Top 3 Mortgage Lenders in Elkhart

First Financial Bank Texas stands out as one of the most trusted regional mortgage lenders serving East Texas communities including Elkhart. With deep roots in the region since 1990, they offer personalized service through local loan officers who understand rural property financing. Their strong 4.8 rating reflects exceptional customer satisfaction with competitive rates and flexible loan programs. As a community-focused bank, they provide the advantage of local underwriting decisions and long-term relationship banking, making them particularly well-suited for Elkhart residents seeking conventional, USDA rural development, or construction loans.

Southside Bank has built an outstanding reputation across East Texas with a 4.7 customer rating and decades of mortgage lending experience. While headquartered in Tyler, they actively serve Elkhart and surrounding rural communities with specialized knowledge of country properties and agricultural areas. Their mortgage team excels at USDA rural development loans, which are particularly relevant for Elkhart homebuyers. Customers consistently praise their responsive communication, local decision-making, and competitive construction loan programs. As an established Texas bank with deep community ties, they offer stability and personalized service that national lenders cannot match.

Guild Mortgage's Lufkin office provides expert mortgage services to Elkhart residents with a strong 4.6 rating and national lending power combined with local expertise. Their specialized knowledge of USDA rural housing loans makes them particularly valuable for Elkhart homebuyers. With over 60 years in business nationwide and dedicated local loan officers, they offer competitive rates, flexible credit guidelines, and exceptional customer service. Guild consistently receives high marks for their efficient processing, clear communication, and ability to handle complex rural property transactions. Their renovation loan programs are especially beneficial for older homes common in the Elkhart area.