Lender profile
Neches
Lender Live rate observations
Neches at a glance
Neches is a lender based in Texas. LoanMate.ai tracks 22 published loan products from Neches (22 rate listings), last verified 2026-10-17. Its lowest published rate today is 4% on New auto loan · 48 months. Its 30-year fixed rate of 6.25% is 0.75 points below the national median of 7% (across 233 lenders publishing that product). Neches lends in Texas only.
Purchase mortgage (3)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| 15FP | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
| 20FP | — | 6.00 | — | — | 2026-10-17 | Lender source ↗ |
| 30FP | — | 6.25 | — | — | 2026-10-17 | Lender source ↗ |
Home equity loan (5)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| FHEL-5yr | — | 5.25 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-10yr | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-15yr | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-20yr | — | 5.75 | — | — | 2026-10-17 | Lender source ↗ |
| FHEL-30yr | — | 6.00 | — | — | 2026-10-17 | Lender source ↗ |
Auto loan (10)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| AUTO-NEW-48 | — | 4.00 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-48 | — | 4.00 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-60 | — | 4.25 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-60 | — | 4.25 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-72 | — | 4.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-72 | — | 4.75 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW | — | 5.00 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED | — | 5.00 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-NEW-84 | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
| AUTO-USED-84 | — | 5.50 | — | — | 2026-10-17 | Lender source ↗ |
Personal loan (4)
| Product | Rate | APR | Points | Fees | Verified | Source |
|---|---|---|---|---|---|---|
| PERS-UNSEC-60 | — | 10.25 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-72 | — | 10.75 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC-84 | — | 11.25 | — | — | 2026-10-17 | Lender source ↗ |
| PERS-UNSEC | — | 12.50 | — | — | 2026-10-17 | Lender source ↗ |
How Neches compares
- #1 nationally for 15-year fixed — 5.5% (of 210 lenders publishing it)
- #1 nationally for New auto loan · 48 months — 4% (of 166 lenders publishing it)
- #1 nationally for Used auto loan · 48 months — 4% (of 152 lenders publishing it)
- #1 nationally for Fixed home equity · 15yr — 5.5% (of 121 lenders publishing it)
Compare all purchase mortgage rates · Compare all home equity loan rates · Compare all auto loan rates · Compare all personal loan rates · Best loan rates in Texas
Compare with: 1St Community, 4U, A+, Abilene Teachers
Common questions
What is the lowest published rate at Neches?
As of October 17, 2026, the lowest rate LoanMate.ai tracks from Neches is 4% on its New auto loan · 48 months. That is a published, advertised figure — not a quote or an offer. Your actual rate depends on credit, collateral and underwriting, and is set by the lender.
Where does Neches lend?
Neches lends in Texas only. Availability can vary by product — confirm eligibility on the lender's website before applying.
How does Neches's 30-year fixed rate compare nationally?
Neches publishes 30-year fixed at 6.25%. The national median for that product is 7% across 233 lenders in LoanMate.ai's October 17, 2026 dataset, so Neches is 0.75 points below the national median.
How to use these figures
LoanMate.ai is an independent information publisher, not a lender, broker, or loan originator. Figures below are public lender observations last verified on the date shown and may have changed; confirm current pricing, terms, fees, eligibility, and license status directly with the lender. Rankings on LoanMate.ai are never influenced by compensation. See our methodology.