Mortgage Lenders and Brokers in White 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
White Oak, Texas mortgage lenders include PNC Bank N.A.PNC Bank N.A.1049 N 3rd St Ste 100, Abilene, TX 79601A+5.0 ★Texas Ratio: 4.24%, Everett Financial, Inc.Everett Financial, Inc.1212 Royal Pkwy Ste 103, Euless, TX 76040 6713, Gilmer National BankGilmer National Bank713 Us Highway 271 N, Gilmer, TX 75644C-3.6 ★Texas Ratio: 31.68%, Austin Bank, Texas National AssociationAustin Bank, Texas National Association108 E Broadway St, Big Sandy, TX 75755A+5.0 ★Texas Ratio: 3.34%, Wells Fargo Bank NAWells Fargo Bank NA3701 Belt Line Rd, Addison, TX 75001A+5.0 ★Texas Ratio: 5.36%, Verabank,N.A.Verabank,N.A.1101 S White Oak Rd, White Oak, TX 75693A+5.0 ★Texas Ratio: 5.54%, Community BankCommunity Bank104 Highway 155, Avinger, TX 75630A+5.0 ★Texas Ratio: 0.00%, Origin BankOrigin Bank384 E Stacy Rd, Allen, TX 75002A5.0 ★Texas Ratio: 6.66%, East Texas Professional C.U.East Texas Professional C.U.Longview, TX, and Republic State Mortgage CompanyRepublic State Mortgage CompanyHouston, 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 White Oak, Texas in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in White 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 White Oak, Texas
Market share is the lender's share of all home loans closed in White 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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★ 1.7 stars, 3 reviews 1049 N 3rd St Ste 100, Abilene, TX 79601 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 1 +1 HELOCs |
1.4% | 100% | $255,000 | View |
Everett Financial, Inc.
1212 Royal Pkwy Ste 103, Euless, TX 76040 6713 |
Conventional | 1 | 1.4% | 100% | $245,000 | |
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713 Us Highway 271 N, Gilmer, TX 75644 C-3.6 ★Texas Ratio: 31.68% |
Conventional | 1 | 1.4% | 100% | $195,000 | View |
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108 E Broadway St, Big Sandy, TX 75755 A+5.0 ★Texas Ratio: 3.34% |
Conventional | 1 | 1.4% | 50% | $335,000 | View |
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3701 Belt Line Rd, Addison, TX 75001 A+5.0 ★Texas Ratio: 5.36% |
VA | 1 | 1.4% | 100% | $185,000 | View |
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1101 S White Oak Rd, White Oak, TX 75693 A+5.0 ★Texas Ratio: 5.54% |
Conventional | 1 | 1.4% | 33.3% | $275,000 | View |
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104 Highway 155, Avinger, TX 75630 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 1 | 1.4% | 100% | $135,000 | View |
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384 E Stacy Rd, Allen, TX 75002 A5.0 ★Texas Ratio: 6.66% |
Conventional | 1 | 1.4% | 100% | $235,000 | View |
East Texas Professional C.U.
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Conventional | 7 | 9.9% | 77.8% | $122,142 | |
Republic State Mortgage Company
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FHA | 1 | 1.4% | 100% | $205,000 | |
Click n' Close, Inc.
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FHA | 1 | 1.4% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 1.56% |
Conventional | 13 | 18.3% | 76.5% | $176,538 | |
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A+5.0 ★Texas Ratio: 2.58% |
Conventional, FHA | 6 | 8.5% | 100% | $255,000 | View |
Cmg Mortgage Inc
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Conventional, FHA, USDA | 4 | 5.6% | 100% | $167,500 | |
T2 Financial LLC
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Conventional, VA | 4 | 5.6% | 100% | $280,000 | |
United Wholesale Mortgage
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Conventional, FHA | 3 | 4.2% | 100% | $311,666 | |
Sun West Mortgage Company, Inc
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Conventional, FHA, VA | 3 | 4.2% | 100% | $218,333 | |
Royal United Mortgage LLC
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Conventional | 2 | 2.8% | 100% | $105,000 | |
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B+4.7 ★Texas Ratio: 18.17% |
Conventional | 2 | 2.8% | 50% | $240,000 | View |
Canopy Mortgage, LLC
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Conventional, FHA | 2 | 2.8% | 100% | $320,000 | |
Pennymac Loan Services LLC
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Conventional, FHA | 2 | 2.8% | 100% | $340,000 | |
Fairway Independent Mort Corp
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FHA | 2 | 2.8% | 100% | $285,000 | |
Cadence Bank
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Conventional | 1 | 1.4% | 100% | $205,000 | |
Newrez LLC
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FHA | 1 | 1.4% | 100% | $275,000 | |
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A+5.0 ★Texas Ratio: 1.27% |
Conventional | 1 | 1.4% | 100% | $295,000 | View |
loanDepot.com LLC
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Conventional | 1 | 1.4% | 50% | $175,000 | |
Standard Mortgage Corporation
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Conventional | 1 | 1.4% | 100% | $225,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 1.4% | 100% | $265,000 | |
Planet Home Lending, LLC
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VA | 1 | 1.4% | 100% | $385,000 | |
Provident Funding Associates
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Conventional | 1 | 1.4% | 100% | $235,000 | |
Mortgage Research Center
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VA | 1 | 1.4% | 33.3% | $455,000 | |
Mutual of Omaha Mortgage
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Conventional | 1 | 1.4% | 100% | $275,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 1.4% | 100% | $255,000 | View |
White 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 White Oak, Texas
Looking for mortgage lenders near me or mortgage brokers near me in White Oak? The list below shows the banks, credit unions and mortgage brokers that closed home loans in White Oak in 2025, with lenders based there listed first.
Types of Mortgage Lenders in White Oak, TX
Use these to narrow the list above. Each category shows how many White Oak, TX lenders fit and what that kind of lender is usually best for.
Who Lends in White Oak, TX
Independent mortgage companies closed 57.7 percent of home loans in White Oak, Texas in 2025, banks 14.1 percent and credit unions 28.2 percent. Everett Financial, Inc. was the largest mortgage company, PNC Bank N.A. the largest bank and East Texas Professional C.U. the largest credit union. Among lenders headquartered in Texas, Everett Financial, Inc. 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 White Oak, TX
By home loans closed in 2025, PNC Bank N.A. was the largest mortgage lender in White Oak, Texas with 1 loans, about 1.4 percent of the market. The largest lender headquartered in Texas was Everett Financial, Inc. with 1 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
11 lenders closed FHA loans in White Oak, Texas in 2025, led by Guild Mortgage Company with 3. 5 lenders closed VA loans, led by Wells Fargo Bank NA, 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. 10 banks and 2 credit unions closed home loans in White Oak, Texas in 2025, alongside 21 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 White 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 White 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 White 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.
