Homebuyers in Smith County County who chose FIRST CHOICE MH LLC paid $4,421 less in closing costs than the county median.
County Median Costs
$7,174
−14.6% vs Texas ($8,397)
Median Rate
6.620%
+2.0% vs national (6.490%)
Median Origination
$2,313
Purchase Originations
2,214
Denial Rate
18.4%
vs Texas avg (12.0%)
vs Texas Median
14.6% below
$-1,223
vs National Median
7.4% above
$494
36 lenders with 10+ originations, ranked by median total loan costs.
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,753 | 10.350% | $1,459 | 19 | −$3,277 | |
| 2 | $2,977 | 5.875% | $1,335 | 11 | −$3,053 | |
| 3 | $3,333 | 6.875% | $1,000 | 17 | −$2,697 | |
| 4 | $3,804 | 6.500% | $960 | 43 | −$2,226 | |
| 5 | $3,967 | 6.490% | $718 | 18 | −$2,063 | |
| 6 | $4,365 | 6.487% | $1,480 | 22 | −$1,665 | |
| 7 | $4,541 | 7.150% | $1,100 | 72 | −$1,489 | |
| 8 | $4,733 | 6.625% | $2,225 | 151 | −$1,297 | |
| 9 | $4,831 | 6.375% | $1,628 | 25 | −$1,199 | |
| 10 | $5,046 | 6.625% | $1,937 | 11 | −$984 | |
| 11 | $5,308 | 6.750% | $1,495 | 49 | −$722 | |
| 12 | $5,310 | 6.625% | $1,523 | 13 | −$720 | |
| 13 | $5,325 | 6.562% | $1,419 | 12 | −$705 | |
| 14 | $5,683 | 6.500% | $1,507 | 31 | −$347 | |
| 15 | $5,793 | 6.500% | $1,670 | 46 | −$237 | |
| 16 | $5,892 | 6.990% | $1,145 | 11 | −$138 | |
| 17 | $5,979 | 6.750% | $1,827 | 19 | −$51 | |
| 18 | $6,202 | 6.750% | $2,205 | 91 | +$172 | |
| 19 | $6,297 | 6.990% | $1,725 | 11 | +$267 | |
| 20 | $6,382 | 6.683% | $2,211 | 30 | +$352 | |
| 21 | $6,808 | 6.500% | $4,420 | 115 | +$778 | |
| 22 | $6,952 | 6.625% | $3,534 | 29 | +$922 | |
| 23 | $7,061 | 9.750% | $4,239 | 30 | +$1,031 | |
| 24 | $7,063 | 6.750% | $3,009 | 13 | +$1,033 | |
| 25 | $7,212 | 6.750% | $3,772 | 26 | +$1,182 |
Includes lenders with 10+ purchase originations in Smith County County. Source: HMDA 2025. Sorted by median total loan costs.
View detailed closing cost breakdowns and user reviews for lenders in Texas → Lender Directory
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HMDA data shows industry-wide medians. Your actual quote may differ. Upload your Closing Disclosure or Loan Estimate to see exactly where your fees stand — and get a ready-to-send negotiation email.
Data source: HMDA Modified Loan Application Register 2025, 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.