Mortgage Lenders and Brokers in Live Oak, 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
Live Oak, Texas mortgage lenders include Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union1 IKEA RBFCU Parkway, Live Oak, TX 78233 2416A+5.0 ★Texas Ratio: 5.89%, Velocio Mortgage, L.L.C.Velocio Mortgage, L.L.C.705 E 12th St, Austin, TX 78701 1909A+5.0 ★Texas Ratio: 1.87%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Security ServiceSecurity Service135 W Bandera Rd, Boerne, TX 78006 2958A5.0 ★Texas Ratio: 6.91%, Pilgrim Mortgage LLCPilgrim Mortgage LLC123 E 3rd St, Clarendon, TX 79226A+5.0 ★Texas Ratio: 1.04%, Usaa Federal Savings BankUsaa Federal Savings Bank10750 Mcdermott Fwy, San Antonio, TX 78288B-3.5 ★Texas Ratio: 6.80%, Firstmark Credit UnionFirstmark Credit Union610 W Main St, Fredericksburg, TX 78624 3132A+5.0 ★Texas Ratio: 4.40%, First United Bank and Trust CoFirst United Bank and Trust Co10526 W Parmer Ln, Austin, TX 78717A5.0 ★Texas Ratio: 10.43%, Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%, and Broadway National BankBroadway National Bank911 W 38th St, Austin, TX 78705A+5.0 ★Texas Ratio: 1.69%. 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 Live Oak, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Live Oak 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 Live Oak, Texas
Market share is the lender's share of all home loans closed in Live Oak, 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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1 IKEA RBFCU Parkway, Live Oak, TX 78233 2416 A+5.0 ★Texas Ratio: 5.89% |
Conventional, HELOC | 33 +10 HELOCs |
11% | 89.7% | $105,000 | View |
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705 E 12th St, Austin, TX 78701 1909 A+5.0 ★Texas Ratio: 1.87% |
Conventional, FHA, VA | 29 | 9.7% | 100% | $412,586 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional, VA | 8 | 2.7% | 80% | $208,750 | View |
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★ 5 stars, 1 review 135 W Bandera Rd, Boerne, TX 78006 2958 A5.0 ★Texas Ratio: 6.91% |
Conventional, HELOC | 6 +3 HELOCs |
2% | 75% | $80,000 | View |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
Conventional, FHA, VA | 5 | 1.7% | 100% | $231,000 | View |
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10750 Mcdermott Fwy, San Antonio, TX 78288 B-3.5 ★Texas Ratio: 6.80% |
Conventional | 3 | 1% | 75% | $168,333 | View |
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610 W Main St, Fredericksburg, TX 78624 3132 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 0.3% | 100% | $215,000 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional | 1 | 0.3% | 100% | $245,000 | 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 | 1 | 0.3% | 33.3% | $35,000 | View |
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911 W 38th St, Austin, TX 78705 A+5.0 ★Texas Ratio: 1.69% |
Conventional | 1 | 0.3% | 100% | $245,000 | View |
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1 Village Dr, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.14% |
Conventional | 1 | 0.3% | 100% | $225,000 | View |
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1100 NW Loop 410 Ste 101, Castle Hills, TX 78213 2263 A5.0 ★Texas Ratio: 6.40% |
Conventional | 1 | 0.3% | 100% | $145,000 | View |
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114 W 7th Street Suite 100, Austin, TX 78701 A5.0 ★Texas Ratio: 6.02% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | 0% | 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 | |
Pikeview Mortgage, LLC
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Conventional, FHA, VA | 23 | 7.7% | 100% | $414,565 | |
Directions Equity, LLC
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Conventional, FHA, VA | 10 | 3.3% | 100% | $283,000 | |
Gardner Financial Services
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Conventional, FHA, VA | 7 | 2.3% | 100% | $237,857 | |
Right Start Mortgage, Inc
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Conventional, FHA | 5 | 1.7% | 71.4% | $225,000 | |
SWBC Mortgage Corporation
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Conventional, FHA | 3 | 1% | 100% | $188,333 | |
Network Funding, L.P.
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Conventional, FHA | 3 | 1% | 100% | $211,666 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA, VA | 3 | 1% | 100% | $211,666 | |
Primelending
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FHA | 2 | 0.7% | 100% | $220,000 | |
Loanpeople, LLC
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Conventional, FHA | 2 | 0.7% | 100% | $240,000 | |
Nationstar Mortgage
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Conventional, FHA | 2 | 0.7% | 66.7% | $345,000 | |
Envoy Mortgage, Ltd
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VA | 1 | 0.3% | 100% | $265,000 | |
Orchard Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $185,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 1 | 0.3% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
VA | 1 | 0.3% | 100% | $335,000 | View |
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A+5.0 ★Texas Ratio: 0.51% |
FHA | 1 | 0.3% | 100% | $205,000 | View |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 24 | 8% | 81.8% | $208,333 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 22 | 7.3% | 100% | $282,727 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA, VA | 7 | 2.3% | 100% | $400,714 | View |
Freedom Mortgage Corporation
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Conventional, VA | 6 | 2% | 100% | $216,666 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA, VA | 6 | 2% | 100% | $151,666 | View |
Cmg Mortgage Inc
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Conventional, FHA, VA | 6 | 2% | 100% | $256,666 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 6 | 2% | 66.7% | $206,666 | |
Newrez LLC
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Conventional, FHA, VA | 5 | 1.7% | 100% | $253,000 | |
Das Acquisition Company, LLC
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Conventional, VA | 5 | 1.7% | 100% | $185,000 | |
New American Funding, LLC.
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Conventional, VA | 5 | 1.7% | 83.3% | $175,000 | |
Mortgage Research Center
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FHA, VA | 4 | 1.3% | 100% | $257,500 | |
V.I.P. Mortgage, Inc.
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FHA, VA | 4 | 1.3% | 100% | $357,500 | |
Mortgage Financial Services
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FHA | 3 | 1% | 100% | $235,000 | |
Provident Funding Associates
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Conventional | 3 | 1% | 100% | $271,666 | |
Zillow Home Loans, LLC
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Conventional, FHA, VA | 3 | 1% | 100% | $245,000 | |
loanDepot.com LLC
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Conventional, HELOC | 2 +1 HELOCs |
0.7% | 100% | $155,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 2 | 0.7% | 100% | $280,000 | |
Goodleap, LLC
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Conventional | 2 | 0.7% | 66.7% | $130,000 | |
Equity Prime Mortgage LLC
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VA | 2 | 0.7% | 66.7% | $430,000 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 2 | 0.7% | 100% | $240,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 0.7% | 66.7% | $245,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional, FHA | 2 | 0.7% | 100% | $230,000 | View |
Obsidian Financial Services
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FHA | 2 | 0.7% | 100% | $235,000 | |
The Loan Store, Inc
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Conventional | 2 | 0.7% | 100% | $185,000 | |
Ruoff Mortgage Company
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FHA | 1 | 0.3% | 100% | $295,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.3% | 25% | $295,000 | |
Kind Lending, LLC
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VA | 1 | 0.3% | 50% | $345,000 | |
PHH Mortgage Corporation
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VA | 1 | 0.3% | 100% | $285,000 | |
Filo Mortgage, LLC
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Conventional | 1 | 0.3% | 100% | $195,000 | |
Assurance Financial Group, L.L.C.
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Conventional | 1 | 0.3% | 100% | $235,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.3% | 100% | $305,000 | |
New Wave Lending Group Inc
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Conventional | 1 | 0.3% | 100% | $185,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.3% | 100% | $245,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $175,000 | |
Integrity Home Mortgage Corporation
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FHA | 1 | 0.3% | 100% | $295,000 | |
Pentagon Federal Credit Union
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VA | 1 | 0.3% | 33.3% | $285,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.3% | 100% | $285,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 0.3% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.3% | 100% | $245,000 | View |
Plaza Home Mortgage, Inc
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Conventional | 1 | 0.3% | 100% | $185,000 | |
Leaderone Financial Corp.
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VA | 1 | 0.3% | 100% | $575,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Live Oak 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 Live Oak, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Live Oak? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Live Oak in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Live Oak, TX
Use these to narrow the list above. Each category shows how many Live Oak, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Live Oak, TX
Independent mortgage companies closed 74.7 percent of home loans in Live Oak, Texas in 2025, banks 9.3 percent and credit unions 16 percent. Velocio Mortgage, L.L.C. was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Randolph-Brooks Federal Credit Union the largest credit union. Among lenders headquartered in Texas, Randolph-Brooks Federal Credit Union led with 33 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 Live Oak, TX
By home loans closed in 2025, Randolph-Brooks Federal Credit Union was the largest mortgage lender in Live Oak, Texas with 33 loans, about 11 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
32 lenders closed FHA loans in Live Oak, Texas in 2025, led by Velocio Mortgage, L.L.C. with 14. 30 lenders closed VA loans, led by Velocio Mortgage, L.L.C.. 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. 14 banks and 6 credit unions closed home loans in Live Oak, Texas in 2025, alongside 53 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 Live Oak, 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 Live Oak, 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 Live Oak. 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.
