Mortgage Lenders and Brokers in Oak Trail Shores, 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 Trail Shores, Texas mortgage lenders include Southstate Bank, National AssociationSouthstate Bank, National Association3301 Fall Creek Hwy, Acton, TX 76049A+5.0 ★Texas Ratio: 2.27%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, American National Bank & TrustAmerican National Bank & Trust108 W Main, Archer City, TX 76351A5.0 ★Texas Ratio: 7.83%, PNC Bank N.A.PNC Bank N.A.1049 N 3rd St Ste 100, Abilene, TX 79601A+5.0 ★Texas Ratio: 4.24%, Centennial BankCentennial Bank1 Village Dr, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.14%, Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, First Financial BankFirst Financial Bank2617 Antilley Rd, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.74%, FocusOne Mortgage, LLCFocusOne Mortgage, LLCHouston, TX, Sfmc, LPSfmc, LPPlano, TX, and Credit Human Federal Credit UnCredit Human Federal Credit UnSan Antonio, TX. 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 Trail Shores, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oak Trail Shores 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 Trail Shores, Texas
Market share is the lender's share of all home loans closed in Oak Trail Shores, 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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★ 5 stars, 1 review 3301 Fall Creek Hwy, Acton, TX 76049 A+5.0 ★Texas Ratio: 2.27% |
Conventional | 2 | 3.6% | 100% | $145,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.8% | 100% | $25,000 | View |
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108 W Main, Archer City, TX 76351 A5.0 ★Texas Ratio: 7.83% |
Conventional | 1 | 1.8% | 100% | $285,000 | 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% |
Conventional | 1 | 1.8% | 100% | $245,000 | View |
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1 Village Dr, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.14% |
USDA | 1 | 1.8% | 100% | $255,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
FocusOne Mortgage, LLC
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Conventional | 1 | 1.8% | 100% | $295,000 | |
Sfmc, LP
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Conventional | 1 | 1.8% | 100% | $165,000 | |
Credit Human Federal Credit Un
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Conventional | 1 | 1.8% | 100% | $155,000 | |
The First National Bank of Gra
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Conventional | 1 | 1.8% | 100% | $65,000 | |
21St Mortgage
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Conventional | 11 | 20% | 70.6% | $127,727 | |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 5 | 9.1% | 100% | $99,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 3 | 5.5% | 100% | $198,333 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 2 | 3.6% | 66.7% | $225,000 | View |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 2 | 3.6% | 100% | $125,000 | View |
Planet Home Lending, LLC
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Conventional, USDA | 2 | 3.6% | 100% | $140,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 3.6% | 100% | $225,000 | |
Mason-McDuffie Mortgage Corporation
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Conventional | 2 | 3.6% | 100% | $365,000 | |
American Portfolio Mortgage Corporation
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FHA | 1 | 1.8% | 100% | $215,000 | |
Cornerstone First Mortgage, LLC
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VA | 1 | 1.8% | 100% | $225,000 | |
United Wholesale Mortgage
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Conventional | 1 | 1.8% | 100% | $145,000 | |
American Financial Resources LLC
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USDA | 1 | 1.8% | 100% | $155,000 | |
Freedom Mortgage Corporation
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VA | 1 | 1.8% | 100% | $235,000 | |
Acrisure Mortgage, LLC
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Conventional | 1 | 1.8% | 100% | $205,000 | |
CrossCountry Mortgage, LLC
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Conventional | 1 | 1.8% | 100% | $305,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.8% | 100% | $65,000 | |
Sun West Mortgage Company, Inc
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VA | 1 | 1.8% | 100% | $145,000 | |
Oceanside Mortgage Company
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FHA | 1 | 1.8% | 100% | $135,000 | |
Bay Equity LLC
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Conventional | 1 | 1.8% | 100% | $205,000 | |
Mortgage Research Center
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VA | 1 | 1.8% | 100% | $145,000 | |
Better Mortgage Corporation
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Conventional | 1 | 1.8% | 100% | $195,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 1.8% | 100% | $425,000 | |
The Loan Store, Inc
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Conventional | 1 | 1.8% | 100% | $135,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1.8% | 25% | $225,000 |
Oak Trail Shores 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 Trail Shores, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Oak Trail Shores? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oak Trail Shores in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oak Trail Shores, TX
Use these to narrow the list above. Each category shows how many Oak Trail Shores, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Oak Trail Shores, TX
Independent mortgage companies closed 85.5 percent of home loans in Oak Trail Shores, Texas in 2025, banks 12.7 percent and credit unions 1.8 percent. FocusOne Mortgage, LLC was the largest mortgage company, Southstate Bank, National Association the largest bank and Credit Human Federal Credit Un the largest credit union. Among lenders headquartered in Texas, American National Bank & Trust led with 1 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 Trail Shores, TX
By home loans closed in 2025, Southstate Bank, National Association was the largest mortgage lender in Oak Trail Shores, Texas with 2 loans, about 3.6 percent of the market. The largest lender headquartered in Texas was American National Bank & Trust with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
7 lenders closed FHA loans in Oak Trail Shores, Texas in 2025, led by Cmg Mortgage Inc with 2. 5 lenders closed VA loans, led by Cornerstone First Mortgage, LLC, and 4 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. 8 banks and 1 credit unions closed home loans in Oak Trail Shores, Texas in 2025, alongside 26 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 Trail Shores, 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 Trail Shores, 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 Trail Shores. 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.
