Mortgage Lenders and Brokers in Dayton, 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
Dayton, Texas mortgage lenders include First Liberty BankFirst Liberty Bank900 Highway 146, Dayton, TX 77535A+5.0 ★Texas Ratio: 2.73%, Prosperity BankProsperity Bank106 N Main St, Dayton, TX 77535A+5.0 ★Texas Ratio: 1.58%, Rave Financial Credit UnionRave Financial Credit Union999 Highway 146, Dayton, TX 77535 2849A+5.0 ★Texas Ratio: 3.39%, Cornerstone Capital Bank, SsbCornerstone Capital Bank, Ssb710 Highway 71 W, Bastrop, TX 78602A+5.0 ★Texas Ratio: 3.21%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Shell Federal Credit UnionShell Federal Credit Union7235 John Martin Road, Baytown, TX 77521A+5.0 ★Texas Ratio: 3.66%, Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, US Bank, N.A.US Bank, N.A.13737 Noel Rd, Dallas, TX 75240A+5.0 ★Texas Ratio: 2.85%, Velocio Mortgage, L.L.C.Velocio Mortgage, L.L.C.705 E 12th St, Austin, TX 78701 1909A+5.0 ★Texas Ratio: 1.87%, and Jsc FCUJsc FCU877 E Highway 6, Alvin, TX 77511A+5.0 ★Texas Ratio: 5.77%. 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 Dayton, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Dayton 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 Dayton, Texas
Market share is the lender's share of all home loans closed in Dayton, 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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2 offices in Dayton 900 Highway 146, Dayton, TX 77535 A+5.0 ★Texas Ratio: 2.73% |
Conventional | 9 | 1.3% | 45.8% | $325,000 | View |
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★ 1 stars, 1 review 2 offices in Dayton 106 N Main St, Dayton, TX 77535 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 1 | 0.1% | 50% | $235,000 | View |
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999 Highway 146, Dayton, TX 77535 2849 A+5.0 ★Texas Ratio: 3.39% |
Conventional | 11 | 1.6% | 73.3% | $105,000 | View |
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710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21% |
Conventional, FHA, VA | 7 | 1% | 100% | $352,142 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 5 | 0.7% | 85.7% | $245,000 | View |
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7235 John Martin Road, Baytown, TX 77521 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 4 | 0.6% | 44.4% | $170,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 3 | 0.4% | 100% | $251,666 | View |
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13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 2 | 0.3% | 100% | $350,000 | View |
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705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87% |
Conventional, FHA | 2 | 0.3% | 100% | $255,000 | View |
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877 E Highway 6, Alvin, TX 77511 A+5.0 ★Texas Ratio: 5.77% |
Conventional, HELOC | 1 +2 HELOCs |
0.1% | 33.3% | $115,000 | View |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $55,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
FHA | 1 | 0.1% | 100% | $135,000 | |
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1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.1% | 100% | $675,000 | View |
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501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55% |
USDA | 1 | 0.1% | 100% | $205,000 | View |
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6360 Garth Rd Ste 140, Baytown, TX 77521 5105 A+5.0 ★Texas Ratio: 3.85% |
Conventional | 1 | 0.1% | 100% | $565,000 | View |
Fivepoint Credit Union
4005 Dowlen Rd, Beaumont, TX 77706 6850 |
Conventional | 1 | 0.1% | 100% | $195,000 | |
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3201 W Davis St, Conroe, TX 77304 2039 A5.0 ★Texas Ratio: 6.46% |
Conventional | 1 | 0.1% | 100% | $145,000 | View |
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10300 Town Park Dr, Houston, TX 77072 5236 A+5.0 ★Texas Ratio: 2.70% |
Conventional | 1 | 0.1% | 100% | $55,000 | View |
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1299 E Highway 6, Alvin, TX 77511 A5.0 ★Texas Ratio: 7.70% |
Conventional | 1 | 0.1% | 50% | $395,000 | View |
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1750 Valley View Ln Ste 110, Farmers Branch, TX 75234 9024 A+5.0 ★Texas Ratio: 0.59% |
Conventional | 1 | 0.1% | 100% | $125,000 | View |
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1001 Congress Ave, Austin, TX 78701 A5.0 ★Texas Ratio: 7.25% |
Conventional | 1 | 0.1% | 100% | $105,000 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
VA | 1 | 0.1% | 100% | $675,000 | View |
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3923 5th St, Brookshire, TX 77423 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.1% | 100% | $45,000 | View |
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4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72% |
HELOC | 0 +2 HELOCs |
0% | 100% | View | |
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★ 1.7 stars, 3 reviews 1049 N 3rd St Ste 100, Abilene, TX 79601 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 91 | 13.2% | 73.8% | $295,329 | |
Brightland Mortgage Services, Ltd.
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Conventional, FHA, VA | 18 | 2.6% | 100% | $289,444 | |
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C-3.6 ★Texas Ratio: 31.27% |
Conventional, FHA, VA | 14 | 2% | 93.3% | $292,857 | View |
Stone Meadow Lending, LLC
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Conventional, FHA, VA | 12 | 1.7% | 92.3% | $367,500 | |
Interlinc Mortgage Services, LLC
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Conventional, FHA, VA | 9 | 1.3% | 100% | $310,555 | |
Republic State Mortgage Company
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Conventional, FHA, VA | 9 | 1.3% | 100% | $313,888 | |
Community Resource Credit Unio
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Conventional | 7 | 1% | 46.7% | $235,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA | 6 | 0.9% | 100% | $208,333 | |
Colina Mortgage Group
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Conventional, FHA, VA | 5 | 0.7% | 87.5% | $373,000 | |
Primelending
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Conventional, FHA | 4 | 0.6% | 80% | $147,500 | |
Sfmc, LP
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Conventional, FHA | 4 | 0.6% | 66.7% | $287,500 | |
Network Funding, L.P.
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Conventional, FHA | 4 | 0.6% | 50% | $315,000 | |
Countryplace Mortgage, Ltd.
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Conventional, FHA | 3 | 0.4% | 60% | $218,333 | |
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A+5.0 ★Texas Ratio: 0.92% |
Conventional, FHA | 3 | 0.4% | 100% | $178,333 | View |
SWBC Mortgage Corporation
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VA | 1 | 0.1% | 100% | $235,000 | |
Texas Bay Area Credit Union
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Conventional | 1 | 0.1% | 100% | $435,000 | |
Capital Concepts Inc
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Conventional | 1 | 0.1% | 100% | $215,000 | |
Willow Bend Mortgage Company, LLC
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FHA | 1 | 0.1% | 100% | $295,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 0.1% | 12.2% | $95,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.1% | 100% | $275,000 | |
Wagon Hill Home Loans LLC
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Conventional | 1 | 0.1% | 100% | $295,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.1% | 33.3% | $205,000 | |
Right Start Mortgage, Inc
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FHA | 1 | 0.1% | 100% | $255,000 | |
Stellar Bank
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Conventional | 1 | 0.1% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.1% | 100% | $65,000 | View |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.1% | 100% | $245,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 53 | 7.7% | 93.1% | $311,226 | |
K. Hovnanian American Mortgage
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Conventional, FHA, VA, USDA | 37 | 5.3% | 69.8% | $317,702 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 30 | 4.3% | 75.6% | $237,666 | View |
21St Mortgage
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Conventional | 26 | 3.8% | 50% | $129,615 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, VA | 23 | 3.3% | 82.8% | $245,434 | View |
Cmg Mortgage Inc
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Conventional, FHA, VA, USDA | 21 | 3% | 95.8% | $229,285 | |
New American Funding, LLC.
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Conventional, FHA, VA | 21 | 3% | 91.3% | $284,523 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 17 | 2.5% | 23.5% | $113,235 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 14 | 2% | 88.9% | $332,142 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 14 | 2% | 50% | $128,571 | View |
Kind Lending, LLC
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Conventional, FHA | 11 | 1.6% | 73.3% | $174,090 | |
loanDepot.com LLC
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Conventional, FHA, USDA | 11 | 1.6% | 92.3% | $241,363 | |
Mortgage Research Center
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Conventional, FHA, VA | 10 | 1.4% | 90.9% | $268,000 | |
Jet HomeLoans, LP
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Conventional, FHA | 8 | 1.2% | 100% | $248,750 | |
Fairway Independent Mort Corp
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Conventional, FHA, VA | 8 | 1.2% | 100% | $311,250 | |
Plaza Home Mortgage, Inc
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Conventional, FHA, VA | 8 | 1.2% | 66.7% | $330,000 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 7 | 1% | 100% | $200,714 | View |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 7 | 1% | 100% | $329,285 | |
The Loan Store, Inc
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Conventional, FHA | 7 | 1% | 100% | $192,142 | |
Canopy Mortgage, LLC
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Conventional, FHA | 6 | 0.9% | 100% | $333,333 | |
Equity Prime Mortgage LLC
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FHA, VA | 6 | 0.9% | 100% | $256,666 | |
Paramount Residential Mortgage
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Conventional, FHA, VA | 6 | 0.9% | 100% | $253,333 | |
Newrez LLC
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Conventional, FHA, VA | 5 | 0.7% | 62.5% | $329,000 | |
Pulte Mortgage LLC
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Conventional, FHA | 5 | 0.7% | 45.5% | $297,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 4 | 0.6% | 54.5% | $225,000 | |
Lakeview Loan Servicing, LLC
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FHA | 3 | 0.4% | 50% | $388,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, USDA | 3 | 0.4% | 100% | $211,666 | |
Pennymac Loan Services LLC
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Conventional, FHA | 3 | 0.4% | 75% | $258,333 | |
Mortgage Financial Services
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FHA, USDA | 3 | 0.4% | 100% | $255,000 | |
Cadence Bank
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Conventional, FHA | 2 | 0.3% | 100% | $155,000 | |
Residential Wholesale Mortgage
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Conventional, FHA | 2 | 0.3% | 100% | $85,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 0.3% | 100% | $135,000 | |
Success Mortgage Partners, Inc
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FHA | 2 | 0.3% | 100% | $325,000 | |
Cardinal Financial Company, Li
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Conventional, VA | 2 | 0.3% | 100% | $435,000 | |
Sierra Pacific Mortgage Co. Inc
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FHA | 2 | 0.3% | 100% | $200,000 | |
Towne Mortgage Company
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FHA | 2 | 0.3% | 100% | $225,000 | |
V.I.P. Mortgage, Inc.
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Conventional, Jumbo | 2 | 0.3% | 100% | $605,000 | |
Southwest Stage Funding LLC
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Conventional, FHA | 2 | 0.3% | 88.9% | $260,000 | |
Loan Simple, Inc.
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Conventional, FHA | 2 | 0.3% | 100% | $130,000 | |
Spring Eq, LLC
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Conventional | 2 | 0.3% | 40% | $110,000 | |
Tammac Holdings Corporation
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Conventional | 2 | 0.3% | 24% | $120,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
First Community Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $205,000 | |
Goodleap, LLC
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Conventional | 1 | 0.1% | 100% | $105,000 | |
Acrisure Mortgage, LLC
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FHA | 1 | 0.1% | 100% | $195,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.1% | 100% | $265,000 | View |
Movement Mortgage, LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
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A5.0 ★Texas Ratio: 9.93% |
Conventional | 1 | 0.1% | 33.3% | $175,000 | View |
American Financial Network, Inc.
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FHA | 1 | 0.1% | 100% | $295,000 | |
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A+5.0 ★Texas Ratio: 3.34% |
VA | 1 | 0.1% | 100% | $155,000 | View |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.1% | 100% | $335,000 | View |
Sun West Mortgage Company, Inc
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VA | 1 | 0.1% | 100% | $275,000 | |
American Financing Corporation
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Calcon Mutual Mortgage LLC
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Conventional | 1 | 0.1% | 100% | $355,000 | |
Nfm, Inc
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FHA | 1 | 0.1% | 100% | $335,000 | |
Land Home Financial Services,
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FHA | 1 | 0.1% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.1% | 100% | $85,000 | View |
Nations Lending Corporation
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Conventional | 1 | 0.1% | 100% | $125,000 | |
Vellum Mortgage, Inc.
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Conventional | 1 | 0.1% | 100% | $275,000 | |
Wolfe Financial Inc
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Conventional | 1 | 0.1% | 100% | $325,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $345,000 | |
Better Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $145,000 | |
Mortgage Solutions of Colorado
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FHA | 1 | 0.1% | 100% | $295,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.1% | 100% | $445,000 | View |
CSL Financial, LLC
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Conventional | 1 | 0.1% | 100% | $155,000 | |
Mld Mortgage, Inc.Dba the Money Store
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FHA | 1 | 0.1% | 100% | $535,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.1% | 50% | $65,000 | |
Nexera Holding LLC
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Conventional | 1 | 0.1% | 100% | $335,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.1% | 100% | $245,000 | View |
Geneva Financial LLC
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FHA | 1 | 0.1% | 100% | $165,000 | |
Champions Funding, LLC
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Village Capital & Investment
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VA | 1 | 0.1% | 50% | $625,000 | |
JMAC Lending, Inc.
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Conventional | 1 | 0.1% | 100% | $405,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Bayer Hfcu
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HELOC | 0 +1 HELOCs |
0% | n/a |
Dayton 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 Dayton, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Dayton? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Dayton in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Dayton, TX
Use these to narrow the list above. Each category shows how many Dayton, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Dayton, TX
Independent mortgage companies closed 88.9 percent of home loans in Dayton, Texas in 2025, banks 6.4 percent and credit unions 4.8 percent. Velocio Mortgage, L.L.C. was the largest mortgage company, First Liberty Bank the largest bank and Rave Financial Credit Union the largest credit union. Among lenders headquartered in Texas, First Liberty Bank led with 9 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 Dayton, TX
By home loans closed in 2025, First Liberty Bank was the largest mortgage lender in Dayton, Texas with 9 loans, about 1.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Dayton, Texas, United Wholesale Mortgage approved the highest share of completed applications in 2025 at 93.1 percent, against a 68.5 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.
62 lenders closed FHA loans in Dayton, Texas in 2025, led by DHI Mortgage Company, LTD. with 74. 28 lenders closed VA loans, led by United Wholesale Mortgage, and 7 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. 21 banks and 15 credit unions closed home loans in Dayton, Texas in 2025, alongside 90 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 Dayton, 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 Dayton, 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 Dayton. 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.
