# Trinity Oaks Mortgage, LLC

> **Canonical URL:** https://saferate.com/lenders/trinity-oaks-mortgage


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Trinity Oaks Mortgage, LLC is a independent mortgage company, headquartered in Red Oak, TX, serving borrowers across 3 states, with 394 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 74% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 36% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 254900YJQZQTI7TUKN67
- **Headquarters:** Red Oak, TX
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** FL, NJ, TX
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Acceptable 🙂
- Score: 26/100
- Rating: ●●○○○ (2/5)

### Pull Through: Strong 😀
- Score: 64/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.245%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $4,069
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 394
- **Dollar Volume:** $157 million
- **Applications Received:** 491
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $397,259
- **Average Borrower Income:** $171,228
- **Average Property Value:** $482,893

## Safe Rate Awards 🏆

- ⭐ **VA Gold Superstar** (63%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 54/100 | 230 | +0.263% | $3,787 | Sound ☺️ |
| FHA | 64/100 | 106 | +0.565% | $4,652 | Strong 😀 |
| VA | 67/100 | 57 | -0.398% | $4,323 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 213 loans, Score: 56/100 (Sound)

**FHA:**
- Purchase: 106 loans, Score: 64/100 (Strong)

**VA:**
- Purchase: 57 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 60/100 | 377 | $149M | +0.252% | Strong 😀 |
| Refinance | 25/100 | 17 | $7M | +0.143% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 392 | 0.11% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Dallas | TX | 214 | 78/100 |
| Fort Worth | TX | 101 | 73/100 |
| Waco, TX | TX | 42 | 71/100 |
| Non |  | 18 | 28/100 |
| Killeen | TX | 13 | 47/100 |

## Where This Lender Ranks

Trinity Oaks Mortgage, LLC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Waco, TX for VA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/mortgage-companies/va-loans)
- 🏆 **#12** in Waco, TX for VA Loans
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/va-loans)
- 🏆 **#13** in Waco, TX Mortgage Companies
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/mortgage-companies)
- 🏆 **#15** in Waco, TX for FHA Loans (Mortgage Companies)
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/mortgage-companies/fha-loans)
- 🏆 **#18** in Waco, TX
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders)
- 🏆 **#18** in Waco, TX for FHA Loans
  - [View Full Rankings](https://saferate.com/waco-tx/best-mortgage-lenders/fha-loans)

## Frequently Asked Questions

### What loan types does Trinity Oaks Mortgage, LLC offer?

Trinity Oaks Mortgage, LLC offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Trinity Oaks Mortgage, LLC offer mortgages?

Trinity Oaks Mortgage, LLC offers mortgages in 3 states: FL, NJ, TX.

### How competitive are Trinity Oaks Mortgage, LLC's mortgage rates?

Trinity Oaks Mortgage, LLC has a pricing score of 26/100 (Acceptable), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.245% above market average.

### What type of lender is Trinity Oaks Mortgage, LLC?

Trinity Oaks Mortgage, LLC is a non-depository lender that specializes in mortgage origination, headquartered in Red Oak, TX.

### What is Trinity Oaks Mortgage, LLC's loan approval success rate?

Trinity Oaks Mortgage, LLC has a pull-through score of 64/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/trinity-oaks-mortgage

### How to Cite

> "Trinity Oaks Mortgage, LLC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/trinity-oaks-mortgage

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