Top Mortgage Lenders in Sulphur Springs, TX

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, we provide a data driven ranking of mortgage lenders in the Sulphur Springs, TX area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Sulphur Springs, TX area is Guaranty Bank & Trust, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.10%. This means that Guaranty Bank & Trust provided a -0.10% lower interest rate for its customers than other lenders in Sulphur Springs, TX for a similar set of borrowers. Guaranty Bank & Trust has a market share of 15.6%. On the other hand, the most popular lender in the market is Quicken Loans, with a market share of 19.2%. Quicken Loans is an average rate lender in this area, with a “Rate Difference” of +0.03% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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, the cheapest lender for Conventional mortgages in Sulphur Springs, TX is The 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. Nevertheless, to get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders for your desired mortgage type and purpose.

Ranking of Mortgage Lenders in Sulphur Springs, TX

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranty Bank & Trust 1, -0.10% 15.56%
The City National Bank of Sulphur Springs 2, -0.08% 18.67%
Fairway Independent Mort Corp 3, -0.02% 4.38%
Mortgage Financial Services 4, 0.00% 5.23%
Supreme Lending/ Everett Financial Inc 5, 0.01% 5.52%
Nations Lending Corporation 6, 0.03% 6.93%
Quicken Loans 7, 0.03% 19.24%
Guild Mortgage Company 8, 0.06% 7.07%
Southwest Funding LP 9, 0.07% 5.52%
Goldwater Bank National Association 10, 0.12% 11.88%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranty Bank & Trust 1, -0.12% 17.17%
The City National Bank of Sulphur Springs 2, -0.05% 14.34%
Fairway Independent Mort Corp 3, -0.03% 5.28%
Mortgage Financial Services 4, -0.00% 5.85%
Quicken Loans 5, 0.00% 13.96%
Supreme Lending/ Everett Financial Inc 6, 0.01% 5.47%
Nations Lending Corporation 7, 0.03% 7.92%
Guild Mortgage Company 8, 0.06% 8.68%
Southwest Funding LP 9, 0.07% 6.60%
Goldwater Bank National Association 10, 0.12% 14.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
The City National Bank of Sulphur Springs 1, -0.10% 31.64%
Guaranty Bank & Trust 2, -0.02% 10.73%
Supreme Lending/ Everett Financial Inc 3, 0.01% 5.65%
Mortgage Financial Services 4, 0.01% 3.39%
Southwest Funding LP 5, 0.01% 2.26%
Guild Mortgage Company 6, 0.02% 2.26%
Fairway Independent Mort Corp 7, 0.03% 1.69%
Nations Lending Corporation 8, 0.04% 3.95%
Goldwater Bank National Association 9, 0.07% 3.39%
Quicken Loans 10, 0.08% 35.03%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
The City National Bank of Sulphur Springs 1, -0.07% 29.07%
Guaranty Bank & Trust 2, -0.04% 16.74%
Southwest Funding LP 3, -0.04% 2.86%
Fairway Independent Mort Corp 4, 0.01% 2.86%
Mortgage Financial Services 5, 0.02% 4.41%
Nations Lending Corporation 6, 0.03% 3.74%
Supreme Lending/ Everett Financial Inc 7, 0.04% 5.29%
Guild Mortgage Company 8, 0.05% 6.17%
Quicken Loans 9, 0.07% 22.69%
Goldwater Bank National Association 10, 0.07% 6.17%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Southwest Funding LP 1, -0.05% 3.51%
The City National Bank of Sulphur Springs 2, -0.05% 26.67%
Guaranty Bank & Trust 3, -0.04% 20.00%
Fairway Independent Mort Corp 4, -0.00% 3.51%
Mortgage Financial Services 5, 0.01% 5.96%
Nations Lending Corporation 6, 0.02% 4.21%
Guild Mortgage Company 7, 0.05% 8.77%
Supreme Lending/ Everett Financial Inc 8, 0.06% 5.26%
Quicken Loans 9, 0.06% 14.39%
Goldwater Bank National Association 10, 0.07% 7.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
The City National Bank of Sulphur Springs 1, -0.10% 33.14%
Guaranty Bank & Trust 2, -0.02% 11.24%
Southwest Funding LP 3, 0.00% 1.78%
Mortgage Financial Services 4, 0.01% 1.78%
Guild Mortgage Company 5, 0.01% 1.78%
Supreme Lending/ Everett Financial Inc 6, 0.01% 5.33%
Fairway Independent Mort Corp 7, 0.03% 1.78%
Nations Lending Corporation 8, 0.04% 2.96%
Goldwater Bank National Association 9, 0.07% 3.55%
Quicken Loans 10, 0.08% 36.69%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranty Bank & Trust 1, -0.27% 15.35%
Quicken Loans 2, -0.08% 13.37%
Fairway Independent Mort Corp 3, -0.07% 5.45%
Supreme Lending/ Everett Financial Inc 4, -0.03% 6.44%
Mortgage Financial Services 5, -0.02% 5.45%
Nations Lending Corporation 6, 0.03% 12.38%
Guild Mortgage Company 7, 0.07% 9.90%
Southwest Funding LP 8, 0.14% 9.90%
Goldwater Bank National Association 9, 0.16% 21.78%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Guaranty Bank & Trust 1, -0.27% 15.82%
Quicken Loans 2, -0.08% 13.78%
Fairway Independent Mort Corp 3, -0.07% 5.61%
Supreme Lending/ Everett Financial Inc 4, -0.03% 6.63%
Mortgage Financial Services 5, -0.01% 4.59%
Nations Lending Corporation 6, 0.03% 11.73%
Guild Mortgage Company 7, 0.07% 9.69%
Southwest Funding LP 8, 0.15% 9.69%
Goldwater Bank National Association 9, 0.16% 22.45%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Mortgage Financial Services 1, -0.01% 33.33%
Nations Lending Corporation 2, -0.01% 33.33%
Southwest Funding LP 3, 0.01% 16.67%
Guild Mortgage Company 4, 0.03% 16.67%
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Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Mortgage Financial Services 1, -0.04% 11.76%
Supreme Lending/ Everett Financial Inc 2, -0.03% 3.92%
Quicken Loans 3, -0.03% 11.76%
Guild Mortgage Company 4, -0.03% 3.92%
Fairway Independent Mort Corp 5, -0.02% 13.73%
Nations Lending Corporation 6, -0.01% 13.73%
Guaranty Bank & Trust 7, -0.01% 5.88%
Southwest Funding LP 8, 0.01% 11.76%
Goldwater Bank National Association 9, 0.06% 23.53%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Mortgage Financial Services 1, -0.04% 10.20%
Supreme Lending/ Everett Financial Inc 2, -0.03% 2.04%
Quicken Loans 3, -0.03% 12.24%
Guild Mortgage Company 4, -0.03% 4.08%
Fairway Independent Mort Corp 5, -0.02% 14.29%
Nations Lending Corporation 6, -0.01% 14.29%
Guaranty Bank & Trust 7, -0.01% 6.12%
Southwest Funding LP 8, 0.00% 12.24%
Goldwater Bank National Association 9, 0.06% 24.49%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Mortgage Financial Services 1, -0.00% 50.00%
Supreme Lending/ Everett Financial Inc 2, 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 for the data comes from 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 based on the MSA, 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 for Other Cities

This page ranks the top mortgage lenders in the Sulphur Springs, TX area. For mortgage lender rankings of other cities, click here.