3 Construction Loan Lenders in Bay-City, Texas in 2026

Explore Lendersa®'s list of construction loan lenders in Bay-City, TX, which features regional banks, national lenders, and local hard money lenders using private funds for your new construction projects or significant renovations.

Lenders in Bay-City, TX estimate the construction costs for a 2,000 square foot home starting from $209,509 for a standard structure, up to $382,120 for more deluxe builds. The interest rates and loan terms vary based on the borrower’s financial profile, Loan-to-Value (LTV) ratio, After Repair Value (ARV), and the chosen lender's type.

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Lendersa® utilizes AI technology to immediately match your loan application with numerous construction lenders, ensuring all financing needs are satisfied. You can now explore optimal construction rates to finance new builds, fix-and-flip ventures, or extensive renovations on both residential and commercial properties throughout TX.

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Reducing unnecessary credit inquiries helps safeguard your credit score. Get preapproved for a land loan without needing to provide your social security number or any sensitive financial information.

By pledging additional property, you could qualify for 100% Loan-to-Value (LTV) financing with a blanket loan.

Leverage the Lendersa® land loan calculator to locate lenders for vacant land loans in specific zip codes 77414.



Bay-City Construction Loan Lenders

  • Matagorda County Credit Union
  • 3700 Avenue F, Bay City, TX, 77414
  • Lends in Texas
  • Matagorda County Credit Union is member-owned and exists to promote financial security through savings, lending, financial education and other financial services. The membership will have available sound, cost-effective services which reflect their changing needs. We will support our membership and the community in which we live.

  • Baycel Federal Credit Union
  • 2320 6th Street, Bay City, TX, 77414
  • Lends in Texas
  • Baycel Federal Credit Union is a member owned, federally chartered financial institution. It is regulated by Federal standards and examined by Federal examiners. Being member owned, it is independent and is governed by an elected Board of Directors. The credit union is a success - your success - because of member participation.

  • First National Bank of Lake Jackson
  • 122 W Way St, Lake Jackson, TX, 77566
  • Lends in Texas
  • The First National Bank of Lake Jackson received its charter from the Comptroller of the Currency on September 20, 1963 and opened for business on September 26, 1963. The bank opened with two officers, three employees and twelve directors. By 1976, the bank had outgrown its original location at the corner of Parking Way and That Way

  • First State Bank
  • 200 Brazosport Boulevard North, Clute, TX, 77531
  • Lends in Texas
  • First State Bank was established in 1958 and is dedicated to serving Brazoria County by keeping a step ahead of the current standard in banking. First State Bank offers personalized customer service and the highest quality of products.

    At First State Bank, we're here for you, not just as your convenient community bank,

  • Brazos National Bank Of America
  • 2300 Brazosport Blvd N, Richwood, TX, 77531
  • Lends in Texas
  • At Brazos National Bank, we take the role of community banking seriously. We strive to deliver the financial products and services that the community needs with a personal touch. Whether you prefer the convenience of online or ATM banking or the personal service of a friendly, knowledgeable banking professional.

  • Newfirst National Bank
  • 202 E Jackson, El Campo, TX, 77437
  • Lends in Texas
  • NewFirst National Bank has a long and prosperous history dating back to January 22, 1902.

    It wouldn’t be until 2002 when the name NewFirst National Bank would be approved to coincide with a larger geographic footprint.

    The current office in El Campo, Texas opened in February 1968 and still serves as the headquarters.

  • Texasgulf FCU
  • 2101 N Fulton Street, Wharton, TX, 77488
  • Lends in Texas
  • Texasgulf FCU served the employees and their families of the Texasgulf Sulphur Company in New Gulf, Texas. Texasgulf FCU continued to exclusively serve the employees of the sulphur company and their families for fifty-five years until the sulphur reserves started to deplete Texasgulf FCU now services over 13, 000 members and has $125 million in ass

  • Houston Federal Credit Union
  • 16320 Kensington Dr, Sugar Land, TX, 77479
  • Lends in Texas
  • The Mission of Houston Federal Credit Union is to “Be our members’ advocate by helping them achieve their dreams with personalized financial solutions”. Our Mission Statement was adopted in February 2007. Originally chartered as Fluor Mid-Continent Employees Federal Credit Union, HFCU now has the strength of over $700 million in assets.

  • Pioneer Finance
  • 13310 University Boulevard, Sugar Land, TX, 77479
  • Lends in Texas
  • Pioneer Finance is a direct private lender that helps investors get financing through loans. Over 50 years of collective experience has awarded Pioneer with the right combination of industry knowledge & financial strength to help investors get the funding they need. We offer a variety of loan products and flexible loan terms.

  • Chocolate Bayou Credit Union
  • 1301 North Highway 35 Bypass, Alvin, TX, 77511
  • Lends in Texas
  • Chocolate Bayou Credit Union serves those who live, work, or worship in Brazoria County. We offer affordable, quality financial products and services like loans, checking and savings accounts, and more. Credit Union serves those who live, work, or worship in Brazoria County. We offer affordable, quality financial products and services.