Which mortgage lender in the Sulphur Springs, 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 Sulphur Springs, TX area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and 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 Sulphur Springs, TX area in terms of interest rate is Guaranty Bank & Trust, with an average “Rate Difference” of -0.10%. This means that, comparing similar borrowers, Guaranty Bank & Trust provided a -0.10% lower interest rate for its customers than other lenders in the area. Guaranty Bank & Trust has a market share of 15.6%. On the other hand, the most popular lender in the Sulphur Springs, TX area is Quicken Loans, with a larger market share of 19.3%. Quicken Loans is an average lender in terms of the interest rate it offers, with a “Rate Difference” of +0.03% compared to those of other lenders in this area.
Our detailed ranking of mortgage lenders in the Sulphur Springs, 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, going by historical data, the cheapest lender for Conventional mortgages in Sulphur Springs, TX is City National Bank of Sulphur Springs. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Guaranty Bank & Trust. The cheapest VA mortgage provider is Mortgage Financial Services Baton Rouge. 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 Sulphur Springs, TX
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranty Bank & Trust | -0.10% | 15.58% | |
| City National Bank of Sulphur Springs | -0.08% | 18.70% | |
| Fairway Independent Mortgage Corporation | -0.02% | 4.39% | |
| Mortgage Financial Services Baton Rouge | 0.00% | 5.24% | |
| Supreme Lending | 0.01% | 5.52% | |
| Nations Lending Corporation | 0.03% | 6.94% | |
| Quicken Loans | 0.03% | 19.26% | |
| Guild Mortgage Company | 0.06% | 7.08% | |
| Southwest Funding | 0.07% | 5.52% | |
| Goldwater Bank | 0.12% | 11.76% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranty Bank & Trust | -0.12% | 17.17% | |
| City National Bank of Sulphur Springs | -0.05% | 14.34% | |
| Fairway Independent Mortgage Corporation | -0.03% | 5.28% | |
| Mortgage Financial Services Baton Rouge | -0.00% | 5.85% | |
| Quicken Loans | 0.00% | 13.96% | |
| Supreme Lending | 0.01% | 5.47% | |
| Nations Lending Corporation | 0.03% | 7.92% | |
| Guild Mortgage Company | 0.06% | 8.68% | |
| Southwest Funding | 0.07% | 6.60% | |
| Goldwater Bank | 0.12% | 14.72% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| City National Bank of Sulphur Springs | -0.10% | 31.82% | |
| Guaranty Bank & Trust | -0.02% | 10.80% | |
| Supreme Lending | 0.01% | 5.68% | |
| Mortgage Financial Services Baton Rouge | 0.01% | 3.41% | |
| Southwest Funding | 0.01% | 2.27% | |
| Guild Mortgage Company | 0.02% | 2.27% | |
| Fairway Independent Mortgage Corporation | 0.03% | 1.70% | |
| Nations Lending Corporation | 0.04% | 3.98% | |
| Goldwater Bank | 0.05% | 2.84% | |
| Quicken Loans | 0.08% | 35.23% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| City National Bank of Sulphur Springs | -0.07% | 29.14% | |
| Guaranty Bank & Trust | -0.04% | 16.78% | |
| Southwest Funding | -0.04% | 2.87% | |
| Fairway Independent Mortgage Corporation | 0.01% | 2.87% | |
| Mortgage Financial Services Baton Rouge | 0.02% | 4.42% | |
| Nations Lending Corporation | 0.03% | 3.75% | |
| Supreme Lending | 0.04% | 5.30% | |
| Guild Mortgage Company | 0.05% | 6.18% | |
| Goldwater Bank | 0.07% | 5.96% | |
| Quicken Loans | 0.07% | 22.74% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Southwest Funding | -0.05% | 3.51% | |
| City National Bank of Sulphur Springs | -0.05% | 26.67% | |
| Guaranty Bank & Trust | -0.04% | 20.00% | |
| Fairway Independent Mortgage Corporation | -0.00% | 3.51% | |
| Mortgage Financial Services Baton Rouge | 0.01% | 5.96% | |
| Nations Lending Corporation | 0.02% | 4.21% | |
| Guild Mortgage Company | 0.05% | 8.77% | |
| Supreme Lending | 0.06% | 5.26% | |
| Quicken Loans | 0.06% | 14.39% | |
| Goldwater Bank | 0.07% | 7.72% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| City National Bank of Sulphur Springs | -0.10% | 33.33% | |
| Guaranty Bank & Trust | -0.02% | 11.31% | |
| Southwest Funding | 0.00% | 1.79% | |
| Mortgage Financial Services Baton Rouge | 0.01% | 1.79% | |
| Guild Mortgage Company | 0.01% | 1.79% | |
| Supreme Lending | 0.01% | 5.36% | |
| Fairway Independent Mortgage Corporation | 0.03% | 1.79% | |
| Nations Lending Corporation | 0.04% | 2.98% | |
| Goldwater Bank | 0.05% | 2.98% | |
| Quicken Loans | 0.08% | 36.90% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranty Bank & Trust | -0.27% | 15.35% | |
| Quicken Loans | -0.08% | 13.37% | |
| Fairway Independent Mortgage Corporation | -0.07% | 5.45% | |
| Supreme Lending | -0.03% | 6.44% | |
| Mortgage Financial Services Baton Rouge | -0.02% | 5.45% | |
| Nations Lending Corporation | 0.03% | 12.38% | |
| Guild Mortgage Company | 0.07% | 9.90% | |
| Southwest Funding | 0.14% | 9.90% | |
| Goldwater Bank | 0.16% | 21.78% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Guaranty Bank & Trust | -0.27% | 15.82% | |
| Quicken Loans | -0.08% | 13.78% | |
| Fairway Independent Mortgage Corporation | -0.07% | 5.61% | |
| Supreme Lending | -0.03% | 6.63% | |
| Mortgage Financial Services Baton Rouge | -0.01% | 4.59% | |
| Nations Lending Corporation | 0.03% | 11.73% | |
| Guild Mortgage Company | 0.07% | 9.69% | |
| Southwest Funding | 0.15% | 9.69% | |
| Goldwater Bank | 0.16% | 22.45% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Mortgage Financial Services Baton Rouge | -0.01% | 33.33% | |
| Nations Lending Corporation | -0.01% | 33.33% | |
| Southwest Funding | 0.01% | 16.67% | |
| Guild Mortgage Company | 0.03% | 16.67% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Mortgage Financial Services Baton Rouge | -0.04% | 11.76% | |
| Supreme Lending | -0.03% | 3.92% | |
| Quicken Loans | -0.03% | 11.76% | |
| Guild Mortgage Company | -0.03% | 3.92% | |
| Fairway Independent Mortgage Corporation | -0.02% | 13.73% | |
| Nations Lending Corporation | -0.01% | 13.73% | |
| Guaranty Bank & Trust | -0.01% | 5.88% | |
| Southwest Funding | 0.01% | 11.76% | |
| Goldwater Bank | 0.06% | 23.53% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Mortgage Financial Services Baton Rouge | -0.04% | 10.20% | |
| Supreme Lending | -0.03% | 2.04% | |
| Quicken Loans | -0.03% | 12.24% | |
| Guild Mortgage Company | -0.03% | 4.08% | |
| Fairway Independent Mortgage Corporation | -0.02% | 14.29% | |
| Nations Lending Corporation | -0.01% | 14.29% | |
| Guaranty Bank & Trust | -0.01% | 6.12% | |
| Southwest Funding | 0.00% | 12.24% | |
| Goldwater Bank | 0.06% | 24.49% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Mortgage Financial Services Baton Rouge | -0.00% | 50.00% | |
| Supreme Lending | 0.00% | 50.00% |
* Data is compiled for the Sulphur Springs, TX commuting zone area, which comprises of counties of Camp County, TX, Cass County, TX, Franklin County, TX, Hopkins County, TX, Morris County, TX, Titus County, TX, and Wood County, TX. This includes cities/towns/communities of Sulphur Springs, TX as well as Mount Pleasant, TX, Mineola, TX, Mount Vernon, TX, Holly Lake Ranch, TX, Winnsboro, TX, Yantis, TX, Pittsburg, TX, Atlanta, TX, Cumby, TX, Quitman, TX, Rocky Mound, TX, Winnsboro, TX, Alba, TX, Hawkins, TX, Hughes Springs, TX, Lone Star, TX, Bloomburg, TX, Linden, TX, Tira, TX, Naples, TX, Winfield, TX, Como, TX, Douglassville, TX, Daingerfield, TX, Talco, TX, and Queen City, 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
This page contains information about the top mortgage lenders in the Sulphur Springs, TX area. For mortgage lender rankings in other cities, click here.