Mortgage Lenders and Brokers in Sandy Oaks, 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
Sandy Oaks, Texas mortgage lenders include Randolph-Brooks Federal Credit UnionRandolph-Brooks Federal Credit Union404 E Stacy Rd, Allen, TX 75002A+5.0 ★Texas Ratio: 5.89%, Texana BankTexana Bank124 E Rush St, Linden, TX 75563A5.0 ★Texas Ratio: 13.83%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA3250 Rebecca Ln, Abilene, TX 79606A+5.0 ★Texas Ratio: 3.68%, Firstmark Credit UnionFirstmark Credit Union610 W Main St, Fredericksburg, TX 78624 3132A+5.0 ★Texas Ratio: 4.40%, Frost BankFrost Bank15301 North Dallas Prkwy #100, Addison, TX 75001A+5.0 ★Texas Ratio: 2.51%, Bank of America NABank of America NA2200 S 27th St, Abilene, TX 79605A+5.0 ★Texas Ratio: 4.14%, Directions Equity, LLCDirections Equity, LLCSan Antonio, TX, AML Funding LLC dba Absolute Mortgage & LendingAML Funding LLC dba Absolute Mortgage & LendingDallas, TX, Sfmc, LPSfmc, LPPlano, TX, and East Texas Professional C.U.East Texas Professional C.U.Longview, 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 Sandy Oaks, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Sandy Oaks 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 Sandy Oaks, Texas
Market share is the lender's share of all home loans closed in Sandy Oaks, 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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404 E Stacy Rd, Allen, TX 75002 A+5.0 ★Texas Ratio: 5.89% |
Conventional | 6 | 7.7% | 72.7% | $70,000 | View |
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124 E Rush St, Linden, TX 75563 A5.0 ★Texas Ratio: 13.83% |
VA, USDA | 2 | 2.6% | 100% | $185,000 | View |
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3250 Rebecca Ln, Abilene, TX 79606 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.3% | 100% | $225,000 | View |
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610 W Main St, Fredericksburg, TX 78624 3132 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 1.3% | 50% | $75,000 | 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 | 1.3% | 50% | $85,000 | 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 | |
Directions Equity, LLC
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FHA | 5 | 6.4% | 83.3% | $249,000 | |
AML Funding LLC dba Absolute Mortgage & Lending
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FHA | 1 | 1.3% | 100% | $165,000 | |
Sfmc, LP
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FHA | 1 | 1.3% | 100% | $265,000 | |
East Texas Professional C.U.
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Conventional, Jumbo | 1 | 1.3% | 100% | $965,000 | |
Republic State Mortgage Company
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VA | 1 | 1.3% | 100% | $235,000 | |
Network Funding, L.P.
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Conventional | 1 | 1.3% | 100% | $405,000 | |
Lennar Mortgage, LLC
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Conventional, FHA | 12 | 15.4% | 63.2% | $120,000 | |
21St Mortgage
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Conventional | 9 | 11.5% | 37% | $122,777 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional, FHA | 5 | 6.4% | 71.4% | $193,000 | View |
United Wholesale Mortgage
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FHA, VA | 3 | 3.8% | 100% | $285,000 | |
Guaranteed Rate, Inc.
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Conventional, FHA | 3 | 3.8% | 100% | $168,333 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 2 | 2.6% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 5.06% |
Conventional | 2 | 2.6% | 43.8% | $110,000 | View |
Das Acquisition Company, LLC
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Conventional, FHA | 2 | 2.6% | 100% | $300,000 | |
Towne Mortgage Company
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FHA | 2 | 2.6% | 100% | $305,000 | |
New American Funding, LLC.
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Conventional, FHA | 2 | 2.6% | 66.7% | $90,000 | |
Southwest Stage Funding LLC
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Conventional | 2 | 2.6% | 66.7% | $150,000 | |
Semper Home Loans, Inc
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FHA | 1 | 1.3% | 100% | $185,000 | |
Newrez LLC
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VA | 1 | 1.3% | 100% | $335,000 | |
loanDepot.com LLC
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Conventional | 1 | 1.3% | 100% | $225,000 | |
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A5.0 ★Texas Ratio: 13.21% |
FHA | 1 | 1.3% | 100% | $295,000 | View |
Cmg Mortgage Inc
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FHA | 1 | 1.3% | 50% | $165,000 | |
Securitynational Mortgage Company
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FHA | 1 | 1.3% | 100% | $195,000 | |
Planet Home Lending, LLC
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FHA | 1 | 1.3% | 100% | $105,000 | |
American Pacific Mortgage Corporation
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FHA | 1 | 1.3% | 100% | $175,000 | |
Mortgage Research Center
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VA | 1 | 1.3% | 100% | $175,000 | |
V.I.P. Mortgage, Inc.
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FHA | 1 | 1.3% | 100% | $285,000 | |
Paramount Residential Mortgage
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FHA | 1 | 1.3% | 100% | $215,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 1.3% | 50% | $175,000 | |
Village Capital & Investment
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FHA | 1 | 1.3% | 100% | $255,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Pentagon Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Sandy Oaks 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 Sandy Oaks, Texas
Looking for mortgage lenders near me or mortgage brokers near me in Sandy Oaks? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Sandy Oaks in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Sandy Oaks, TX
Use these to narrow the list above. Each category shows how many Sandy Oaks, TX lenders fit and what that kind of lender is usually best for.
Who Lends in Sandy Oaks, TX
Independent mortgage companies closed 83.3 percent of home loans in Sandy Oaks, Texas in 2025, banks 6.4 percent and credit unions 10.3 percent. Directions Equity, LLC was the largest mortgage company, Texana Bank 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 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 Sandy Oaks, TX
By home loans closed in 2025, Randolph-Brooks Federal Credit Union was the largest mortgage lender in Sandy Oaks, Texas with 6 loans, about 7.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
20 lenders closed FHA loans in Sandy Oaks, Texas in 2025, led by Lennar Mortgage, LLC with 6. 5 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. 5 banks and 4 credit unions closed home loans in Sandy Oaks, Texas in 2025, alongside 29 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 Sandy Oaks, 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 Sandy Oaks, 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 Sandy Oaks. 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.
