Applications / Mortgage Analytics / Lenders / Texas / Trinity Oaks Mortgage
Red Oak, TX · Independent non-bank lender · CFPB · 224 loans in 2025
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224
loans originated, 2025
273
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Trinity Oaks Mortgage, a purchase lender in Red Oak, Texas, nearly halved its lending in 2025, to 224 loans, while similar lenders held steady; in 2021 it made 1,441.
Its loans fell 46% in 2025, from 412, while similar lenders, independent non-banks making between half and twice as many loans, made no more than the year before. Few peers fell further. Its share in Waco, its strongest market, slipped from 1.5% to 1.2%, though it still ranks 21 of 368 lenders there. It may have cut back by choice, or kept to its markets as others grew; the figures do not say which.
Loans guaranteed by the Department of Veterans Affairs (VA) made up 21.9% of its lending, against 3.1% at peers, more than at over nine in ten of them. Loans insured by the Federal Housing Administration (FHA) took 25.9%, against 16.5%. Purchases made up 95.1% of its loans.
Low- and moderate-income (LMI) borrowers took 7.3% of its loans, against 23.2% at peers, among the lowest tenth. Its typical loan, $435,000, was larger than at about three in four peers, which may account for part of that. Its share of loans in LMI neighborhoods, 19.6%, sits near the middle.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Trinity Oaks Mortgage took 273 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 95.1% · Refinance 4.9%
Conventional 52.2% · FHA 25.9% · VA 21.9% · of 224 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Texas | 223 | 99.6% |
| Florida | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Dallas-Plano-Irving | 114 |
| Waco | 46 |
| Fort Worth-Arlington-Grapevine | 45 |
| Killeen-Temple | 13 |
| Houston-Pasadena-The Woodlands | 1 |
| Laredo | 1 |
| Tampa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YJQZQTI7TUKN67 | 2018–2025 |
| Respondent ID (the HMDA filer code before 2018) | 7300889616 |
Established 11 June 2015. Reported under HMDA 2017-2025.
Mergers, name changes, data editions and corrections: Trinity Oaks Mortgage's data.
Trinity Oaks Mortgage's data
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Trinity Oaks Mortgage and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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