Manufacturers and Traders Trust in Texas vs the state
14.0%Denial rate-5.46 pts vs state
18.4%Decision denial rate-6.51 pts vs state
58.5%Origination rate+3.64 pts vs state
3.38%Median rate-3.13 pts vs state
-0.05Rate spread (pts)-0.25 pts vs state
$135kMedian applicant income
134Loans originated
32Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 103 | 64 | 17.5% | 5.69% | #547 |
| 2024 | 155 | 101 | 12.9% | 3.49% | #456 |
| 2025 | 229 | 134 | 14.0% | 3.38% | #393 |
What Manufacturers and Traders Trust lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Manufacturers and Traders Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 31 | 21 | 4 | 12.9% |
| Bexar County | 27 | 18 | 4 | 14.8% |
| Tarrant County | 21 | 6 | 6 | 28.6% |
| Dallas County | 13 | 9 | 0 | 0.0% |
| Bell County | 12 | 7 | 0 | 0.0% |
| Williamson County | 11 | 6 | 1 | 9.1% |
| Collin County | 10 | 6 | 1 | 10.0% |
| Denton County | 8 | 6 | 0 | 0.0% |
| Montgomery County | 8 | 5 | 2 | 25.0% |
| Guadalupe County | 6 | 2 | 3 | 50.0% |
Other large lenders in Texas
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 56,491 | 11.0% | 6.25% |
| Rocket Mortgage | C | 45,658 | 22.4% | 6.63% |
| 21st Mortgage | F | 37,961 | 45.9% | 9.94% |
| Dhi Mortgage Company | B | 26,348 | 13.5% | 4.50% |
| Lennar Mortgage | A | 21,959 | 20.5% | 4.50% |
| Bank of America | F | 18,008 | 43.0% | 6.24% |
| JPMorgan Chase Bank | B | 16,260 | 9.8% | 6.45% |
| CMG Mortgage | A | 15,978 | 3.9% | 6.50% |
| Vanderbilt Mortgage and Finance | F | 15,683 | 44.7% | 10.50% |
| Triad Financial Services | D | 15,158 | 50.0% | 9.35% |
Frequently asked questions
Texas: 229 applications in 2025, of which 134 were originated and 32 denied.
14.0% of all applications, or 18.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Manufacturers and Traders Trust originated in Texas in 2025 was 3.38%, against a statewide median of 6.50%.
About this data. Figures are Manufacturers and Traders Trust's own HMDA filing for properties located in Texas, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology