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Trinity Oaks Mortgage, LLC
Independent Mortgage Company|Red Oak, TX|Regional
Loans Originated
394
Applications
491
Volume
$156 million
Offers loans directly to consumers
Overall Pricing
Acceptable
Overall Pull Through
Strong
Pricing and Pullthrough Overview
Average Rate Spread
+0.245%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$4,069
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
80.2%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Strong pull through performance
- Particularly strong in FHA and VA loans
Things to Think About
- Pricing may be below industry average
- Higher than average fees ($4,069)
Report Card
Trinity Oaks Mortgage, LLC performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Acceptable | Near industry average | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Sound | Industry Standard | |
FHA | Strong | Highly Competitive | |
VA | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Acceptable | Near industry average | |
Places Geographic coverage | Sound | Regional · 5 metro areas · 3 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$397,259
Average Borrower Income
$171,228
Average Property Value
$482,893
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Sound | Sound | Acceptable | Sound | 230 | 58.4% | +0.263% | $3,787 |
FHA Loans | Sound | Strong | Acceptable | Strong | 106 | 26.9% | +0.565% | $4,652 |
VA Loans | Sound | Strong | Acceptable | Exceptional | 57 | 14.5% | -0.398% | $4,323 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Sound | Strong | Acceptable | Strong | 377 | 95.7% | +0.252% | $4,111 |
Refinance | Acceptable | Acceptable | N/A | Sound | 17 | 4.3% | +0.143% | $3,387 |
Geographic Coverage
Metro Areas
4
States Served
3
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
FLNJTX
Top Metro Areas by Place Specialization Score
1
Dallas, TXMSA
Volume: 214Mix: 54.31%
Place Specialization
Strong
2
Fort Worth, TXMSA
Volume: 101Mix: 25.63%
Place Specialization
Strong
3
Waco, TX, TXMSA
Volume: 42Mix: 10.66%
Place Specialization
Strong
4
Killeen, TXMSA
Volume: 13Mix: 3.30%
Place Specialization
Sound
Top States by Place Specialization Score
1
TXState
Volume: 392Mix: 99.49%
Place Specialization
Strong
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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