Grade A · 0% of disclosures flagged for junk fees
Mortgage Company
Avg Closing Costs
$3,666
median across reports
vs. National Average
9%
above national avg
Avg Origination Charge
$879
Section A lender fee
Reports with Junk Fees
0%
of submitted reports
| Fee Category | This Lender (avg) | National Avg | Verdict |
|---|---|---|---|
| discount_points | $1,851 | $2,425 | 🟢 Below Avg |
| Origination Fee | $879 | $1,553 | 🟢 Below Avg |
| lender_credits | $448 | $443 | 🟡 Average |
Got a Loan Estimate from Texas Bank and Trust Company? See if your rate and fees are competitive.
Check My Loan Estimate — $19Based on 228 homebuyer-submitted Closing Disclosures, Texas Bank and Trust Company's median total closing costs are $3,666. This is about 9% above the $3,356 national peer median for comparable lenders. Actual costs vary by loan type, loan amount, property state, and individual borrower profile. This data is informational only and not financial advice.
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What Are Junk Fees on a Mortgage?
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How to Read Your Closing Disclosure
Page-by-page walkthrough of the 5-page form.
Average Closing Costs by State
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Aggregates from Texas Bank and Trust Company's 2025 HMDA filings — actual closed-loan figures reported to federal regulators, compared against the national median across all lenders.
Purchase Originations
132
Median Total Costs
$4,105
−38.5% vs national ($6,680)
Median Rate
6.500%
+0.1% vs national (6.490%)
Median Origination
$960
Median Lender Credits
$45
Denial Rate
12.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 132 | 6.500% | $4,105 | $960 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Texas | 132 | 6.500% | $4,105 | #249 |
| This lender | Texas median | National median | |
|---|---|---|---|
| Total Closing Costs | $4,105 | $8,397 | $6,680 |
| Interest Rate | 6.500% | 6.250% | 6.490% |
| Originations in state | 132 | — | — |
Based on 2025 HMDA data. State and national medians cover all reporting lenders.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Texas Bank and Trust Company | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $335,000 | $335,000 | +$0 (+0.0%) |
| Median total closing costs | $4,105 | $7,127 | −$3,022 (−42.4%) |
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This content is for informational purposes only and does not constitute legal, financial, or tax advice. Consult a licensed professional for advice specific to your situation.