Top Mortgage Lenders in Beaumont, TX

Which mortgage lender in the Beaumont, TX area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Beaumont, TX area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Beaumont, TX area in terms of interest rate is Magnolia Bank, with an average “Rate Difference” of -0.24%. This means that, comparing similar borrowers, Magnolia Bank provided a -0.24% lower interest rate for its customers than other lenders in the area. Magnolia Bank has a market share of 1.9%. On the other hand, the most popular lender in the Beaumont, TX area is Quicken Loans, with a larger market share of 11.4%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.01% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Beaumont, TX area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Beaumont, TX is JPMorgan Chase Bank. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Fairway Independent Mortgage Corporation. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Magnolia Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Beaumont, TX

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Magnolia Bank-0.24%(4.5)1.89%
JPMorgan Chase Bank-0.21%(4.5)3.74%
Wells Fargo Bank-0.20%(4.5)4.45%
Navy Federal Credit Union-0.12%(4.0)1.15%
USAA-0.12%(4.0)1.83%
Crescent Mortgage Company-0.10%(4.0)1.83%
Flagstar Bank-0.10%(4.0)3.18%
Open Mortgage-0.09%(4.0)5.54%
FBC Mortgage-0.07%(4.0)1.36%
BBVA-0.07%(4.0)2.03%
City Bank-0.06%(4.0)1.89%
Freedom Mortgage Corporation-0.05%(4.0)0.91%
Gateway First Bank-0.04%(3.5)2.33%
Southside Bank-0.03%(3.5)1.06%
Republic State Mortgage Co-0.02%(3.5)6.98%
Plaza Home Mortgage-0.02%(3.5)1.59%
Caliber Home Loans-0.00%(3.5)1.18%
Quicken Loans0.01%(3.5)11.44%
Supreme Lending0.01%(3.5)1.89%
Mid America Mortgage0.02%(3.5)3.74%
Fairway Independent Mortgage Corporation0.03%(3.5)2.36%
loanDepot0.03%(3.5)1.00%
Education First Federal Credit Union0.06%(3.0)2.15%
Academy Mortgage Corporation Utah0.06%(3.0)1.00%
Guaranteed Rate0.06%(3.0)3.68%
MCT Credit Union0.06%(3.0)3.01%
AmCap Home Loans0.07%(3.0)5.75%
First Financial Bank TX0.07%(3.0)4.92%
Mr. Cooper0.10%(3.0)1.39%
Guild Mortgage Company0.15%(3.0)5.84%
Cardinal Financial Company0.16%(2.5)3.54%
Thrive Mortgage0.16%(2.5)3.01%
Mobiloil Federal Credit Union0.19%(2.5)2.36%
Lender NameRate DifferenceRate RatingMarket Share
Magnolia Bank-0.25%(4.5)2.23%
Wells Fargo Bank-0.23%(4.5)4.43%
JPMorgan Chase Bank-0.23%(4.5)3.87%
USAA-0.13%(4.0)2.01%
Navy Federal Credit Union-0.12%(4.0)1.42%
Flagstar Bank-0.10%(4.0)3.35%
Crescent Mortgage Company-0.10%(4.0)2.23%
Open Mortgage-0.09%(4.0)6.55%
FBC Mortgage-0.08%(4.0)1.42%
Freedom Mortgage Corporation-0.07%(4.0)0.89%
BBVA-0.07%(4.0)2.35%
City Bank-0.05%(4.0)2.20%
Republic State Mortgage Co-0.02%(3.5)7.23%
Gateway First Bank-0.02%(3.5)2.20%
Southside Bank-0.01%(3.5)1.01%
Plaza Home Mortgage-0.01%(3.5)1.97%
Caliber Home Loans0.02%(3.5)1.04%
Supreme Lending0.02%(3.5)2.23%
Education First Federal Credit Union0.03%(3.5)0.89%
Mid America Mortgage0.03%(3.5)4.13%
loanDepot0.03%(3.5)0.37%
Quicken Loans0.04%(3.5)8.53%
Fairway Independent Mortgage Corporation0.04%(3.5)2.94%
First Financial Bank TX0.05%(3.5)4.77%
Mobiloil Federal Credit Union0.05%(3.0)1.01%
Mr. Cooper0.06%(3.0)0.82%
Academy Mortgage Corporation Utah0.07%(3.0)1.23%
Guaranteed Rate0.07%(3.0)4.28%
AmCap Home Loans0.10%(3.0)6.41%
MCT Credit Union0.10%(3.0)1.86%
Guild Mortgage Company0.17%(2.5)6.52%
Cardinal Financial Company0.18%(2.5)4.10%
Thrive Mortgage0.18%(2.5)3.50%
Lender NameRate DifferenceRate RatingMarket Share
JPMorgan Chase Bank-0.12%(4.0)3.25%
Gateway First Bank-0.11%(4.0)2.82%
City Bank-0.10%(4.0)0.71%
Open Mortgage-0.09%(4.0)1.69%
AmCap Home Loans-0.09%(4.0)3.25%
Wells Fargo Bank-0.08%(4.0)4.52%
Southside Bank-0.07%(4.0)1.27%
Flagstar Bank-0.07%(4.0)2.54%
Caliber Home Loans-0.06%(4.0)1.69%
Mid America Mortgage-0.05%(4.0)2.26%
USAA-0.05%(4.0)1.13%
Quicken Loans-0.04%(3.5)22.46%
FBC Mortgage-0.03%(3.5)1.13%
Fairway Independent Mortgage Corporation-0.03%(3.5)0.14%
Magnolia Bank-0.03%(3.5)0.56%
Navy Federal Credit Union-0.03%(3.5)0.14%
Crescent Mortgage Company-0.03%(3.5)0.28%
Republic State Mortgage Co-0.03%(3.5)6.07%
Academy Mortgage Corporation Utah-0.03%(3.5)0.14%
Cardinal Financial Company-0.02%(3.5)1.41%
Guild Mortgage Company-0.02%(3.5)3.25%
BBVA-0.02%(3.5)0.85%
Plaza Home Mortgage-0.02%(3.5)0.14%
Freedom Mortgage Corporation-0.01%(3.5)0.99%
Supreme Lending-0.01%(3.5)0.56%
Guaranteed Rate0.00%(3.5)1.41%
loanDepot0.00%(3.5)3.39%
MCT Credit Union0.01%(3.5)7.34%
Thrive Mortgage0.01%(3.5)1.13%
Education First Federal Credit Union0.05%(3.5)6.92%
Mr. Cooper0.11%(3.0)3.53%
First Financial Bank TX0.16%(2.5)5.51%
Mobiloil Federal Credit Union0.23%(2.5)7.49%
Lender NameRate DifferenceRate RatingMarket Share
JPMorgan Chase Bank-0.21%(4.5)5.61%
Wells Fargo Bank-0.21%(4.5)6.48%
Crescent Mortgage Company-0.10%(4.0)2.60%
USAA-0.10%(4.0)1.10%
BBVA-0.07%(4.0)2.56%
City Bank-0.06%(4.0)2.05%
Flagstar Bank-0.06%(4.0)3.06%
Gateway First Bank-0.05%(3.5)2.88%
Open Mortgage-0.04%(3.5)3.47%
Southside Bank-0.03%(3.5)1.60%
FBC Mortgage-0.03%(3.5)1.05%
Navy Federal Credit Union-0.02%(3.5)0.55%
Republic State Mortgage Co-0.02%(3.5)5.84%
Caliber Home Loans-0.00%(3.5)1.05%
Magnolia Bank0.01%(3.5)0.37%
AmCap Home Loans0.02%(3.5)5.29%
Freedom Mortgage Corporation0.02%(3.5)0.41%
Quicken Loans0.03%(3.5)13.33%
Guaranteed Rate0.03%(3.5)2.83%
loanDepot0.03%(3.5)1.32%
Academy Mortgage Corporation Utah0.04%(3.5)0.64%
Plaza Home Mortgage0.04%(3.5)0.55%
Fairway Independent Mortgage Corporation0.05%(3.0)1.10%
Education First Federal Credit Union0.06%(3.0)3.33%
MCT Credit Union0.07%(3.0)4.61%
Mid America Mortgage0.07%(3.0)2.24%
Supreme Lending0.07%(3.0)1.23%
First Financial Bank TX0.08%(3.0)7.21%
Thrive Mortgage0.09%(3.0)1.92%
Guild Mortgage Company0.10%(3.0)5.66%
Cardinal Financial Company0.10%(3.0)3.10%
Mr. Cooper0.13%(3.0)1.37%
Mobiloil Federal Credit Union0.19%(2.5)3.61%
Lender NameRate DifferenceRate RatingMarket Share
Wells Fargo Bank-0.24%(4.5)7.09%
JPMorgan Chase Bank-0.23%(4.5)6.44%
USAA-0.12%(4.0)1.16%
Crescent Mortgage Company-0.10%(4.0)3.54%
BBVA-0.06%(4.0)3.22%
Flagstar Bank-0.05%(3.5)3.22%
City Bank-0.05%(3.5)2.58%
FBC Mortgage-0.02%(3.5)1.03%
Gateway First Bank-0.02%(3.5)2.90%
Open Mortgage-0.02%(3.5)4.25%
Republic State Mortgage Co-0.01%(3.5)6.38%
Southside Bank-0.01%(3.5)1.68%
Navy Federal Credit Union-0.01%(3.5)0.77%
Freedom Mortgage Corporation0.02%(3.5)0.26%
Magnolia Bank0.02%(3.5)0.39%
Education First Federal Credit Union0.03%(3.5)1.55%
Caliber Home Loans0.03%(3.5)0.90%
loanDepot0.04%(3.5)0.52%
Guaranteed Rate0.04%(3.5)3.41%
Mr. Cooper0.05%(3.5)0.39%
AmCap Home Loans0.05%(3.5)6.12%
First Financial Bank TX0.06%(3.0)7.67%
Academy Mortgage Corporation Utah0.06%(3.0)0.84%
Mobiloil Federal Credit Union0.06%(3.0)1.68%
Plaza Home Mortgage0.06%(3.0)0.71%
Fairway Independent Mortgage Corporation0.07%(3.0)1.48%
Quicken Loans0.08%(3.0)9.47%
Supreme Lending0.09%(3.0)1.55%
MCT Credit Union0.11%(3.0)3.22%
Thrive Mortgage0.11%(3.0)2.26%
Mid America Mortgage0.11%(3.0)2.38%
Guild Mortgage Company0.12%(3.0)7.15%
Cardinal Financial Company0.13%(3.0)3.80%
Lender NameRate DifferenceRate RatingMarket Share
Gateway First Bank-0.12%(4.0)2.82%
JPMorgan Chase Bank-0.12%(4.0)3.60%
City Bank-0.11%(4.0)0.78%
Open Mortgage-0.11%(4.0)1.56%
AmCap Home Loans-0.10%(4.0)3.29%
Wells Fargo Bank-0.08%(4.0)5.01%
Flagstar Bank-0.08%(4.0)2.66%
Southside Bank-0.08%(4.0)1.41%
Caliber Home Loans-0.07%(4.0)1.41%
USAA-0.06%(4.0)0.94%
Mid America Mortgage-0.06%(4.0)1.88%
Quicken Loans-0.04%(3.5)22.69%
FBC Mortgage-0.04%(3.5)1.10%
Fairway Independent Mortgage Corporation-0.04%(3.5)0.16%
Guild Mortgage Company-0.04%(3.5)2.03%
Crescent Mortgage Company-0.03%(3.5)0.31%
Academy Mortgage Corporation Utah-0.03%(3.5)0.16%
Cardinal Financial Company-0.03%(3.5)1.41%
Magnolia Bank-0.03%(3.5)0.31%
BBVA-0.02%(3.5)0.94%
Plaza Home Mortgage-0.02%(3.5)0.16%
Republic State Mortgage Co-0.02%(3.5)4.54%
Freedom Mortgage Corporation-0.01%(3.5)0.78%
Guaranteed Rate-0.00%(3.5)1.41%
Supreme Lending0.00%(3.5)0.47%
loanDepot0.00%(3.5)3.29%
MCT Credit Union0.00%(3.5)7.98%
Thrive Mortgage0.01%(3.5)1.10%
Education First Federal Credit Union0.05%(3.5)7.67%
Mr. Cooper0.12%(3.0)3.76%
First Financial Bank TX0.15%(2.5)6.10%
Mobiloil Federal Credit Union0.23%(2.5)8.29%
Lender NameRate DifferenceRate RatingMarket Share
Magnolia Bank-0.31%(5.0)5.15%
Flagstar Bank-0.22%(4.5)3.58%
Open Mortgage-0.15%(4.5)10.83%
FBC Mortgage-0.13%(4.0)2.42%
Freedom Mortgage Corporation-0.11%(4.0)1.79%
Crescent Mortgage Company-0.08%(4.0)0.53%
City Bank-0.08%(4.0)1.68%
BBVA-0.08%(4.0)1.26%
Plaza Home Mortgage-0.07%(4.0)3.47%
Quicken Loans-0.06%(4.0)8.10%
Supreme Lending-0.06%(4.0)3.15%
Republic State Mortgage Co-0.05%(3.5)9.46%
First Financial Bank TX-0.04%(3.5)0.53%
Mid America Mortgage-0.03%(3.5)5.68%
Southside Bank-0.02%(3.5)0.11%
Caliber Home Loans-0.01%(3.5)1.26%
Gateway First Bank-0.01%(3.5)1.37%
JPMorgan Chase Bank-0.00%(3.5)0.11%
Wells Fargo Bank0.00%(3.5)0.11%
Navy Federal Credit Union0.00%(3.5)0.11%
Fairway Independent Mortgage Corporation0.01%(3.5)4.52%
loanDepot0.03%(3.5)0.21%
Mr. Cooper0.07%(3.0)1.58%
Academy Mortgage Corporation Utah0.07%(3.0)1.89%
Guaranteed Rate0.09%(3.0)6.52%
AmCap Home Loans0.18%(2.5)6.94%
Thrive Mortgage0.22%(2.5)5.99%
Guild Mortgage Company0.24%(2.5)6.94%
Cardinal Financial Company0.26%(2.0)4.73%
Lender NameRate DifferenceRate RatingMarket Share
Magnolia Bank-0.32%(5.0)5.15%
Flagstar Bank-0.22%(4.5)3.73%
Open Mortgage-0.15%(4.5)11.18%
FBC Mortgage-0.13%(4.0)2.41%
Freedom Mortgage Corporation-0.11%(4.0)1.86%
Crescent Mortgage Company-0.08%(4.0)0.55%
City Bank-0.08%(4.0)1.75%
BBVA-0.08%(4.0)1.32%
Plaza Home Mortgage-0.07%(4.0)3.62%
Quicken Loans-0.07%(4.0)7.13%
Supreme Lending-0.06%(4.0)3.18%
Republic State Mortgage Co-0.05%(3.5)9.43%
First Financial Bank TX-0.04%(3.5)0.55%
Mid America Mortgage-0.04%(3.5)5.81%
Southside Bank-0.02%(3.5)0.11%
Caliber Home Loans-0.01%(3.5)1.10%
Gateway First Bank-0.01%(3.5)1.32%
JPMorgan Chase Bank-0.00%(3.5)0.11%
Wells Fargo Bank0.00%(3.5)0.11%
Navy Federal Credit Union0.00%(3.5)0.11%
Fairway Independent Mortgage Corporation0.01%(3.5)4.71%
loanDepot0.03%(3.5)0.22%
Mr. Cooper0.07%(3.0)1.54%
Academy Mortgage Corporation Utah0.07%(3.0)1.97%
Guaranteed Rate0.10%(3.0)6.69%
AmCap Home Loans0.18%(2.5)7.13%
Thrive Mortgage0.23%(2.5)6.14%
Cardinal Financial Company0.26%(2.0)4.82%
Guild Mortgage Company0.28%(2.0)6.25%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.02%(3.5)30.77%
Caliber Home Loans-0.02%(3.5)5.13%
Magnolia Bank-0.01%(3.5)5.13%
Supreme Lending-0.01%(3.5)2.56%
Open Mortgage-0.01%(3.5)2.56%
Mid America Mortgage-0.01%(3.5)2.56%
FBC Mortgage-0.00%(3.5)2.56%
Cardinal Financial Company0.00%(3.5)2.56%
AmCap Home Loans0.00%(3.5)2.56%
Gateway First Bank0.00%(3.5)2.56%
Republic State Mortgage Co0.01%(3.5)10.26%
Guild Mortgage Company0.02%(3.5)23.08%
Mr. Cooper0.02%(3.5)2.56%
Thrive Mortgage0.02%(3.5)2.56%
Guaranteed Rate0.03%(3.5)2.56%
Lender NameRate DifferenceRate RatingMarket Share
Fairway Independent Mortgage Corporation-0.01%(3.5)20.00%
Supreme Lending0.00%(3.5)20.00%
MCT Credit Union0.00%(3.5)20.00%
Caliber Home Loans0.00%(3.5)20.00%
Wells Fargo Bank0.00%(3.5)20.00%
Lender NameRate DifferenceRate RatingMarket Share
Fairway Independent Mortgage Corporation-0.01%(3.5)25.00%
Supreme Lending0.00%(3.5)25.00%
Caliber Home Loans0.00%(3.5)25.00%
Wells Fargo Bank0.01%(3.5)25.00%
Lender NameRate DifferenceRate RatingMarket Share
MCT Credit Union0.00%(3.5)100.00%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.15%(4.0)10.57%
USAA-0.11%(4.0)15.45%
Magnolia Bank-0.04%(3.5)2.85%
Cardinal Financial Company-0.02%(3.5)2.85%
First Financial Bank TX-0.01%(3.5)1.63%
Wells Fargo Bank-0.01%(3.5)2.85%
Caliber Home Loans0.01%(3.5)1.63%
City Bank0.01%(3.5)1.22%
BBVA0.01%(3.5)0.41%
Gateway First Bank0.02%(3.5)1.22%
AmCap Home Loans0.03%(3.5)5.28%
loanDepot0.03%(3.5)1.22%
Academy Mortgage Corporation Utah0.03%(3.5)0.81%
Mid America Mortgage0.03%(3.5)9.76%
Guaranteed Rate0.03%(3.5)0.41%
Freedom Mortgage Corporation0.03%(3.5)2.03%
Mr. Cooper0.04%(3.5)0.81%
Mobiloil Federal Credit Union0.04%(3.5)0.41%
Republic State Mortgage Co0.05%(3.5)7.72%
JPMorgan Chase Bank0.05%(3.5)1.22%
Thrive Mortgage0.05%(3.0)1.22%
Fairway Independent Mortgage Corporation0.05%(3.0)4.88%
Flagstar Bank0.06%(3.0)2.85%
Open Mortgage0.06%(3.0)3.66%
Guild Mortgage Company0.09%(3.0)3.25%
Quicken Loans0.09%(3.0)7.72%
Plaza Home Mortgage0.10%(3.0)3.66%
Supreme Lending0.12%(3.0)2.44%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.15%(4.5)11.52%
USAA-0.11%(4.0)16.59%
Magnolia Bank-0.03%(3.5)3.23%
Cardinal Financial Company-0.02%(3.5)3.23%
First Financial Bank TX-0.01%(3.5)1.84%
Wells Fargo Bank-0.01%(3.5)3.23%
Caliber Home Loans0.01%(3.5)1.38%
City Bank0.02%(3.5)1.38%
BBVA0.02%(3.5)0.46%
Gateway First Bank0.03%(3.5)0.92%
AmCap Home Loans0.03%(3.5)5.53%
Academy Mortgage Corporation Utah0.03%(3.5)0.92%
Mid America Mortgage0.03%(3.5)9.68%
Guaranteed Rate0.03%(3.5)0.46%
Freedom Mortgage Corporation0.04%(3.5)1.38%
Mr. Cooper0.04%(3.5)0.92%
Mobiloil Federal Credit Union0.04%(3.5)0.46%
JPMorgan Chase Bank0.05%(3.0)1.38%
Thrive Mortgage0.05%(3.0)1.38%
Fairway Independent Mortgage Corporation0.05%(3.0)5.53%
Flagstar Bank0.06%(3.0)2.76%
Open Mortgage0.07%(3.0)3.69%
Quicken Loans0.09%(3.0)7.83%
Guild Mortgage Company0.09%(3.0)3.23%
Plaza Home Mortgage0.11%(3.0)4.15%
Republic State Mortgage Co0.11%(3.0)4.15%
Supreme Lending0.12%(3.0)2.76%
Lender NameRate DifferenceRate RatingMarket Share
Republic State Mortgage Co-0.03%(3.5)34.48%
Open Mortgage-0.00%(3.5)3.45%
Caliber Home Loans0.00%(3.5)3.45%
Mid America Mortgage0.00%(3.5)10.34%
Navy Federal Credit Union0.00%(3.5)3.45%
Gateway First Bank0.01%(3.5)3.45%
USAA0.01%(3.5)6.90%
Flagstar Bank0.01%(3.5)3.45%
loanDepot0.01%(3.5)10.34%
Freedom Mortgage Corporation0.02%(3.5)6.90%
AmCap Home Loans0.02%(3.5)3.45%
Guild Mortgage Company0.03%(3.5)3.45%
Quicken Loans0.05%(3.5)6.90%

* Data is compiled for the Beaumont, TX commuting zone area, which comprises of counties of Hardin County, TX, Jasper County, TX, Jefferson County, TX, Newton County, TX, Orange County, TX, Polk County, TX, and Tyler County, TX. This includes cities/towns/communities of Beaumont, TX as well as Lumberton, TX, Bridge City, TX, Port Arthur, TX, Vidor, TX, Nederland, TX, Orange, TX, Groves, TX, Port Neches, TX, Livingston, TX, Mauriceville, TX, Onalaska, TX, Bevil Oaks, TX, Sour Lake, TX, Fannett, TX, Sam Rayburn, TX, Central Gardens, TX, Silsbee, TX, Evadale, TX, Ivanhoe, TX, Jasper, TX, West Livingston, TX, Kirbyville, TX, Nome, TX, Pine Forest, TX, Warren, TX, Woodville, TX, Newton, TX, Buna, TX, Kountze, TX, South Toledo Bend, TX, Deweyville, TX, Colmesneil, TX, West Orange, TX, Pinehurst, TX, and Corrigan, TX. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

Mortgage Lender Rankings in Other Cities

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