Mortgage lending in Beaumont-Port Arthur, TX
5,656 mortgages were originated in the Beaumont-Port Arthur, TX area in 2025, and here is what they cost.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 5,656
- Median rate
- 6.625%
- Median lender fees
- $7,225
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $175,000
- Above the going rate (spread over APOR)
- 0.477
- Paid discount points
- 38.9%
- Received lender credits
- 17.9%
- Purchases / refinances
- 64.8% / 24.4%
- Conventional / FHA / VA
- 67% / 24.9% / 7.2%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 66.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Beaumont-Port Arthur, TX area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Neches Federal Credit Union | 448 | $5,533 | 6.250% |
| United Shore Financial Services, LLC | 432 | $7,829 | 6.499% |
| Rocket Mortgage, LLC | 291 | $6,139 | 6.750% |
| Fivepoint Credit Union | 262 | — | — |
| Guild Mortgage Company | 248 | $9,354 | 6.500% |
| 21st Mortgage Corporation | 211 | — | 9.900% |
| First Financial Bank | 199 | $3,985 | 7.000% |
| Dugood Federal Credit Union | 191 | — | — |
| Broker Solutions, Inc. | 175 | $8,595 | 6.750% |
| Rave Financial Credit Union | 148 | $275 | 5.750% |