Business phone system for mortgage and nonmortgage loan brokers in Texas

The mortgage brokerage industry in Texas

Texas had 591 mortgage and nonmortgage loan brokers in 2023, according to Census County Business Patterns (NAICS 522310, Mortgage and Nonmortgage Loan Brokers). They employed 4,398 people in mid-March and reported $323.2 million in annual payroll. That is the 3rd highest count among the 51 states and DC with published figures. Mortgage and nonmortgage loan brokers make up 0.09% of the 670,878 business establishments in the state.

Per 100,000 residents (2024 estimate) Texas has 1.9 mortgage and nonmortgage loan brokers, 34.4% below the national rate of 2.9. The average establishment has 7.4 employees against 5.6 nationally. Payroll per employee is $73,490, 17.8% below the U.S. figure of $89,382.

Texas's largest markets for mortgage and nonmortgage loan brokers

Census published mortgage brokerage counts for 14 metro or micropolitan areas that include part of Texas. The largest is Dallas, TX, with 231 establishments. Single-state metro and micropolitan areas account for 96% of the statewide total; the rest are outside any published area or in areas Census suppressed.

Team sizes at mortgage and nonmortgage loan brokers in Texas

80.6% of Texas's mortgage and nonmortgage loan brokers with employees had fewer than five people in March 2023, compared with 81.5% nationally. 91.2% had fewer than ten. At that size the phone is shared, so routing (who rings, when, and what happens after hours) matters more than the number of desk phones.

Why the phone matters for mortgage and nonmortgage loan brokers in Texas

Loan brokers live on responsiveness: borrowers call while house hunting, and agents call to check on approvals before offers. Calls missed during a rate-sensitive moment can cost a deal.

Typical inbound and outbound calls for mortgage and nonmortgage loan brokers in Texas:

• A borrower calls to ask about locking a rate.
• The broker calls a borrower for missing documents.
• An appraiser calls to schedule access to a property.

What mortgage and nonmortgage loan brokers text about

Brokers text document checklists and status updates to borrowers and agents.

Texting from a local number in Texas requires carrier registration (10DLC), a one-time $49 fee on Callata.

Phone system pricing for a 7-person mortgage brokerage

Mortgage and nonmortgage loan brokers in Texas average 7.4 employees, so the comparison uses a 7-person team. Priced per seat, 7 users would run $210.00 a month on RingCentral RingEX Core and $174.65 on Ooma Office Pro (month-to-month list prices, checked September 28, 2026). Callata comes to $139.00 a month for 7 users ($99 a month with 5 users included, then $20 per additional user), below both.

Over a year, that is $852 less than RingCentral for a mortgage brokerage in Texas of that size. Annual contracts lower some competitors' prices, so compare the plan you would actually sign.

Area codes in Texas

Texas has 29 geographic area codes in service according to NANPA. Callata includes up to 3 local numbers, so a mortgage brokerage can hold a number in more than one of them.

How Callata works for mortgage and nonmortgage loan brokers in Texas

Callata Office costs $99 per month for up to 5 people, and each additional user is $20 a month. That covers up to 3 local numbers, calling from a browser or your cell, transcribed voicemail, recorded calls with AI summaries, after-hours routing and E911 on each number.

Porting a number you already use in Texas is free, and business texting is available once the carrier registration (10DLC) is approved; the registration carries a one-time $49 fee. Which specific numbers are open in a given area code depends on carrier inventory at the time you sign up.

AI agents are optional: an AI receptionist or scheduler can pick up when the team is busy or closed, take a message, send a text or email, or transfer the call. They draw on prepaid AI minutes ($0.25/minute), disclose that they are AI, and outbound AI calls require prior consent and are limited to 8am–9pm.

Marketing calls and texts require consent, and financial details should not be sent by text.