Mortgage Lenders and Brokers in Red 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
Red Oak, Texas mortgage lenders include Wells Fargo Bank NAWells Fargo Bank NA557 E Ovilla Rd, Red Oak, TX 75154A+5.0 ★Texas Ratio: 5.36%, Citizens National Bank of TexasCitizens National Bank of Texas102 Harris Ave, Red Oak, TX 75154A5.0 ★Texas Ratio: 12.03%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, TexasBankTexasBank501 E Hall St, Bangs, TX 76823A+5.0 ★Texas Ratio: 5.55%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%, First BankFirst Bank900 Bailey Ranch Rd, Aledo, TX 76008A5.0 ★Texas Ratio: 6.67%, Pilgrim Mortgage LLCPilgrim Mortgage LLC123 E 3rd St, Clarendon, TX 79226A+5.0 ★Texas Ratio: 1.04%, First Financial BankFirst Financial Bank2617 Antilley Rd, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.74%, and Texas Regional BankTexas Regional Bank1001 Congress Ave, Austin, TX 78701A5.0 ★Texas Ratio: 7.25%. 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 Red Oak, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Red 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 Red Oak, Texas
Market share is the lender's share of all home loans closed in Red 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 office in Red Oak 557 E Ovilla Rd, Red Oak, TX 75154 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 5 | 0.9% | 83.3% | $269,000 | View |
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1 office in Red Oak 102 Harris Ave, Red Oak, TX 75154 A5.0 ★Texas Ratio: 12.03% |
Conventional | 3 | 0.5% | 100% | $115,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 10 | 1.8% | 100% | $206,000 | View |
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501 E Hall St, Bangs, TX 76823 A+5.0 ★Texas Ratio: 5.55% |
Conventional | 7 | 1.3% | 100% | $276,428 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional, FHA, VA | 6 | 1.1% | 100% | $290,000 | |
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★ 5 stars, 1 review 15301 North Dallas Prkwy #100, Addison, TX 75001 A+5.0 ★Texas Ratio: 2.51% |
Conventional, HELOC | 4 +2 HELOCs |
0.7% | 36.4% | $185,000 | View |
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900 Bailey Ranch Rd, Aledo, TX 76008 A5.0 ★Texas Ratio: 6.67% |
FHA | 3 | 0.5% | 100% | $435,000 | View |
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123 E 3rd St, Clarendon, TX 79226 A+5.0 ★Texas Ratio: 1.04% |
Conventional, FHA | 3 | 0.5% | 100% | $321,666 | View |
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2617 Antilley Rd, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.74% |
Conventional | 3 | 0.5% | 100% | $268,333 | View |
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1001 Congress Ave, Austin, TX 78701 A5.0 ★Texas Ratio: 7.25% |
Conventional, FHA | 2 | 0.4% | 100% | $465,000 | View |
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10526 W Parmer Ln, Austin, TX 78717 A5.0 ★Texas Ratio: 10.43% |
Conventional, FHA | 2 | 0.4% | 100% | $380,000 | View |
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2200 S 27th St, Abilene, TX 79605 A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +5 HELOCs |
0.2% | 33.3% | $265,000 | View |
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13737 Noel Rd, Dallas, TX 75240 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.2% | 100% | $415,000 | View |
Southwest Airlines FCU
801 W Euless Blvd Ste 104, Euless, TX 76040 4438 |
Conventional | 1 | 0.2% | 100% | $125,000 | |
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4650 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 3.72% |
Conventional | 1 | 0.2% | 100% | $335,000 | View |
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621 W Saint Johns Ave, Austin, TX 78752 2315 A+5.0 ★Texas Ratio: 0.67% |
Conventional | 1 | 0.2% | 100% | $105,000 | View |
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1920 Mckinney Ave, Dallas, TX 75201 A+5.0 ★Texas Ratio: 4.93% |
FHA | 1 | 0.2% | 100% | $25,000 | View |
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1259 W Exchange Pkwy Ste 100, Allen, TX 75013 A5.0 ★Texas Ratio: 12.30% |
Conventional | 1 | 0.2% | 100% | $155,000 | |
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1337 W Mcdermott Dr, Allen, TX 75013 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 0.2% | 50% | $665,000 | View |
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710 Highway 71 W, Bastrop, TX 78602 A+5.0 ★Texas Ratio: 3.21% |
VA | 1 | 0.2% | 50% | $305,000 | View |
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2212 Southgate St, Arlington, TX 76013 A+5.0 ★Texas Ratio: 2.73% |
Conventional | 1 | 0.2% | 50% | $85,000 | View |
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1785 Ruben M Torres Blvd, Brownsville, TX 78521 A5.0 ★Texas Ratio: 8.20% |
Conventional | 1 | 0.2% | 100% | $295,000 | View |
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2014 W White St, Anna, TX 75409 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 0.2% | 100% | $675,000 | View |
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108 W Main, Archer City, TX 76351 A5.0 ★Texas Ratio: 7.83% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
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2515 Mckinney Ave, Dallas, TX 75201 A-5.0 ★Texas Ratio: 14.93% |
FHA | 1 | 0.2% | 100% | $465,000 | View |
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2501 E Pioneer Pkwy, Arlington, TX 76010 8365 A5.0 ★Texas Ratio: 6.31% |
Conventional | 1 | 0.2% | 50% | $135,000 | View |
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900 W Bethany Dr Ste 500, Allen, TX 75013 3834 A+5.0 ★Texas Ratio: 3.34% |
HELOC | 0 +17 HELOCs |
0% | n/a | 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 | |
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12208 N Mopac Expy, Austin, TX 78758 A5.0 ★Texas Ratio: 8.63% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
DHI Mortgage Company, LTD.
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Conventional, FHA, VA, USDA | 81 | 14.5% | 82% | $295,000 | |
Pikeview Mortgage, LLC
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Conventional, FHA, VA | 24 | 4.3% | 100% | $402,916 | |
Brookhollow Mortgage Services, Ltd
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Conventional, FHA, VA | 21 | 3.8% | 100% | $389,761 | |
Primelending
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Conventional, FHA, VA | 7 | 1.3% | 88.9% | $317,857 | |
Sfmc, LP
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Conventional, FHA, VA | 7 | 1.3% | 100% | $379,285 | |
Highlands Residential Mortgage, Ltd.
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Conventional, FHA, VA | 7 | 1.3% | 100% | $280,714 | |
Nationstar Mortgage
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Conventional, FHA, VA | 4 | 0.7% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 3 | 0.5% | 60% | $98,333 | View |
Click n' Close, Inc.
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Conventional, FHA | 2 | 0.4% | 100% | $170,000 | |
Jacqueline Montanez
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Conventional | 2 | 0.4% | 100% | $255,000 | |
Right Start Mortgage, Inc
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FHA | 2 | 0.4% | 100% | $375,000 | |
Orchard Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $315,000 | |
Republic State Mortgage Company
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FHA | 1 | 0.2% | 100% | $275,000 | |
Gsb Mortgage, Inc.
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Conventional | 1 | 0.2% | 100% | $265,000 | |
Ark-La-Tex Financial Services LLC
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FHA | 1 | 0.2% | 100% | $365,000 | |
Southwest Funding LP
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Conventional | 1 | 0.2% | 100% | $395,000 | |
American Airlines Federal Cred
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
United Wholesale Mortgage
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Conventional, FHA, VA | 43 | 7.7% | 89.6% | $352,209 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA, VA | 43 | 7.7% | 74.6% | $284,069 | View |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 17 +1 HELOCs |
3% | 48.6% | $265,588 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA | 11 | 2% | 91.7% | $386,818 | |
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A+5.0 ★Texas Ratio: 3.22% |
FHA, VA | 11 | 2% | 86.7% | $365,000 | View |
Cmg Mortgage Inc
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Conventional, FHA, VA | 10 | 1.8% | 93.8% | $349,000 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 10 | 1.8% | 76.9% | $320,000 | |
Freedom Mortgage Corporation
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FHA, VA | 9 | 1.6% | 92.9% | $402,777 | |
Fairway Independent Mort Corp
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Conventional, FHA | 9 | 1.6% | 81.8% | $349,444 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional, VA | 9 | 1.6% | 71.4% | $219,444 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional, FHA | 8 | 1.4% | 88.9% | $232,500 | View |
Liberty Federal Credit Union
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Conventional | 7 | 1.3% | 87.5% | $120,714 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA | 7 | 1.3% | 100% | $406,428 | |
New American Funding, LLC.
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Conventional, FHA | 7 | 1.3% | 77.8% | $320,714 | |
American Portfolio Mortgage Corporation
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Conventional, FHA | 6 | 1.1% | 85.7% | $350,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 6 | 1.1% | 100% | $346,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 6 | 1.1% | 50% | $266,666 | |
Kind Lending, LLC
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Conventional, FHA | 5 | 0.9% | 100% | $325,000 | |
Carrington Mortgage Services LLC
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Conventional, FHA, VA | 5 | 0.9% | 62.5% | $261,000 | |
Newrez LLC
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Conventional, FHA | 4 | 0.7% | 40% | $422,500 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, VA | 4 | 0.7% | 80% | $532,500 | View |
Mortgage Research Center
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VA | 4 | 0.7% | 44.4% | $435,000 | |
Mortgage Solutions of Colorado
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VA | 4 | 0.7% | 100% | $302,500 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 4 | 0.7% | 80% | $297,500 | |
Gold Star Mortgage Financial Group, Corporation
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FHA, VA | 3 | 0.5% | 100% | $325,000 | |
Securitynational Mortgage Company
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FHA, VA | 3 | 0.5% | 100% | $588,333 | |
Cardinal Financial Company, Li
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Conventional, FHA | 3 | 0.5% | 100% | $201,666 | |
Planet Home Lending, LLC
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Conventional, FHA, VA | 3 | 0.5% | 100% | $248,333 | |
The Loan Store, Inc
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Conventional, FHA | 3 | 0.5% | 60% | $401,666 | |
Paramount Residential Mortgage
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FHA | 3 | 0.5% | 100% | $321,666 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional, FHA | 3 | 0.5% | 100% | $321,666 | View |
Village Capital & Investment
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FHA, VA | 3 | 0.5% | 100% | $308,333 | |
Deephaven Mortgage LLC
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Conventional | 2 | 0.4% | 100% | $195,000 | |
Synergy One Lending, Inc.
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FHA | 2 | 0.4% | 100% | $300,000 | |
Success Mortgage Partners, Inc
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Conventional, FHA | 2 | 0.4% | 100% | $380,000 | |
American Pacific Mortgage Corporation
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FHA, VA | 2 | 0.4% | 100% | $540,000 | |
Spring Eq, LLC
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Conventional | 2 | 0.4% | 50% | $85,000 | |
HomeBridge Financial Services, Inc
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FHA, HELOC | 1 +4 HELOCs |
0.2% | 100% | $355,000 | |
Guaranteed Rate Affinity, LLC
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FHA | 1 | 0.2% | 100% | $235,000 | |
American Financial Resources LLC
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FHA | 1 | 0.2% | 100% | $345,000 | |
Neighborhood Loans, Inc
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Conventional | 1 | 0.2% | 25% | $5,000 | |
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A5.0 ★Texas Ratio: 6.15% |
VA | 1 | 0.2% | 100% | $375,000 | View |
Sage Home Loans Corporation
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Conventional | 1 | 0.2% | 100% | $445,000 | |
Equity Prime Mortgage LLC
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VA | 1 | 0.2% | 100% | $335,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.2% | 100% | $285,000 | View |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 1 | 0.2% | 66.7% | $155,000 | View |
Movement Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $105,000 | |
PHH Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $155,000 | |
Dart Bank
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Conventional | 1 | 0.2% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.2% | 100% | $545,000 | View |
Resicentral LLC
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FHA | 1 | 0.2% | 100% | $325,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.2% | 100% | $405,000 | |
Homestead Funding Corp.
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Conventional | 1 | 0.2% | 100% | $105,000 | |
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A5.0 ★Texas Ratio: 6.69% |
Conventional | 1 | 0.2% | 100% | $455,000 | View |
HomeXpress Mortgage Corp.
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Conventional | 1 | 0.2% | 100% | $355,000 | |
Obsidian Financial Services
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FHA | 1 | 0.2% | 100% | $365,000 | |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.2% | 50% | $385,000 | |
Flexpoint, Inc.
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Conventional | 1 | 0.2% | 100% | $315,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.2% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 1.56% |
Conventional | 1 | 0.2% | 100% | $575,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.2% | 100% | $385,000 | |
Nfm, Inc
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Conventional | 1 | 0.2% | 100% | $215,000 | |
Foundation Mortgage Corporation
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Conventional | 1 | 0.2% | 100% | $365,000 | |
Belem Servicing, LLC dba Patriot Home Mortgage
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Conventional | 1 | 0.2% | 100% | $205,000 | |
Intelliloan, Inc.
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VA | 1 | 0.2% | 100% | $535,000 | |
Provident Funding Associates
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Conventional | 1 | 0.2% | 100% | $285,000 | |
Vellum Mortgage, Inc.
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VA | 1 | 0.2% | 100% | $455,000 | |
Waterstone Mortgage Corporation
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FHA | 1 | 0.2% | 100% | $305,000 | |
Sierra Pacific Mortgage Co. Inc
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Conventional | 1 | 0.2% | 50% | $245,000 | |
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A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.2% | 100% | $195,000 | View |
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A+5.0 ★Texas Ratio: 4.84% |
Conventional | 1 | 0.2% | 100% | $145,000 | View |
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A+5.0 ★Texas Ratio: 2.15% |
Conventional | 1 | 0.2% | 100% | $255,000 | View |
Towne Mortgage Company
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FHA | 1 | 0.2% | 100% | $305,000 | |
Better Mortgage Corporation
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FHA | 1 | 0.2% | 50% | $325,000 | |
V.I.P. Mortgage, Inc.
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FHA | 1 | 0.2% | 100% | $285,000 | |
RoundPoint Mortgage Servicing LLC
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Conventional | 1 | 0.2% | 33.3% | $255,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.2% | 100% | $305,000 | |
Prosperity Home Mortgage, LLC
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Conventional | 1 | 0.2% | 100% | $335,000 | |
Lower, LLC
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VA | 1 | 0.2% | 100% | $595,000 | |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.2% | 100% | $245,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.2% | 100% | $165,000 | |
21St Mortgage
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Conventional | 1 | 0.2% | 100% | $165,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.2% | 33.3% | $75,000 | |
The Mortgage Link, Inc.
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Conventional | 1 | 0.2% | 50% | $215,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Red 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 Red Oak, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Red Oak? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Red Oak in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Red Oak, TX
Use these to narrow the list above. Each category shows how many Red Oak, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Red Oak, TX
Independent mortgage companies closed 81.9 percent of home loans in Red Oak, Texas in 2025, banks 13.8 percent and credit unions 4.3 percent. Everett Financial, Inc. was the largest mortgage company, Wells Fargo Bank NA the largest bank and Southwest Airlines FCU the largest credit union. Among lenders headquartered in Texas, Citizens National Bank of Texas led with 3 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 Red Oak, TX
By home loans closed in 2025, Wells Fargo Bank NA was the largest mortgage lender in Red Oak, Texas with 5 loans, about 0.9 percent of the market. The largest lender headquartered in Texas was Citizens National Bank of Texas with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Red Oak, Texas, DHI Mortgage Company, LTD. approved the highest share of completed applications in 2025 at 82 percent, against a 81.5 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
61 lenders closed FHA loans in Red Oak, Texas in 2025, led by DHI Mortgage Company, LTD. with 65. 34 lenders closed VA loans, led by United Wholesale Mortgage, 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. 32 banks and 13 credit unions closed home loans in Red Oak, Texas in 2025, alongside 89 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 Red 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 Red 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 Red 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.
