670, which is $3,535 less than the county median.
Homebuyers in Smith County County who chose FIRST CHOICE MH LLC paid $4,501 less in closing costs than the county median.
County Median Costs
$7,171
−14.8% vs Texas ($8,418)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$2,739
Purchase Originations
2,032
vs Texas Median
14.8% below
$-1,247
vs National Median
6.4% above
$430
Lender rankings in Smith County County
31 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,670 | 10.350% | $1,429 | 31 | −$3,535 | |
| 2 | $3,130 | 8.725% | $2,947 | 10 | −$3,075 | |
| 3 | $3,834 | 7.240% | $575 | 39 | −$2,371 | |
| 4 | $3,999 | 7.500% | $1,000 | 38 | −$2,206 | |
| 5 | $4,397 | 6.750% | $1,636 | 11 | −$1,808 | |
| 6 | $4,500 | 6.500% | $1,982 | 14 | −$1,705 | |
| 7 | $4,590 | 6.375% | $1,125 | 12 | −$1,615 | |
| 8 | $4,667 | 7.500% | $1,060 | 61 | −$1,538 | |
| 9 | $4,826 | 6.625% | $1,124 | 13 | −$1,379 | |
| 10 | $4,924 | 6.875% | $1,495 | 29 | −$1,281 | |
| 11 | $4,979 | 6.998% | $2,336 | 145 | −$1,226 | |
| 12 | $5,331 | 6.600% | $1,808 | 18 | −$874 | |
| 13 | $5,715 | 6.875% | $1,670 | 37 | −$490 | |
| 14 | $5,989 | 7.125% | $2,736 | 14 | −$216 | |
| 15 | $5,997 | 6.375% | $2,794 | 29 | −$208 | |
| 16 | $6,099 | 6.990% | $2,545 | 87 | −$106 | |
| 17 | $6,206 | 6.625% | $2,710 | 12 | +$1 | |
| 18 | $6,591 | 6.375% | $1,819 | 16 | +$386 | |
| 19 | $6,627 | 7.125% | $3,320 | 30 | +$422 | |
| 20 | $6,665 | 6.495% | $4,050 | 18 | +$460 | |
| 21 | $6,672 | 9.580% | $3,914 | 32 | +$467 | |
| 22 | $6,838 | 6.990% | $3,829 | 11 | +$633 | |
| 23 | $6,910 | 6.990% | $3,931 | 15 | +$705 | |
| 24 | $7,003 | 6.500% | $4,356 | 142 | +$798 | |
| 25 | $7,630 | 6.625% | $4,023 | 18 | +$1,425 | |
| 26 | $7,953 | 6.990% | $3,580 | 11 | +$1,748 | |
| 27 | $8,938 | 6.500% | $5,299 | 43 | +$2,733 | |
| 28 | $10,327 | 6.750% | $6,312 | 55 | +$4,122 | |
| 29 | $11,251 | 6.875% | $6,315 | 20 | +$5,046 |
Includes lenders with 10+ purchase originations in Smith 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.