Mortgage Lenders and Brokers in Surfside Beach, 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
Surfside Beach, Texas mortgage lenders include First State BankFirst State Bank200 Brazosport Blvd N, Clute, TX 77531A5.0 ★Texas Ratio: 13.04%, TdecuTdecu2212 Southgate St, Arlington, TX 76013A+5.0 ★Texas Ratio: 5.55%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, Texas Gulf Bank, N.A.Texas Gulf Bank, N.A.1717 N Velasco St, Angleton, TX 77515A+5.0 ★Texas Ratio: 0.00%, Third Coast BankThird Coast Bank5508 W Highway 290, Austin, TX 78735A5.0 ★Texas Ratio: 6.75%, US Bank, N.A.US Bank, N.A.13737 Noel Rd, Dallas, TX 75240A+5.0 ★Texas Ratio: 2.85%, Bny Mellon, N.A.Bny Mellon, N.A.4020 Maple Ave, Dallas, TX 75219A+5.0 ★Texas Ratio: 0.37%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.4650 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 3.72%, Grandview BankGrandview Bank100 Percifield Trl, Alvarado, TX 76009A+5.0 ★Texas Ratio: 0.94%, and Smart Financial Credit UnionSmart Financial Credit Union3201 W Davis St, Conroe, TX 77304 2039A5.0 ★Texas Ratio: 6.46%. 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 Surfside Beach, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Surfside Beach 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 Surfside Beach, Texas
Market share is the lender's share of all home loans closed in Surfside Beach, 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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200 Brazosport Blvd N, Clute, TX 77531 A5.0 ★Texas Ratio: 13.04% |
Conventional | 6 | 7% | 100% | $241,666 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 4 | 4.7% | 100% | $210,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 2.3% | 100% | $520,000 | View |
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1717 N Velasco St, Angleton, TX 77515 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 2.3% | 66.7% | $450,000 | View |
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5508 W Highway 290, Austin, TX 78735 A5.0 ★Texas Ratio: 6.75% |
Conventional | 1 | 1.2% | 100% | $385,000 | View |
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13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.2% | 100% | $425,000 | View |
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4020 Maple Ave, Dallas, TX 75219 A+5.0 ★Texas Ratio: 0.37% |
Conventional | 1 | 1.2% | 100% | $585,000 | View |
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4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 1 | 1.2% | 100% | $425,000 | View |
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100 Percifield Trl, Alvarado, TX 76009 A+5.0 ★Texas Ratio: 0.94% |
Conventional | 1 | 1.2% | 100% | $255,000 | View |
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3201 W Davis St, Conroe, TX 77304 2039 A5.0 ★Texas Ratio: 6.46% |
Conventional | 1 | 1.2% | 100% | $165,000 | View |
Yoakum National Bank
701 N Wells St, Edna, TX 77957 |
Conventional | 1 | 1.2% | 100% | $335,000 | |
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524 E Main St, Bullard, TX 75757 A5.0 ★Texas Ratio: 12.30% |
Conventional | 1 | 1.2% | 100% | $285,000 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 2.73% |
Conventional | 1 | 1.2% | 100% | $505,000 | View |
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4601c Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 1.71% |
Conventional | 1 | 1.2% | 100% | $285,000 | View |
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11201 Clay Rd, Houston, TX 77041 A5.0 ★Texas Ratio: 6.13% |
Conventional | 1 | 1.2% | 100% | $595,000 | View |
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402 9th St, Abernathy, TX 79311 A5.0 ★Texas Ratio: 7.77% |
Conventional | 1 | 1.2% | 50% | $375,000 | View |
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★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 1.2% | 100% | $465,000 | View |
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★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91% |
Conventional | 1 | 1.2% | 33.3% | $155,000 | View |
Network Funding, L.P.
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Conventional | 2 | 2.3% | 100% | $485,000 | |
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A+5.0 ★Texas Ratio: 0.92% |
Conventional, FHA | 2 | 2.3% | 100% | $265,000 | View |
Sfmc, LP
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Conventional | 1 | 1.2% | 50% | $685,000 | |
Click n' Close, Inc.
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FHA | 1 | 1.2% | 100% | $385,000 | |
Hometrust Mortgage Company
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Conventional | 1 | 1.2% | 100% | $385,000 | |
Guaranteed Rate, Inc.
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Conventional, VA | 7 | 8.1% | 87.5% | $315,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 6 | 7% | 85.7% | $293,333 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 4.7% | 66.7% | $357,500 | |
New American Funding, LLC.
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Conventional, FHA | 4 | 4.7% | 100% | $182,500 | |
Royal United Mortgage LLC
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Conventional | 2 | 2.3% | 66.7% | $165,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 2 | 2.3% | 100% | $300,000 | View |
Pennymac Loan Services LLC
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Conventional | 2 | 2.3% | 100% | $430,000 | |
The Loan Store, Inc
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Conventional | 2 | 2.3% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 5.05% |
Conventional | 1 | 1.2% | 100% | $385,000 | View |
Cornerstone First Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $255,000 | |
Lakeview Loan Servicing, LLC
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Conventional | 1 | 1.2% | 50% | $155,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1.2% | 100% | $355,000 | |
Newrez LLC
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VA | 1 | 1.2% | 100% | $415,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 1.2% | 100% | $465,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.2% | 100% | $245,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.2% | 100% | $185,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 1.2% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 0.65% |
Conventional | 1 | 1.2% | 100% | $225,000 | View |
AmWest Funding Corp
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Conventional | 1 | 1.2% | 100% | $255,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 1.2% | 100% | $395,000 | |
Nfm, Inc
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FHA | 1 | 1.2% | 100% | $145,000 | |
Provident Funding Associates
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Conventional | 1 | 1.2% | 100% | $355,000 | |
Nations Lending Corporation
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Conventional | 1 | 1.2% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.2% | 100% | $105,000 | View |
Citadel Servicing Corporation
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Conventional | 1 | 1.2% | 100% | $245,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 1.2% | 100% | $375,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 1.2% | 100% | $515,000 | View |
Fairway Independent Mort Corp
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FHA | 1 | 1.2% | 100% | $135,000 | |
21St Mortgage
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Conventional | 1 | 1.2% | 50% | $135,000 | |
Spring Eq, LLC
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Conventional | 1 | 1.2% | 100% | $155,000 | |
Cadence Bank
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HELOC | 0 +1 HELOCs |
0% | n/a |
Surfside Beach 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 Surfside Beach, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Surfside Beach? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Surfside Beach in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Surfside Beach, TX
Use these to narrow the list above. Each category shows how many Surfside Beach, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Surfside Beach, TX
Independent mortgage companies closed 61.6 percent of home loans in Surfside Beach, Texas in 2025, banks 30.2 percent and credit unions 8.1 percent. Network Funding, L.P. was the largest mortgage company, First State Bank the largest bank and Tdecu the largest credit union. Among lenders headquartered in Texas, First State Bank led with 6 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 Surfside Beach, TX
By home loans closed in 2025, First State Bank was the largest mortgage lender in Surfside Beach, Texas with 6 loans, about 7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
9 lenders closed FHA loans in Surfside Beach, Texas in 2025, led by United Wholesale Mortgage with 2. 4 lenders closed VA loans, led by Guaranteed Rate, Inc.. 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. 19 banks and 4 credit unions closed home loans in Surfside Beach, Texas in 2025, alongside 31 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 Surfside Beach, 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 Surfside Beach, 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 Surfside Beach. 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.
