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Mortgage Lenders and Brokers in Baytown, Texas

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Baytown, Texas mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA5000 Garth Rd, Baytown, TX 77521A+5.0 ★Texas Ratio: 3.68%, Frost BankFrost Bank3426 Garth Rd, Baytown, TX 77521A+5.0 ★Texas Ratio: 2.51%, First Liberty BankFirst Liberty Bank7110 Fm 3180 Rd, Baytown, TX 77523A+5.0 ★Texas Ratio: 2.73%, Zions Bancorporation, N.A.Zions Bancorporation, N.A.1300 Rollingbrook Dr, Baytown, TX 77521A+5.0 ★Texas Ratio: 3.72%, Bank of America NABank of America NA4000 Garth Rd, Baytown, TX 77521A+5.0 ★Texas Ratio: 4.14%, Wells Fargo Bank NAWells Fargo Bank NA11522 Eagle Dr, Baytown, TX 77523A+5.0 ★Texas Ratio: 5.36%, PNC Bank N.A.PNC Bank N.A.4868 Garth Rd, Baytown, TX 77521A+5.0 ★Texas Ratio: 4.24%, Texas First BankTexas First Bank519 Rollingbrook Dr, Baytown, TX 77521A+5.0 ★Texas Ratio: 1.01%, Capital BankCapital Bank3719 Garth Rd, Baytown, TX 77521A+5.0 ★Texas Ratio: 0.07%, and Community Resource Credit UnioCommunity Resource Credit UnioBaytown, TX. 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 Baytown, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Baytown 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 Baytown, Texas

Market share is the lender's share of all home loans closed in Baytown, 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
JPMorgan Chase Bank, NA 2 offices in Baytown 5000 Garth Rd, Baytown, TX 77521 A+5.0 ★Texas Ratio: 3.68%	Conventional, FHA	27	1.4%	87.1%	$223,518	View
Frost Bank ★ 5 stars, 1 review 1 office in Baytown 3426 Garth Rd, Baytown, TX 77521 A+5.0 ★Texas Ratio: 2.51%	Conventional, HELOC	12 +2 HELOCs	0.6%	54.2%	$118,333	View
First Liberty Bank 1 office in Baytown 7110 Fm 3180 Rd, Baytown, TX 77523 A+5.0 ★Texas Ratio: 2.73%	Conventional	6	0.3%	87.5%	$571,666	View
Zions Bancorporation, N.A. 3 offices in Baytown 1300 Rollingbrook Dr, Baytown, TX 77521 A+5.0 ★Texas Ratio: 3.72%	Conventional, FHA, HELOC	5 +28 HELOCs	0.3%	71.4%	$225,000	View
Bank of America NA 1 office in Baytown 4000 Garth Rd, Baytown, TX 77521 A+5.0 ★Texas Ratio: 4.14%	Conventional, HELOC	5 +6 HELOCs	0.3%	83.3%	$205,000	View
Wells Fargo Bank NA 1 office in Baytown 11522 Eagle Dr, Baytown, TX 77523 A+5.0 ★Texas Ratio: 5.36%	Conventional, FHA	4	0.2%	33.3%	$252,500	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1 office in Baytown 4868 Garth Rd, Baytown, TX 77521 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	2 +3 HELOCs	0.1%	100%	$285,000	View
Texas First Bank 1 office in Baytown 519 Rollingbrook Dr, Baytown, TX 77521 A+5.0 ★Texas Ratio: 1.01%	Conventional	1	0.1%	100%	$65,000	View
Capital Bank 1 office in Baytown 3719 Garth Rd, Baytown, TX 77521 A+5.0 ★Texas Ratio: 0.07%	Conventional	1	0.1%	50%	$505,000	View
Community Resource Credit Unio	Conventional	88	4.5%	55%	$138,636
Shell Federal Credit Union 7235 John Martin Road, Baytown, TX 77521 A+5.0 ★Texas Ratio: 3.66%	Conventional	33	1.7%	59.6%	$113,787	View
Tdecu 2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 5.55%	Conventional, FHA	16	0.8%	84.2%	$268,750	View
Cornerstone Capital Bank, Ssb 710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, VA	13	0.7%	100%	$284,230	View
Jsc FCU 877 E Highway 6, Alvin, TX 77511 A+5.0 ★Texas Ratio: 5.77%	Conventional, FHA, HELOC	7 +3 HELOCs	0.4%	75%	$137,857	View
Everett Financial, Inc. 1212 Royal Pkwy Ste 103, Euless, TX 76040 6713	Conventional, FHA	7	0.4%	100%	$240,714
Gulf Coast Educators Federal Credit Union 6360 Garth Rd Ste 140, Baytown, TX 77521 5105 A+5.0 ★Texas Ratio: 3.85%	Conventional	6	0.3%	100%	$223,333	View
Beacon Federal Credit Union 2812 N Alexander Dr, Baytown, TX 77520 A+5.0 ★Texas Ratio: 2.19%	Conventional	5	0.3%	62.5%	$87,000	View
Rave Financial Credit Union 1810 N Major Dr, Beaumont, TX 77713 A+5.0 ★Texas Ratio: 3.39%	Conventional	4	0.2%	57.1%	$240,000	View
International Bank of Commerce 1421 W Frontage Rd, Alamo, TX 78516	Conventional	4	0.2%	100%	$142,500
Dugood Federal Credit Union 7505 Eastex Fwy Ste B, Beaumont, TX 77708 A+5.0 ★Texas Ratio: 0.43%	Conventional	4	0.2%	80%	$170,000
AMOCO Federal Credit Union 1299 E Highway 6, Alvin, TX 77511 A5.0 ★Texas Ratio: 7.70%	Conventional	3	0.2%	57.1%	$301,666	View
First Financial Bank 2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74%	Conventional	3	0.2%	80%	$181,666	View
First Service Credit Union 3923 5th St, Brookshire, TX 77423 A+5.0 ★Texas Ratio: 4.24%	Conventional	3	0.2%	100%	$205,000	View
Regions Bank 1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37%	Conventional, HELOC	2 +1 HELOCs	0.1%	33.3%	$290,000	View
Fivepoint Credit Union 4005 Dowlen Rd, Beaumont, TX 77706 6850	Conventional	2	0.1%	100%	$165,000
Randolph-Brooks Federal Credit Union 404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89%	Conventional	2	0.1%	100%	$45,000	View
Sente Mortgage, Inc. 6160 WARREN PKWY STE 500, FRISCO, TX 75034 9673	Conventional	2	0.1%	100%	$425,000
Nexbank 2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93%	Conventional	2	0.1%	66.7%	$185,000	View
US Bank, N.A. 13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85%	Conventional	1	0.1%	25%	$525,000	View
Southwest Airlines FCU 801 W Euless Blvd Ste 104, Euless, TX 76040 4438	Conventional	1	0.1%	100%	$25,000
First Horizon Bank ★ 5 stars, 1 review 8201 Preston Rd, Dallas, TX 75225 A+5.0 ★Texas Ratio: 5.76%	Conventional	1	0.1%	100%	$225,000	View
MidFirst Bank 1920 Mckinney Ave, Dallas, TX 75201 A+5.0 ★Texas Ratio: 4.93%	FHA	1	0.1%	50%	$45,000	View
Harris County FCU 1400 Franklin St, Houston, TX 77002 2147 A+5.0 ★Texas Ratio: 3.40%	Conventional	1	0.1%	100%	$105,000	View
Pilgrim Mortgage LLC 123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04%	Conventional	1	0.1%	100%	$255,000	View
PrimeWay Federal Credit Union 8878 Barker Cypress Rd, Cypress, TX 77433 1971 A5.0 ★Texas Ratio: 7.36%	Conventional	1	0.1%	25%	$305,000	View
TexasBank 501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0.1%	100%	$185,000	View
Gulf Credit Union 2360 Dowlen Rd, Beaumont, TX 77706 A+5.0 ★Texas Ratio: 2.58%	Conventional	1	0.1%	100%	$155,000	View
American First National Bank 2200 New York Ave, Arlington, TX 76010 A+5.0 ★Texas Ratio: 5.07%	Conventional	1	0.1%	100%	$115,000	View
H-E-B Federal Credit Union 4630 N Loop 1604 W Ste 101, San Antonio, TX 78249 A+5.0 ★Texas Ratio: 0.70%	Conventional	1	0.1%	100%	$65,000	View
Usaa Federal Savings Bank 10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80%	Conventional	1	0.1%	33.3%	$195,000	View
Intouch Credit Union 1010 W Exchange Pkwy Ste 170, Allen, TX 75013 7113 A5.0 ★Texas Ratio: 11.58%	Conventional	1	0.1%	100%	$255,000	View
Armed Forces Bank, N.A. 1617 Pleasonton Rd Ste G 109, El Paso, TX 79906 A+5.0 ★Texas Ratio: 4.81%	VA	1	0.1%	100%	$275,000	View
Trustmark Bank 840 13th St, Hempstead, TX 77445 A+5.0 ★Texas Ratio: 2.40%	FHA	1	0.1%	33.3%	$235,000	View
East West Bank 2527 Royal Ln, Dallas, TX 75229 A+5.0 ★Texas Ratio: 2.84%	Conventional	1	0.1%	100%	$265,000	View
Texana Bank 124 E Rush St, Linden, TX 75563 A5.0 ★Texas Ratio: 13.83%	Conventional	1	0.1%	100%	$225,000	View
University Federal Credit Union 701 College Dr, Abilene, TX 79601 A+5.0 ★Texas Ratio: 3.82%	Conventional	1	0.1%	50%	$135,000	View
Texas Capital Bank 98 San Jacinto Blvd, Austin, TX 78701 A+5.0 ★Texas Ratio: 3.64%	Conventional, Jumbo	1	0.1%	100%	$1,835,000	View
Bokf NA 792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05%	HELOC	0 +1 HELOCs	0%	n/a		View
Truist Bank ★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87%	HELOC	0 +1 HELOCs	0%	n/a		View
Colina Mortgage Group	Conventional, FHA, VA	37	1.9%	95.7%	$295,000
Primelending	Conventional, FHA, VA	36	1.8%	97.4%	$279,444
Click n' Close, Inc.	Conventional, FHA	14	0.7%	100%	$200,714
Legend Lending Corporation A+5.0 ★Texas Ratio: 0.92%	Conventional, FHA, VA	12	0.6%	100%	$243,333	View
Nationstar Mortgage	Conventional, FHA, VA	11	0.6%	73.3%	$242,272
Highlands Residential Mortgage, Ltd.	Conventional, FHA, VA	9	0.5%	100%	$267,222
Interlinc Mortgage Services, LLC	Conventional, FHA	8	0.4%	100%	$381,250
Associated Credit Union of Tx	Conventional	7	0.4%	100%	$90,714
Republic State Mortgage Company	Conventional, FHA, VA	6	0.3%	100%	$351,666
Ark-La-Tex Financial Services LLC	Conventional, FHA, VA	6	0.3%	100%	$210,000
Sfmc, LP	Conventional, FHA, VA	5	0.3%	100%	$299,000
Hometrust Mortgage Company	Conventional, FHA	5	0.3%	100%	$237,000
Texas Bay Area Credit Union	Conventional, HELOC	4 +1 HELOCs	0.2%	44.4%	$217,500
Network Funding, L.P.	FHA	4	0.2%	100%	$255,000
Envoy Mortgage, Ltd	FHA, VA, Jumbo	3	0.2%	75%	$558,333
SWBC Mortgage Corporation	Conventional, FHA	2	0.1%	66.7%	$260,000
AML Funding LLC dba Absolute Mortgage & Lending	Conventional	2	0.1%	50%	$185,000
Efinity Financial LLC A+5.0 ★Texas Ratio: 0.00%	FHA	2	0.1%	66.7%	$265,000	View
Gardner Financial Services	FHA	2	0.1%	100%	$225,000
Certified Funding, L.P.	Conventional	2	0.1%	100%	$160,000
Zippy Loans, LLC	Conventional	1	0.1%	100%	$25,000
Countryplace Mortgage, Ltd.	Conventional	1	0.1%	100%	$345,000
Orchard Mortgage, LLC	Conventional	1	0.1%	100%	$375,000
Capital Concepts Inc	Conventional	1	0.1%	100%	$145,000
Clm Mortgage, Inc	VA	1	0.1%	100%	$405,000
Willow Bend Mortgage Company, LLC	Conventional	1	0.1%	100%	$245,000
Credit Human Federal Credit Un	Conventional	1	0.1%	21.2%	$65,000
Loanpeople, LLC	Conventional	1	0.1%	50%	$305,000
Genway Home Mortgage, Inc.	FHA	1	0.1%	33.3%	$325,000
Right Start Mortgage, Inc	FHA	1	0.1%	100%	$205,000
Stellar Bank	Conventional, Jumbo	1	0.1%	100%	$1,355,000
Southwest Funding LP	FHA	1	0.1%	100%	$265,000
Lennar Mortgage, LLC	Conventional, FHA, VA	245	12.6%	72.9%	$232,387
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	230	11.8%	91.4%	$301,826
loanDepot.com LLC	Conventional, FHA, VA, HELOC	125 +2 HELOCs	6.4%	88.1%	$305,960
Rocket Mortgage B+4.7 ★Texas Ratio: 18.17%	Conventional, FHA, VA, Jumbo	104	5.3%	69.6%	$230,384	View
New American Funding, LLC.	Conventional, FHA, VA, HELOC	74 +1 HELOCs	3.8%	92.5%	$182,567
Cmg Mortgage Inc	Conventional, FHA, USDA	64	3.3%	94.2%	$192,500
Pulte Mortgage LLC	Conventional, FHA, VA, USDA	38	2%	76%	$301,052
K. Hovnanian American Mortgage	Conventional, FHA, VA	35	1.8%	72.9%	$319,000
Guild Mortgage Company A+5.0 ★Texas Ratio: 2.58%	Conventional, FHA, VA	31	1.6%	100%	$266,290	View
Cardinal Financial Company, Li	Conventional, FHA, VA	27	1.4%	100%	$295,370
Nations Lending Corporation	Conventional, FHA	26	1.3%	96.6%	$216,923
Mortgage Research Center	Conventional, FHA, VA	24	1.2%	77.4%	$284,166
Freedom Mortgage Corporation	Conventional, FHA, VA	22	1.1%	83.9%	$315,909
Fairway Independent Mort Corp	Conventional, FHA, VA	21	1.1%	100%	$286,904
Kind Lending, LLC	Conventional, FHA, VA	17	0.9%	73.9%	$224,411
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	16	0.8%	84.2%	$329,375
Pennymac Loan Services LLC	Conventional, FHA, VA, USDA	16	0.8%	71.4%	$170,000
Towne Mortgage Company	Conventional, FHA	14	0.7%	100%	$251,428
The Loan Store, Inc	Conventional, FHA, HELOC	13 +3 HELOCs	0.7%	82.4%	$334,230
Plaza Home Mortgage, Inc	Conventional, FHA, VA	13	0.7%	76.5%	$282,692
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, FHA	12	0.6%	100%	$507,500	View
21St Mortgage	Conventional	12	0.6%	36.1%	$124,166
Paramount Residential Mortgage	FHA, VA	12	0.6%	100%	$310,833
Mortgage Solutions of Colorado	Conventional, FHA, VA	11	0.6%	84.6%	$263,181
Canopy Mortgage, LLC	Conventional, FHA, VA, Jumbo	10	0.5%	91.7%	$367,000
Union Home Mortgage Corp.	Conventional, FHA, VA	10	0.5%	91.7%	$315,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	9	0.5%	48.3%	$96,111	View
Zillow Home Loans, LLC	Conventional, FHA, VA	9	0.5%	100%	$215,000
Equity Prime Mortgage LLC	Conventional, FHA, VA	8	0.4%	80%	$256,250
Movement Mortgage, LLC	Conventional, FHA, VA	8	0.4%	100%	$205,000
Mortgage Financial Services	Conventional, FHA	8	0.4%	88.9%	$311,250
Vanderbilt Mortgage and Finance, Inc	Conventional	8	0.4%	10.9%	$92,500
Newrez LLC	Conventional, VA	7	0.4%	32%	$230,714
Guaranteed Rate, Inc.	Conventional, FHA, HELOC	6 +1 HELOCs	0.3%	85.7%	$231,666
Guaranteed Rate Affinity, LLC	Conventional, FHA, VA	6	0.3%	85.7%	$203,333
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional, FHA	6	0.3%	85.7%	$308,333	View
Nfm, Inc	Conventional, FHA	6	0.3%	100%	$223,333
Inspire Home Loans Inc. A+5.0 ★Texas Ratio: 3.22%	FHA, VA	6	0.3%	77.8%	$291,666	View
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA	6	0.3%	40%	$158,333
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	FHA	6	0.3%	66.7%	$240,000	View
Lakeview Loan Servicing, LLC	FHA, VA	5	0.3%	29.7%	$267,000
V.I.P. Mortgage, Inc.	Conventional, FHA	5	0.3%	100%	$295,000
HomeBridge Financial Services, Inc	FHA, VA, HELOC	4 +1 HELOCs	0.2%	100%	$302,500
American Financial Resources LLC	Conventional, FHA	4	0.2%	80%	$240,000
Synergy One Lending, Inc.	Conventional, FHA	4	0.2%	80%	$202,500
Ocmbc, Inc. A5.0 ★Texas Ratio: 6.69%	Conventional, FHA	4	0.2%	85.7%	$260,000	View
Das Acquisition Company, LLC	Conventional, FHA	4	0.2%	100%	$190,000
Provident Funding Associates	Conventional	4	0.2%	100%	$262,500
Sierra Pacific Mortgage Co. Inc	Conventional, FHA	4	0.2%	100%	$217,500
Village Capital & Investment	FHA, VA	4	0.2%	100%	$350,000
Spring Eq, LLC	Conventional, HELOC	3 +2 HELOCs	0.2%	27.3%	$68,333
Royal United Mortgage LLC	Conventional	3	0.2%	100%	$91,666
Goodleap, LLC	Conventional, FHA	3	0.2%	75%	$175,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, FHA	3	0.2%	75%	$311,666	View
PHH Mortgage Corporation	Conventional, VA	3	0.2%	100%	$178,333
Amerisave Mortgage Company A5.0 ★Texas Ratio: 9.93%	Conventional	3	0.2%	30%	$165,000	View
Obsidian Financial Services	Conventional, FHA	3	0.2%	100%	$211,666
Sun West Mortgage Company, Inc	FHA, VA	3	0.2%	100%	$265,000
Luminate Home Loans, Inc. A5.0 ★Texas Ratio: 11.06%	Conventional	3	0.2%	100%	$371,666	View
Hometown Equity Mortgage, LLC	Conventional	3	0.2%	100%	$265,000
Cadence Bank	Conventional, FHA	2	0.1%	100%	$235,000
Panorama Mortgage Group, LLC	Conventional, FHA	2	0.1%	100%	$145,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional, VA	2	0.1%	100%	$505,000	View
American Portfolio Mortgage Corporation	FHA, USDA	2	0.1%	100%	$245,000
AmeriHome Mortgage Company, LLC	FHA	2	0.1%	100%	$260,000
Loanunited.Com, LLC	FHA	2	0.1%	100%	$410,000
Resicentral LLC	Conventional, FHA	2	0.1%	100%	$120,000
American Financial Network, Inc.	FHA	2	0.1%	50%	$315,000
General Mortgage Capital Corporation	Conventional	2	0.1%	100%	$205,000
Eustis Mortgage Corp A+5.0 ★Texas Ratio: 3.34%	Conventional, FHA	2	0.1%	100%	$205,000	View
Success Mortgage Partners, Inc	FHA	2	0.1%	100%	$350,000
Flexpoint, Inc.	Conventional	2	0.1%	100%	$205,000
Nextmortgage, LLC	FHA, USDA	2	0.1%	100%	$145,000
Securitynational Mortgage Company	FHA, USDA	2	0.1%	66.7%	$230,000
Chevron Federal Credit Union A+5.0 ★Texas Ratio: 2.12%	Conventional	2	0.1%	100%	$390,000
Churchill Mortgage Corporation	Conventional, FHA	2	0.1%	100%	$260,000
Waterstone Mortgage Corporation	Conventional, VA	2	0.1%	100%	$185,000
Emet Lending Group, Inc.	Conventional	2	0.1%	100%	$225,000
Mutual of Omaha Mortgage	Conventional	2	0.1%	66.7%	$415,000
Nexera Holding LLC	Conventional	2	0.1%	100%	$225,000
Carrington Mortgage Services LLC	Conventional	2	0.1%	30.8%	$160,000
Bayer Hfcu	Conventional, HELOC	1 +3 HELOCs	0.1%	50%	$45,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.1%	100%	$215,000	View
Cornerstone First Mortgage, LLC	Conventional	1	0.1%	100%	$455,000
Gold Star Mortgage Financial Group, Corporation	FHA	1	0.1%	100%	$245,000
Affordable Mortgage Advisors	Conventional	1	0.1%	100%	$355,000
Sage Home Loans Corporation	FHA	1	0.1%	100%	$255,000
Nbkc Bank	FHA	1	0.1%	100%	$175,000
Acrisure Mortgage, LLC	FHA	1	0.1%	100%	$245,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	VA	1	0.1%	100%	$435,000	View
Filo Mortgage, LLC	FHA	1	0.1%	100%	$295,000
Deephaven Mortgage LLC	Conventional	1	0.1%	100%	$245,000
AmWest Funding Corp	Conventional	1	0.1%	100%	$185,000
Northpointe Bank A5.0 ★Texas Ratio: 8.47%	Conventional	1	0.1%	100%	$265,000	View
Discover Bank	Conventional	1	0.1%	10%	$105,000
Apci Federal Credit Union	Conventional	1	0.1%	100%	$295,000
Bay Equity LLC	Conventional	1	0.1%	100%	$165,000
First Colony Mortgage Corporat	FHA	1	0.1%	100%	$235,000
Homeowners Financial Group, LLC	FHA	1	0.1%	100%	$185,000
Greenbox Loans	Conventional	1	0.1%	100%	$405,000
Stg Mortgage Inc	FHA	1	0.1%	100%	$365,000
Planet Home Lending, LLC	FHA	1	0.1%	66.7%	$405,000
Vellum Mortgage, Inc.	Conventional	1	0.1%	100%	$165,000
Direct Mortgage Loans, LLC	FHA	1	0.1%	100%	$185,000
Lendsure Mortgage Corp.	Conventional	1	0.1%	100%	$375,000
Integrity Home Mortgage Corporation	Conventional	1	0.1%	100%	$265,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	VA	1	0.1%	100%	$535,000	View
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0.1%	50%	$165,000	View
Better Mortgage Corporation	Conventional	1	0.1%	100%	$105,000
Prosperity Home Mortgage, LLC	Conventional	1	0.1%	100%	$245,000
Lower, LLC	Conventional	1	0.1%	100%	$275,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.1%	100%	$545,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	1	0.1%	100%	$1,085,000	View
Angel Oak Mortgage Solutions LLC	Conventional	1	0.1%	100%	$195,000
Champions Funding, LLC	Conventional	1	0.1%	100%	$235,000
Tammac Holdings Corporation	Conventional	1	0.1%	27.6%	$75,000
Cake Mortgage Corp.	Conventional	1	0.1%	100%	$405,000
Figure Lending LLC	HELOC	0 +3 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Comerica Bank A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	0%		View
Valon Mortgage A+5.0 ★Texas Ratio: 3.19%	HELOC	0 +1 HELOCs	0%	n/a		View

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 7, 2026.

Baytown Mortgage Rate Trends

Daily average mortgage rates for Texas compared with the national average, updated every evening.

30-Year Fixed TX Avg

7.414%

▲ 0.066 vs 7 days ago

15-Year Fixed TX Avg

6.904%

▲ 0.023 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Baytown, Texas

Looking for mortgage lenders near me or mortgage brokers near me in Baytown? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Baytown in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Baytown, TX

Use these to narrow the list above. Each category shows how many Baytown, TX lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 133 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 43 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 26 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 98 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 48 lenders. No down payment and no mortgage insurance for eligible veterans and service members USDA lenders 6 lenders. Zero down loans in eligible rural and suburban areas Jumbo lenders 8 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TX 67 lenders headquartered in Texas, the closest thing to a mortgage lender near you

Who Lends in Baytown, TX

Independent mortgage companies closed 80.7 percent of home loans in Baytown, Texas in 2025, banks 8.9 percent and credit unions 10.4 percent. Everett Financial, Inc. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Community Resource Credit Unio the largest credit union. Among lenders headquartered in Texas, Frost Bank led with 12 loans.

80.7%

Mortgage companies

8.9%

Banks

10.4%

Credit unions

41%

FHA loans

VA 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

All Texas lenders 1,264 lenders Houston 690 lenders San Antonio 463 lenders Fort Worth 521 lenders Austin 484 lenders Dallas 513 lenders El Paso 275 lenders Celina 272 lenders Corpus Christi 261 lenders Lubbock 281 lenders Arlington 342 lenders Frisco 337 lenders New Braunfels 280 lenders

Frequently Asked Questions About Mortgage Lenders in Baytown, TX

Who is the largest mortgage lender in Baytown, TX?

By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Baytown, Texas with 27 loans, about 1.4 percent of the market. The largest lender headquartered in Texas was Frost Bank with 12 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Baytown, TX have the highest approval rates?

Among lenders with meaningful volume in Baytown, Texas, Cmg Mortgage Inc approved the highest share of completed applications in 2025 at 94.2 percent, against a 74 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Baytown, TX mortgage lenders offer FHA, VA and USDA loans?

98 lenders closed FHA loans in Baytown, Texas in 2025, led by Lennar Mortgage, LLC with 165. 48 lenders closed VA loans, led by United Wholesale Mortgage, and 6 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.

Are credit unions and local banks included in this Baytown, TX lender list?

Yes. 43 banks and 26 credit unions closed home loans in Baytown, Texas in 2025, alongside 133 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.

How are mortgage lenders in Baytown, TX ranked on this page?

Lenders are ranked only by the number of home loans they closed in Baytown, 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 Baytown, 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 Baytown. 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.