Mortgage Lenders and Brokers in Sour Lake, Texas
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Sour Lake, Texas mortgage lenders include Neches Federal Credit UnionNeches Federal Credit Union1955 Dowlen Rd, Beaumont, TX 77706 3330A+5.0 ★Texas Ratio: 0.97%, Rave Financial Credit UnionRave Financial Credit Union1810 N Major Dr, Beaumont, TX 77713A+5.0 ★Texas Ratio: 3.39%, Dugood Federal Credit UnionDugood Federal Credit Union7505 Eastex Fwy Ste B, Beaumont, TX 77708A+5.0 ★Texas Ratio: 0.43%, Fivepoint Credit UnionFivepoint Credit Union4005 Dowlen Rd, Beaumont, TX 77706 6850, Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.13737 Noel Rd, Dallas, TX 75240A+5.0 ★Texas Ratio: 2.85%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, Mct Credit UnionMct Credit Union3950 Dowlen Rd, Beaumont, TX 77706A+5.0 ★Texas Ratio: 1.72%, Education First Federal Credit UnionEducation First Federal Credit Union740 Fannin St, Beaumont, TX 77701A+5.0 ★Texas Ratio: 3.82%, and ShelbyShelby1110 Hurst St, Center, TX 75935A5.0 ★Texas Ratio: 8.54%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Sour Lake, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sour Lake are listed first, then lenders elsewhere in Texas, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Sour Lake, Texas
Market share is the lender's share of all home loans closed in Sour Lake, Texas. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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1955 Dowlen Rd, Beaumont, TX 77706 3330 A+5.0 ★Texas Ratio: 0.97% |
Conventional | 9 | 7.2% | 81.8% | $240,555 | View |
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1810 N Major Dr, Beaumont, TX 77713 A+5.0 ★Texas Ratio: 3.39% |
Conventional | 5 | 4% | 60% | $161,000 | View |
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7505 Eastex Fwy Ste B, Beaumont, TX 77708 A+5.0 ★Texas Ratio: 0.43% |
Conventional | 4 | 3.2% | 100% | $202,500 | |
Fivepoint Credit Union
4005 Dowlen Rd, Beaumont, TX 77706 6850 |
Conventional | 3 | 2.4% | 80% | $41,666 | |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $255,000 | View |
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13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.8% | 100% | $255,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional | 1 | 0.8% | 100% | $205,000 | |
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3950 Dowlen Rd, Beaumont, TX 77706 A+5.0 ★Texas Ratio: 1.72% |
Conventional | 1 | 0.8% | 100% | $215,000 | View |
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740 Fannin St, Beaumont, TX 77701 A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.8% | 100% | $235,000 | View |
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1110 Hurst St, Center, TX 75935 A5.0 ★Texas Ratio: 8.54% |
Conventional | 1 | 0.8% | 100% | $355,000 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
Conventional | 1 | 0.8% | 100% | $55,000 | View |
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105 Loop 59, Atlanta, TX 75551 A+5.0 ★Texas Ratio: 4.75% |
Conventional | 1 | 0.8% | 100% | $175,000 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
Conventional | 1 | 0.8% | 100% | $635,000 | View |
Citizens State Bank
224 N Main St, Anton, TX 79313 |
Conventional | 1 | 0.8% | 100% | $185,000 | |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA | 12 | 9.6% | 80% | $235,833 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.8% | 25% | $45,000 | |
Click n' Close, Inc.
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FHA | 1 | 0.8% | 100% | $105,000 | |
Encompass Lending Group, L.P.
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Conventional | 1 | 0.8% | 100% | $185,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.8% | 100% | $85,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 12 | 9.6% | 81.2% | $235,000 | View |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 11 | 8.8% | 100% | $222,272 | View |
United Wholesale Mortgage
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FHA, VA | 7 | 5.6% | 77.8% | $259,285 | |
21St Mortgage
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Conventional | 6 | 4.8% | 42.9% | $151,666 | |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 4 +1 HELOCs |
3.2% | 100% | $115,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 4 | 3.2% | 72.2% | $107,500 | View |
Mortgage Research Center
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VA | 4 | 3.2% | 100% | $375,000 | |
Canopy Mortgage, LLC
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Conventional, FHA, VA | 3 | 2.4% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
FHA, VA | 2 | 1.6% | 100% | $355,000 | View |
Guaranteed Rate, Inc.
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Conventional, VA | 2 | 1.6% | 100% | $410,000 | |
Freedom Mortgage Corporation
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FHA, VA, Jumbo | 2 | 1.6% | 100% | $725,000 | |
Fairway Independent Mort Corp
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Conventional | 2 | 1.6% | 100% | $205,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.8% | 100% | $445,000 | |
Newrez LLC
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Conventional | 1 | 0.8% | 100% | $235,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.8% | 100% | $115,000 | |
Hamilton Mortgage Corporation
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FHA | 1 | 0.8% | 100% | $505,000 | |
Kind Lending, LLC
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Conventional | 1 | 0.8% | 50% | $315,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
VA | 1 | 0.8% | 100% | $735,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.8% | 100% | $175,000 | |
Cmg Mortgage Inc
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VA | 1 | 0.8% | 100% | $345,000 | |
United Built Homes, LLC
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Conventional | 1 | 0.8% | 75% | $325,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.8% | 100% | $375,000 | |
Nfm, Inc
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Conventional | 1 | 0.8% | 100% | $195,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 0.8% | 100% | $275,000 | |
Shoreham Bank
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FHA | 1 | 0.8% | 100% | $25,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.8% | 100% | $135,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.8% | 100% | $265,000 | |
Mld Mortgage, Inc.Dba the Money Store
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Conventional | 1 | 0.8% | 100% | $205,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.8% | 100% | $215,000 | |
Village Capital & Investment
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VA | 1 | 0.8% | 100% | $455,000 | |
JMAC Lending, Inc.
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FHA | 1 | 0.8% | 100% | $345,000 |
Sour Lake Mortgage Rate Trends
Daily average mortgage rates for Texas compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Sour Lake, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Sour Lake? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sour Lake in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sour Lake, TX
Use these to narrow the list above. Each category shows how many Sour Lake, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Sour Lake, TX
Independent mortgage companies closed 72 percent of home loans in Sour Lake, Texas in 2025, banks 8 percent and credit unions 20 percent. Everett Financial, Inc. was the largest mortgage company, Bank of America NA the largest bank and Neches Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Neches Federal Credit Union led with 9 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Texas. None; Texas has no real estate transfer tax or mortgage tax, only flat county recording fees.
More Texas Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Sour Lake, TX
By home loans closed in 2025, Neches Federal Credit Union was the largest mortgage lender in Sour Lake, Texas with 9 loans, about 7.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
15 lenders closed FHA loans in Sour Lake, Texas in 2025, led by DHI Mortgage Company, LTD. with 9. 12 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 10 banks and 8 credit unions closed home loans in Sour Lake, Texas in 2025, alongside 33 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Sour Lake, Texas during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Sour Lake, Texas for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Sour Lake. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
