Mortgage Lenders and Brokers in Oak Ridge, 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
Oak Ridge, Texas mortgage lenders include First BankFirst Bank900 Bailey Ranch Rd, Aledo, TX 76008A5.0 ★Texas Ratio: 6.67%, American National Bank & TrustAmerican National Bank & Trust108 W Main, Archer City, TX 76351A5.0 ★Texas Ratio: 7.83%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, American National Bank of TexaAmerican National Bank of Texa720 S Greenville Ave, Allen, TX 75002B+4.0 ★Texas Ratio: 2.41%, Prosperity BankProsperity Bank1502 Barrow St, Abilene, TX 79605A+5.0 ★Texas Ratio: 1.58%, Lone Star Credit UnionLone Star Credit Union1515 Fannin St Ste D, Columbus, TX 78934A+5.0 ★Texas Ratio: 2.03%, Vantage Bank TexasVantage Bank Texas1785 Ruben M Torres Blvd, Brownsville, TX 78521A5.0 ★Texas Ratio: 8.20%, Southwest Financial Federal Credit UnionSouthwest Financial Federal Credit Union1750 Valley View Ln Ste 110, Farmers Branch, TX 75234 9024A+5.0 ★Texas Ratio: 0.59%, Pegasus BankPegasus Bank5940 Forest Ln, Dallas, TX 75230A+5.0 ★Texas Ratio: 0.00%, and Texans Credit UnionTexans Credit Union406 W McDermott Dr, Allen, TX 75013 2708A+5.0 ★Texas Ratio: 4.22%. 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 Oak Ridge, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oak Ridge 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 Oak Ridge, Texas
Market share is the lender's share of all home loans closed in Oak Ridge, 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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900 Bailey Ranch Rd, Aledo, TX 76008 A5.0 ★Texas Ratio: 6.67% |
Conventional, FHA, VA | 6 | 4.2% | 88.9% | $385,000 | View |
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108 W Main, Archer City, TX 76351 A5.0 ★Texas Ratio: 7.83% |
Conventional, FHA | 5 | 3.5% | 100% | $347,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional, FHA | 4 | 2.8% | 80% | $300,000 | |
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720 S Greenville Ave, Allen, TX 75002 B+4.0 ★Texas Ratio: 2.41% |
Conventional, FHA | 4 | 2.8% | 100% | $290,000 | View |
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★ 1 stars, 1 review 1502 Barrow St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 1.58% |
Conventional | 2 | 1.4% | 100% | $260,000 | View |
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1515 Fannin St Ste D, Columbus, TX 78934 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 1 | 0.7% | 100% | $165,000 | View |
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1785 Ruben M Torres Blvd, Brownsville, TX 78521 A5.0 ★Texas Ratio: 8.20% |
Conventional | 1 | 0.7% | 100% | $465,000 | 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 | 0.7% | 100% | $155,000 | View |
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5940 Forest Ln, Dallas, TX 75230 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 0.7% | 100% | $385,000 | View |
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406 W McDermott Dr, Allen, TX 75013 2708 A+5.0 ★Texas Ratio: 4.22% |
Conventional | 1 | 0.7% | 100% | $155,000 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional | 1 | 0.7% | 100% | $385,000 | View |
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3637 N Buckner Blvd, Dallas, TX 75228 A+5.0 ★Texas Ratio: 4.76% |
Conventional | 1 | 0.7% | 100% | $405,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
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★ 1 stars, 1 review 3939 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Sfmc, LP
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Conventional, FHA, VA | 15 | 10.6% | 100% | $375,000 | |
Primelending
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Conventional, FHA | 2 | 1.4% | 100% | $335,000 | |
Integrity Mortgage Corporation of Texas
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Conventional, VA | 2 | 1.4% | 100% | $455,000 | |
Highlands Residential Mortgage, Ltd.
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Conventional | 2 | 1.4% | 100% | $235,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA | 2 | 1.4% | 100% | $265,000 | |
Countryplace Mortgage, Ltd.
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Conventional | 1 | 0.7% | 50% | $175,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.7% | 50% | $335,000 | |
Right Start Mortgage, Inc
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Conventional | 1 | 0.7% | 100% | $265,000 | |
Southwest Funding LP
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Conventional | 1 | 0.7% | 100% | $205,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 16 | 11.3% | 85% | $300,625 | View |
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 5.6% | 90.9% | $393,750 | |
21St Mortgage
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Conventional | 8 | 5.6% | 37.5% | $130,000 | |
Mortgage Research Center
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Conventional, FHA, VA | 5 | 3.5% | 100% | $351,000 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 2.8% | 100% | $442,500 | |
Cmg Mortgage Inc
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FHA, VA, USDA | 4 | 2.8% | 100% | $287,500 | |
CrossCountry Mortgage, LLC
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FHA, VA | 3 | 2.1% | 100% | $438,333 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 2.1% | 33.3% | $125,000 | |
American Portfolio Mortgage Corporation
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Conventional, FHA | 2 | 1.4% | 100% | $250,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 1.4% | 66.7% | $190,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 2 | 1.4% | 100% | $445,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.7% | 100% | $425,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
FHA | 1 | 0.7% | 100% | $545,000 | View |
American Financial Resources LLC
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FHA | 1 | 0.7% | 100% | $235,000 | |
Guaranteed Rate, Inc.
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FHA | 1 | 0.7% | 100% | $305,000 | |
Goodleap, LLC
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Conventional | 1 | 0.7% | 50% | $355,000 | |
Servion
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Conventional | 1 | 0.7% | 100% | $175,000 | |
Canopy Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $155,000 | |
Hamilton Mortgage Corporation
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FHA | 1 | 0.7% | 100% | $365,000 | |
AmeriHome Mortgage Company, LLC
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Conventional | 1 | 0.7% | 100% | $395,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.7% | 45% | $95,000 | View |
PHH Mortgage Corporation
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VA | 1 | 0.7% | 100% | $385,000 | |
Pennymac Loan Services LLC
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VA | 1 | 0.7% | 50% | $465,000 | |
Synergy One Lending, Inc.
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FHA | 1 | 0.7% | 100% | $385,000 | |
Discover Bank
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Conventional | 1 | 0.7% | 50% | $85,000 | |
Sun West Mortgage Company, Inc
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Conventional | 1 | 0.7% | 50% | $375,000 | |
Mortgage Financial Services
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FHA | 1 | 0.7% | 100% | $315,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.7% | 100% | $215,000 | |
Land Home Financial Services,
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FHA | 1 | 0.7% | 100% | $405,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.7% | 100% | $345,000 | |
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A+5.0 ★Texas Ratio: 0.22% |
Conventional | 1 | 0.7% | 100% | $205,000 | View |
T2 Financial LLC
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FHA | 1 | 0.7% | 100% | $235,000 | |
American Pacific Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $515,000 | |
Towne Mortgage Company
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FHA | 1 | 0.7% | 100% | $365,000 | |
New American Funding, LLC.
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Conventional | 1 | 0.7% | 50% | $205,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.7% | 100% | $305,000 | |
ClearEdge Lending LLC
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Conventional | 1 | 0.7% | 100% | $345,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.7% | 100% | $155,000 | |
Paramount Residential Mortgage
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Conventional | 1 | 0.7% | 100% | $465,000 | |
The Mortgage Link, Inc.
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FHA | 1 | 0.7% | 100% | $255,000 | |
Tammac Holdings Corporation
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Conventional | 1 | 0.7% | 33.3% | $145,000 |
Oak Ridge 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 Oak Ridge, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Oak Ridge? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oak Ridge in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oak Ridge, TX
Use these to narrow the list above. Each category shows how many Oak Ridge, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Oak Ridge, TX
Independent mortgage companies closed 78.9 percent of home loans in Oak Ridge, Texas in 2025, banks 17.6 percent and credit unions 3.5 percent. Everett Financial, Inc. was the largest mortgage company, First Bank the largest bank and Lone Star Credit Union the largest credit union. Among lenders headquartered in Texas, First Bank led with 6 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 Oak Ridge, TX
By home loans closed in 2025, First Bank was the largest mortgage lender in Oak Ridge, Texas with 6 loans, about 4.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
26 lenders closed FHA loans in Oak Ridge, Texas in 2025, led by Sfmc, LP with 9. 12 lenders closed VA loans, led by Mortgage Research Center, and 1 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. 13 banks and 5 credit unions closed home loans in Oak Ridge, Texas in 2025, alongside 47 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 Oak Ridge, 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 Oak Ridge, 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 Oak Ridge. 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.
