Texas Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
37th13.0% deniedProcesswithdrawn + incomplete share, weight 15%
79th4.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 354 | 337 | 1.4% | 1.5% | 6.88% | $52M |
| 2024 | 261 | 208 | 10.3% | 11.3% | 6.50% | $33M |
| 2025 | 477 | 393 | 12.4% | 13.0% | — | $70M |
What Texas Trust lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 23 investment properties.
Who gets approved at Texas Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 56 | 46 | 17.9% |
| $50k – $100k | 164 | 132 | 15.3% |
| $100k – $150k | 112 | 95 | 8.7% |
| $150k – $250k | 89 | 75 | 7.3% |
| Over $250k | 38 | 30 | 18.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 32 | 27 | 3.6% |
| 35–44 | 95 | 80 | 11.0% |
| 45–54 | 119 | 102 | 10.5% |
| 55–64 | 116 | 86 | 21.6% |
| 65–74 | 71 | 58 | 14.7% |
| Over 74 | 24 | 23 | 0.0% |
Where Texas Trust lends
1 states and 34 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 477 | 393 | 12.4% | — | #268 |
Frequently asked questions
Texas Trust denied 13.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 37th percentile of small mortgage lenders.
In 2025, 19% of its applications were for home purchases, 33% for refinancing (including cash-out), and 48% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.