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Mortgage Lenders and Brokers in Fair Oaks Ranch, Texas

Content reviewed by

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

Fair Oaks Ranch, Texas mortgage lenders include Frost BankFrost Bank9090 Fair Oaks Pkwy, Fair Oaks Ranch, TX 78015A+5.0 ★Texas Ratio: 2.51%, Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, Security ServiceSecurity Service135 W Bandera Rd, Boerne, TX 78006 2958A5.0 ★Texas Ratio: 6.91%, Cornerstone Capital Bank, SsbCornerstone Capital Bank, Ssb710 Highway 71 W, Bastrop, TX 78602A+5.0 ★Texas Ratio: 3.21%, Velocio Mortgage, L.L.C.Velocio Mortgage, L.L.C.705 E 12th St, Austin, TX 78701 1909A+5.0 ★Texas Ratio: 1.87%, Jefferson BankJefferson Bank114 W 7th Street Suite 100, Austin, TX 78701A5.0 ★Texas Ratio: 6.02%, Broadway National BankBroadway National Bank911 W 38th St, Austin, TX 78705A+5.0 ★Texas Ratio: 1.69%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Pilgrim Mortgage LLCPilgrim Mortgage LLC123 E 3rd St, Clarendon, TX 79226A+5.0 ★Texas Ratio: 1.04%, and Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%. 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 Fair Oaks Ranch, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Fair Oaks Ranch 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 Fair Oaks Ranch, Texas

Market share is the lender's share of all home loans closed in Fair Oaks Ranch, 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
Frost Bank ★ 5 stars, 1 review 1 office in Fair Oaks Ranch 9090 Fair Oaks Pkwy, Fair Oaks Ranch, TX 78015 A+5.0 ★Texas Ratio: 2.51%	Conventional, Jumbo, HELOC	22 +8 HELOCs	3.7%	77.4%	$236,818	View
Randolph-Brooks Federal Credit Union 404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89%	Conventional, Jumbo, HELOC	40 +9 HELOCs	6.7%	90.7%	$214,250	View
Security Service ★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91%	Conventional, HELOC	32 +16 HELOCs	5.4%	86.5%	$256,562	View
Cornerstone Capital Bank, Ssb 710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21%	Conventional, FHA, VA, Jumbo	28	4.7%	100%	$498,214	View
Velocio Mortgage, L.L.C. 705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87%	Conventional, VA	12	2%	100%	$504,166	View
Jefferson Bank 114 W 7th Street Suite 100, Austin, TX 78701 A5.0 ★Texas Ratio: 6.02%	Conventional, FHA, VA, Jumbo	10	1.7%	100%	$512,000	View
Broadway National Bank 911 W 38th St, Austin, TX 78705 A+5.0 ★Texas Ratio: 1.69%	Conventional, Jumbo	9	1.5%	90%	$678,333	View
JPMorgan Chase Bank, NA 3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo	7	1.2%	87.5%	$512,142	View
Pilgrim Mortgage LLC 123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04%	Conventional, VA, Jumbo	5	0.8%	100%	$673,000	View
Wells Fargo Bank NA 3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36%	Conventional, VA, Jumbo	4	0.7%	80%	$642,500	View
Bank of America NA 2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	3 +10 HELOCs	0.5%	100%	$561,666	View
International Bank of Commerce 1421 W Frontage Rd, Alamo, TX 78516	Conventional	3	0.5%	60%	$118,333
Sunflower Bank, N.A. 623 W 38th St, Austin, TX 78705 A5.0 ★Texas Ratio: 10.77%	Conventional, VA, Jumbo	3	0.5%	100%	$868,333	View
First United Bank and Trust Co 10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43%	Conventional, HELOC	2 +1 HELOCs	0.3%	66.7%	$800,000	View
Everett Financial, Inc. 1212 Royal Pkwy Ste 103, Euless, TX 76040 6713	Conventional	2	0.3%	100%	$480,000
Amplify Credit Union 2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772 A+5.0 ★Texas Ratio: 4.72%	Conventional, Jumbo	2	0.3%	100%	$775,000	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	2	0.3%	100%	$160,000	View
Usaa Federal Savings Bank 10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80%	VA	2	0.3%	50%	$610,000	View
Firstmark Credit Union 610 W Main St, Fredericksburg, TX 78624 3132 A+5.0 ★Texas Ratio: 4.40%	Conventional	2	0.3%	66.7%	$565,000	View
Texas Regional Bank 1001 Congress Ave, Austin, TX 78701 A5.0 ★Texas Ratio: 7.25%	Conventional, Jumbo	2	0.3%	100%	$890,000	View
Synergy Federal Credit Union 1147 Cantwell Ln, Corpus Christi, TX 78407 A+5.0 ★Texas Ratio: 1.39%	Conventional	2	0.3%	100%	$430,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 1049 N 3rd St Ste 100, Abilene, TX 79601 A+5.0 ★Texas Ratio: 4.24%	Conventional, HELOC	1 +4 HELOCs	0.2%	100%	$245,000	View
Zions Bancorporation, N.A. 4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72%	VA, HELOC	1 +2 HELOCs	0.2%	100%	$445,000	View
Southwest Airlines FCU 801 W Euless Blvd Ste 104, Euless, TX 76040 4438	Conventional	1	0.2%	100%	$65,000
The First National Bank of Sonora 122 W Bandera Rd, Boerne, TX 78006 C+4.1 ★Texas Ratio: 26.35%	Conventional, Jumbo	1	0.2%	100%	$1,125,000	View
Rally Credit Union 1317 W Frontage Rd, Alamo, TX 78516 2388 A+5.0 ★Texas Ratio: 4.20%	Conventional	1	0.2%	100%	$345,000	View
Huntington National Bank 3800 Matlock Rd, Arlington, TX 76015 A+5.0 ★Texas Ratio: 3.66%	Conventional	1	0.2%	100%	$715,000	View
Liberty Capital Bank 5055 Keller Springs Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 0.53%	Conventional, Jumbo	1	0.2%	100%	$1,205,000	View
Advancial Federal Credit Union 1259 W Exchange Pkwy Ste 100, Allen, TX 75013 A5.0 ★Texas Ratio: 12.30%	Conventional	1	0.2%	100%	$325,000
Regions Bank 1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37%	Conventional	1	0.2%	100%	$525,000	View
United Texas Credit Union 1440 S MAIN ST, BOERNE, TX 78006 A5.0 ★Texas Ratio: 9.26%	Conventional	1	0.2%	100%	$165,000	View
Texas Mortgage Lending, LLC 900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34%	Conventional	1	0.2%	100%	$575,000	View
Castroville State Bank 115 County Road 4718, Castroville, TX 78009 A+5.0 ★Texas Ratio: 1.81%	Conventional	1	0.2%	100%	$495,000	View
Yoakum National Bank 701 N Wells St, Edna, TX 77957	Conventional	1	0.2%	100%	$675,000
Bokf NA 792 S Watters Rd, Allen, TX 75013 A+5.0 ★Texas Ratio: 1.05%	Conventional	1	0.2%	100%	$575,000	View
First Ciitizens Bank and Trust 4101 Marathon Blvd, Austin, TX 78756 A5.0 ★Texas Ratio: 7.72%	Conventional	1	0.2%	100%	$465,000	View
Prosperity Bank ★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58%	Conventional, Jumbo	1	0.2%	100%	$1,025,000	View
Nexbank 2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93%	Conventional	1	0.2%	100%	$305,000	View
Centennial Bank 1 Village Dr, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.14%	Conventional, Jumbo	1	0.2%	100%	$1,385,000	View
Plainscapital Bank 804 N Collins St, Arlington, TX 76011 A+5.0 ★Texas Ratio: 4.03%	Conventional, Jumbo	1	0.2%	100%	$865,000	View
MidFirst Bank 1920 Mckinney Ave, Dallas, TX 75201 A+5.0 ★Texas Ratio: 4.93%	HELOC	0 +1 HELOCs	0%	n/a		View
American Bank, N.A. 2707 W Northwest Hwy, Dallas, TX 75220 A+5.0 ★Texas Ratio: 4.14%	HELOC	0 +1 HELOCs	0%	n/a		View
Gardner Financial Services	Conventional, VA, Jumbo	29	4.8%	100%	$522,241
Primelending	Conventional, FHA, VA	13	2.2%	100%	$559,615
SWBC Mortgage Corporation	Conventional, VA, Jumbo	7	1.2%	100%	$680,714
Directions Equity, LLC	Conventional, FHA, VA	7	1.2%	100%	$565,000
Right Start Mortgage, Inc	Conventional, FHA	7	1.2%	87.5%	$389,285
Loanpeople, LLC	Conventional, VA	6	1%	100%	$556,666
Ark-La-Tex Financial Services LLC	Conventional, VA	6	1%	100%	$430,000
Network Funding, L.P.	Conventional, VA, Jumbo	5	0.8%	100%	$685,000
Nationstar Mortgage	Conventional	5	0.8%	100%	$229,000
Southern Lending Services, Ltd.	Conventional, VA, Jumbo	3	0.5%	100%	$875,000
PrimeLending Ventures LLC	Conventional	2	0.3%	100%	$495,000
Envoy Mortgage, Ltd	Conventional	2	0.3%	100%	$475,000
Sfmc, LP	Conventional	2	0.3%	100%	$380,000
Highlands Residential Mortgage, Ltd.	Conventional, VA, Jumbo	2	0.3%	100%	$895,000
Certified Funding, L.P.	Conventional	2	0.3%	33.3%	$255,000
Southwest Funding LP	Conventional	2	0.3%	100%	$300,000
FocusOne Mortgage, LLC	Conventional	1	0.2%	100%	$205,000
Orchard Mortgage, LLC	Conventional	1	0.2%	100%	$415,000
Clm Mortgage, Inc	Conventional	1	0.2%	100%	$305,000
Republic State Mortgage Company	FHA	1	0.2%	100%	$565,000
Genway Home Mortgage, Inc.	FHA	1	0.2%	100%	$555,000
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional	1	0.2%	100%	$65,000	View
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo	44	7.4%	86.5%	$581,363
Rocket Mortgage B+4.7 ★Texas Ratio: 18.17%	Conventional, FHA, VA, Jumbo	34	5.7%	75%	$392,058	View
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	14	2.3%	83.3%	$497,142
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	12	2%	100%	$521,666
Guaranteed Rate, Inc.	Conventional, VA, Jumbo	9	1.5%	100%	$466,111
Cmg Mortgage Inc	Conventional, FHA, VA	9	1.5%	100%	$388,333
Newrez LLC	Conventional, FHA, VA	7	1.2%	70%	$470,714
Kind Lending, LLC	Conventional, Jumbo	6	1%	66.7%	$575,000
Mortgage Research Center	Conventional, VA	6	1%	75%	$500,000
New American Funding, LLC.	Conventional, VA	6	1%	100%	$545,000
Navy Federal Credit Union A5.0 ★Texas Ratio: 8.14%	Conventional, VA	6	1%	60%	$348,333
loanDepot.com LLC	Conventional, VA, Jumbo, HELOC	5 +2 HELOCs	0.8%	83.3%	$563,000
Lakeview Loan Servicing, LLC	Conventional, VA	5	0.8%	75%	$497,000
Movement Mortgage, LLC	Conventional, VA, Jumbo	5	0.8%	100%	$743,000
Planet Home Lending, LLC	FHA, VA	5	0.8%	100%	$487,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	FHA, VA, Jumbo	5	0.8%	71.4%	$809,000	View
Spring Eq, LLC	Conventional, HELOC	4 +2 HELOCs	0.7%	44.4%	$102,500
First Equity Mortgage Inc	Conventional, VA	4	0.7%	80%	$417,500
Fairway Independent Mort Corp	Conventional	4	0.7%	100%	$480,000
Flagstar Bank NA D3.3 ★Texas Ratio: 35.11%	Conventional, Jumbo	3	0.5%	75%	$545,000	View
Amerisave Mortgage Company A5.0 ★Texas Ratio: 9.93%	Conventional	3	0.5%	60%	$258,333	View
Mortgage Financial Services	Conventional, FHA, VA	3	0.5%	100%	$561,666
Jet HomeLoans, LP	Conventional, VA	3	0.5%	100%	$658,333
Pentagon Federal Credit Union	VA, HELOC	2 +3 HELOCs	0.3%	100%	$430,000
Cadence Bank	Conventional	2	0.3%	100%	$515,000
American Portfolio Mortgage Corporation	Conventional	2	0.3%	100%	$570,000
Nbkc Bank	VA	2	0.3%	100%	$625,000
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	2	0.3%	100%	$450,000	View
Resicentral LLC	Conventional	2	0.3%	100%	$360,000
Guild Mortgage Company A+5.0 ★Texas Ratio: 2.58%	Conventional, FHA	2	0.3%	100%	$555,000	View
American Financial Network, Inc.	VA	2	0.3%	100%	$425,000
Provident Funding Associates	Conventional	2	0.3%	100%	$470,000
V.I.P. Mortgage, Inc.	Conventional	2	0.3%	100%	$210,000
ClearEdge Lending LLC	Conventional	2	0.3%	100%	$620,000
Mld Mortgage, Inc.Dba the Money Store	Conventional	2	0.3%	100%	$375,000
Plaza Home Mortgage, Inc	FHA, VA	2	0.3%	100%	$555,000
The Mortgage Link, Inc.	Conventional	2	0.3%	100%	$500,000
CrossCountry Mortgage, LLC	Conventional, HELOC	1 +1 HELOCs	0.2%	50%	$475,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.2%	100%	$515,000	View
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional	1	0.2%	100%	$515,000	View
American Financial Resources LLC	VA	1	0.2%	100%	$345,000
Residential Wholesale Mortgage	VA	1	0.2%	100%	$645,000
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	1	0.2%	100%	$905,000	View
Affordable Mortgage Advisors	Conventional	1	0.2%	100%	$355,000
Sage Home Loans Corporation	Conventional	1	0.2%	100%	$805,000
All Credit Considered Mortgage, Inc.	Conventional	1	0.2%	100%	$435,000
Golden Empire Mortgage, Inc.	VA	1	0.2%	100%	$575,000
Guidance Residential, LLC	Conventional	1	0.2%	100%	$335,000
AmeriHome Mortgage Company, LLC	Conventional	1	0.2%	100%	$775,000
Triad Financial Services, Inc. A+5.0 ★Texas Ratio: 5.06%	Conventional	1	0.2%	100%	$115,000	View
Deephaven Mortgage LLC	Conventional	1	0.2%	50%	$475,000
Synergy One Lending, Inc.	Conventional	1	0.2%	100%	$505,000
Primis Bank A5.0 ★Texas Ratio: 13.21%	FHA	1	0.2%	100%	$485,000	View
Pinnacle Bank A+5.0 ★Texas Ratio: 3.04%	Conventional	1	0.2%	100%	$785,000	View
AmWest Funding Corp	Conventional	1	0.2%	100%	$435,000
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional	1	0.2%	100%	$705,000	View
Nqm Funding, LLC	Conventional	1	0.2%	100%	$525,000
Discover Bank	Conventional	1	0.2%	16.7%	$245,000
Das Acquisition Company, LLC	FHA	1	0.2%	100%	$505,000
US Wide Financial LLC	Conventional	1	0.2%	100%	$135,000
A&N Mortgage Services, Inc. A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0.2%	100%	$405,000	View
American Federal Mortgage Corporation	Conventional	1	0.2%	100%	$245,000
Union Home Mortgage Corp.	VA	1	0.2%	100%	$515,000
SIRVA Mortgage, Inc.	Conventional	1	0.2%	100%	$335,000
Fairwinds Credit Union	Conventional	1	0.2%	100%	$205,000
Cardinal Financial Company, Li	VA	1	0.2%	100%	$585,000
First Option Mortgage, LLC	Conventional	1	0.2%	100%	$165,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional	1	0.2%	100%	$695,000	View
American Pacific Mortgage Corporation	VA	1	0.2%	50%	$405,000
Barrington Bank & Trust Company, N.A. A+5.0 ★Texas Ratio: 2.20%	Conventional	1	0.2%	100%	$395,000	View
Emet Lending Group, Inc.	Conventional	1	0.2%	100%	$445,000
Better Mortgage Corporation	Conventional	1	0.2%	100%	$105,000
Gulf Coast Bank and Trust	Conventional	1	0.2%	100%	$305,000
Mortgage Solutions of Colorado	VA	1	0.2%	50%	$705,000
Citadel Servicing Corporation	Conventional	1	0.2%	100%	$605,000
Summit Funding.Inc	VA	1	0.2%	100%	$575,000
Zillow Home Loans, LLC	Conventional	1	0.2%	100%	$505,000
Mutual of Omaha Mortgage	Conventional	1	0.2%	100%	$395,000
Florida Capital Bank, N.A	Conventional, Jumbo	1	0.2%	100%	$1,205,000
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional	1	0.2%	100%	$535,000	View
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	1	0.2%	100%	$915,000	View
21St Mortgage	Conventional	1	0.2%	100%	$115,000
Paramount Residential Mortgage	VA	1	0.2%	100%	$495,000
Nexera Holding LLC	Conventional	1	0.2%	100%	$705,000
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional	1	0.2%	100%	$805,000	View
JMAC Lending, Inc.	Conventional	1	0.2%	100%	$315,000
Figure Lending LLC	HELOC	0 +2 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
Goodleap, LLC	HELOC	0 +1 HELOCs	0%	n/a
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	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.

Fair Oaks Ranch 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 Fair Oaks Ranch, Texas

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

Types of Mortgage Lenders in Fair Oaks Ranch, TX

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

Mortgage companies and brokers 92 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 48 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 14 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 20 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 Jumbo lenders 35 lenders. Loans above the conforming limit for higher priced homes Local lenders based in TX 52 lenders headquartered in Texas, the closest thing to a mortgage lender near you

Who Lends in Fair Oaks Ranch, TX

Independent mortgage companies closed 59.4 percent of home loans in Fair Oaks Ranch, Texas in 2025, banks 24.9 percent and credit unions 15.7 percent. Velocio Mortgage, L.L.C. was the largest mortgage company, Frost Bank the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Frost Bank led with 22 loans.

59.4%

Mortgage companies

24.9%

Banks

15.7%

Credit unions

FHA loans

20%

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 Fair Oaks Ranch, TX

Who is the largest mortgage lender in Fair Oaks Ranch, TX?

By home loans closed in 2025, Frost Bank was the largest mortgage lender in Fair Oaks Ranch, Texas with 22 loans, about 3.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Fair Oaks Ranch, TX mortgage lenders offer FHA, VA and USDA loans?

20 lenders closed FHA loans in Fair Oaks Ranch, Texas in 2025, led by Cornerstone Capital Bank, Ssb with 3. 48 lenders closed VA loans, led by United Wholesale Mortgage. 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 Fair Oaks Ranch, TX lender list?

Yes. 48 banks and 14 credit unions closed home loans in Fair Oaks Ranch, Texas in 2025, alongside 92 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 Fair Oaks Ranch, TX ranked on this page?

Lenders are ranked only by the number of home loans they closed in Fair Oaks Ranch, 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 Fair Oaks Ranch, 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 Fair Oaks Ranch. 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.