Texas Trust in Texas vs the state
12.4%Denial rate-7.06 pts vs state
13.0%Decision denial rate-11.90 pts vs state
82.4%Origination rate+27.51 pts vs state
—Median rate
—Rate spread (pts)
$102kMedian applicant income
393Loans originated
59Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 354 | 337 | 1.4% | 6.88% | #299 |
| 2024 | 261 | 208 | 10.3% | 6.50% | #347 |
| 2025 | 477 | 393 | 12.4% | — | #268 |
What Texas Trust lends in Texas
By loan purpose
By loan type
Where in Texas
Counties with the most Texas Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tarrant County | 197 | 156 | 29 | 14.7% |
| Dallas County | 115 | 91 | 18 | 15.7% |
| Ellis County | 29 | 26 | 2 | 6.9% |
| Tom Green County | 27 | 24 | 2 | 7.4% |
| Henderson County | 24 | 22 | 1 | 4.2% |
| Denton County | 20 | 16 | 3 | 15.0% |
| Johnson County | 13 | 10 | 1 | 7.7% |
| Collin County | 11 | 10 | 1 | 9.1% |
| Parker County | 6 | 6 | 0 | 0.0% |
| Kaufman County | 3 | 3 | 0 | 0.0% |
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: 477 applications in 2025, of which 393 were originated and 59 denied.
12.4% of all applications, or 13.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Texas 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