The Central Trust Bank in Texas vs the state
3.4%Denial rate-16.02 pts vs state
7.5%Decision denial rate-17.40 pts vs state
39.8%Origination rate-15.11 pts vs state
6.38%Median rate-0.13 pts vs state
0.04Rate spread (pts)-0.15 pts vs state
$209kMedian applicant income
35Loans originated
3Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 253 | 124 | 2.4% | 5.99% | #353 |
| 2024 | 135 | 58 | 8.9% | 6.50% | #489 |
| 2025 | 88 | 35 | 3.4% | 6.38% | #585 |
What The Central Trust Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most The Central Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 10 | 4 | 2 | 20.0% |
| Collin County | 10 | 3 | 0 | 0.0% |
| Travis County | 10 | 2 | 0 | 0.0% |
| Denton County | 7 | 3 | 0 | 0.0% |
| Dallas County | 6 | 4 | 0 | 0.0% |
| Montgomery County | 4 | 1 | 0 | 0.0% |
| Rockwall County | 3 | 0 | 0 | 0.0% |
| Tarrant County | 3 | 1 | 0 | 0.0% |
| El Paso County | 3 | 2 | 0 | 0.0% |
| Williamson 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: 88 applications in 2025, of which 35 were originated and 3 denied.
3.4% of all applications, or 7.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans The Central Trust Bank originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are The Central Trust Bank'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