Average Loan Estimate Fees in Texas (2026)
Last Updated: April 2026 · Data: Optimal Blue OBMMI via Federal Reserve FRED API
Texas Average
$6,395
Total lender & third-party fees
National Average
$6,550
Texas is 2% below the national average
Fee-by-Fee Breakdown (2026)
| Fee Type | Texas | National | Negotiable? |
|---|---|---|---|
| Origination Fee | $1,550 | $1,855 | Yes |
| Underwriting Fee | $820 | $850 | Yes |
| Processing Fee | $645 | $635 | Yes |
| Application Fee | $270 | $265 | Yes |
| Rate Lock Fee | $325 | $320 | Yes |
| Appraisal Fee | $540 | $530 | No |
| Title Insurance | $1,300 | $1,325 | No |
| Settlement Fee | $700 | $530 | Yes |
| Document Prep Fee | $215 | $210 | Yes |
| Flood Certification | $30 | $30 | No |
| Total | $6,395 | $6,550 |
Mortgage Closing Costs in Texas
In 2026, borrowers in Texas can expect total loan estimate fees of approximately $6,395 on average — 2% lower than the national average of $6,550. The lower costs in Texas reflect a competitive local lending market and relatively lower operating costs for title and settlement services. Of the fees listed above, the negotiable ones represent your best opportunity to reduce out-of-pocket closing costs — simply asking your lender to reduce or waive these fees before closing can save hundreds of dollars.
Data Note
Fee benchmarks reflect 2026 market conditions. Lender fees have trended approximately 2% higher per year since 2023 due to operational cost increases. Actual fees on your Loan Estimate may vary by lender, loan type, and loan amount.
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