Mortgage Lenders and Brokers in Bay City, Texas
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Bay City, Texas mortgage lenders include Prosperity BankProsperity Bank1600 7th St, Bay City, TX 77414A+5.0 ★Texas Ratio: 1.58%, TdecuTdecu2212 Southgate St, Arlington, TX 76013A+5.0 ★Texas Ratio: 5.55%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, First State BankFirst State Bank200 Brazosport Blvd N, Clute, TX 77531A5.0 ★Texas Ratio: 13.04%, H-E-B Federal Credit UnionH-E-B Federal Credit Union4630 N Loop 1604 W Ste 101, San Antonio, TX 78249A+5.0 ★Texas Ratio: 0.70%, Newfirst National BankNewfirst National Bank700 N Wells St, Edna, TX 77957A+5.0 ★Texas Ratio: 1.36%, NexbankNexbank2515 Mckinney Ave, Dallas, TX 75201A-5.0 ★Texas Ratio: 14.93%, First State BankFirst State Bank3600 7th St, Bay City, TX 77414A5.0 ★Texas Ratio: 7.77%, and First Financial BankFirst Financial Bank2617 Antilley Rd, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.74%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Bay City, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bay City are listed first, then lenders elsewhere in Texas, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Bay City, Texas
Market share is the lender's share of all home loans closed in Bay City, Texas. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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★ 1 stars, 1 review 1 office in Bay City 1600 7th St, Bay City, TX 77414 A+5.0 ★Texas Ratio: 1.58% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
1.8% | 37.5% | $191,666 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 7 | 4.1% | 77.8% | $213,571 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 4 | 2.3% | 100% | $222,500 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
FHA | 1 | 0.6% | 100% | $215,000 | |
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200 Brazosport Blvd N, Clute, TX 77531 A5.0 ★Texas Ratio: 13.04% |
Conventional | 1 | 0.6% | 100% | $115,000 | View |
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4630 N Loop 1604 W Ste 101, San Antonio, TX 78249 A+5.0 ★Texas Ratio: 0.70% |
Conventional | 1 | 0.6% | 100% | $105,000 | View |
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700 N Wells St, Edna, TX 77957 A+5.0 ★Texas Ratio: 1.36% |
Conventional, Jumbo | 1 | 0.6% | 100% | $1,165,000 | View |
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2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93% |
Conventional | 1 | 0.6% | 100% | $105,000 | View |
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3600 7th St, Bay City, TX 77414 A5.0 ★Texas Ratio: 7.77% |
Conventional | 1 | 0.6% | 100% | $395,000 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
Conventional, Jumbo | 1 | 0.6% | 100% | $535,000 | View |
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3923 5th St, Brookshire, TX 77423 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.6% | 100% | $195,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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1100 NW Loop 410 Ste 101, Castle Hills, TX 78213 2263 A5.0 ★Texas Ratio: 6.40% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Southwest Funding LP
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Conventional, FHA, USDA | 13 | 7.6% | 100% | $216,538 | |
Nationstar Mortgage
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Conventional | 2 | 1.2% | 100% | $210,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 1.2% | 100% | $280,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.6% | 100% | $105,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 1 | 0.6% | 100% | $295,000 | |
Texas Bay Area Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 26 | 15.2% | 96.3% | $145,384 | View |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA | 15 | 8.8% | 84.2% | $265,000 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 13 | 7.6% | 81.2% | $208,846 | |
Newrez LLC
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Conventional, VA, USDA | 9 | 5.3% | 64.3% | $219,444 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 8 | 4.7% | 53.3% | $225,000 | View |
Lennar Mortgage, LLC
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Conventional, FHA | 8 | 4.7% | 100% | $201,250 | |
Pennymac Loan Services LLC
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Conventional, FHA | 5 | 2.9% | 71.4% | $171,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 5 | 2.9% | 83.3% | $299,000 | |
Premier Mortgage Resources, LLC
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Conventional, FHA | 4 | 2.3% | 100% | $120,000 | |
Mortgage Research Center
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FHA, VA | 4 | 2.3% | 66.7% | $180,000 | |
Kind Lending, LLC
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FHA, USDA | 3 | 1.8% | 42.9% | $291,666 | |
New American Funding, LLC.
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Conventional, FHA, VA | 3 | 1.8% | 75% | $241,666 | |
Fairway Independent Mort Corp
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FHA | 3 | 1.8% | 100% | $195,000 | |
Lakeview Loan Servicing, LLC
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FHA | 2 | 1.2% | 40% | $155,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 1.2% | 100% | $125,000 | |
Cornerstone First Mortgage, LLC
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VA | 1 | 0.6% | 100% | $415,000 | |
Freedom Mortgage Corporation
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VA | 1 | 0.6% | 100% | $195,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.6% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.6% | 60% | $175,000 | View |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional | 1 | 0.6% | 100% | $475,000 | View |
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A+5.0 ★Texas Ratio: 3.34% |
FHA | 1 | 0.6% | 100% | $435,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.6% | 100% | $275,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.6% | 100% | $235,000 | |
Discover Bank
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Conventional | 1 | 0.6% | 100% | $55,000 | |
Mortgage Financial Services
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FHA | 1 | 0.6% | 100% | $155,000 | |
Securitynational Mortgage Company
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FHA | 1 | 0.6% | 100% | $115,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 0.6% | 100% | $245,000 | |
Weichert Financial Services
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Conventional | 1 | 0.6% | 100% | $285,000 | |
Beeline Loans, Inc.
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Conventional | 1 | 0.6% | 100% | $115,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $145,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.6% | 50% | $195,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.6% | 100% | $235,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.6% | 100% | $165,000 | |
21St Mortgage
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Conventional | 1 | 0.6% | 5.3% | $65,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.6% | 100% | $215,000 | |
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Bay City Mortgage Rate Trends
Daily average mortgage rates for Texas compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Bay City, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Bay City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bay City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bay City, TX
Use these to narrow the list above. Each category shows how many Bay City, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Bay City, TX
Independent mortgage companies closed 68.4 percent of home loans in Bay City, Texas in 2025, banks 22.8 percent and credit unions 8.8 percent. Everett Financial, Inc. was the largest mortgage company, Prosperity Bank the largest bank and Tdecu the largest credit union. Among lenders headquartered in Texas, Prosperity Bank led with 3 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Texas. None; Texas has no real estate transfer tax or mortgage tax, only flat county recording fees.
More Texas Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Bay City, TX
By home loans closed in 2025, Prosperity Bank was the largest mortgage lender in Bay City, Texas with 3 loans, about 1.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Bay City, Texas in 2025, led by Gateway First Bank with 10. 10 lenders closed VA loans, led by Navy Federal Credit Union, and 3 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 10 banks and 7 credit unions closed home loans in Bay City, Texas in 2025, alongside 38 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Bay City, Texas during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Bay City, Texas for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Bay City. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
