Trinity Oaks Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
71st5.4% deniedPricingmedian rate spread over APOR, weight 30%
80th0.01 ptsProcesswithdrawn + incomplete share, weight 15%
48th12.1%Closing coststotal loan costs ÷ loan amount, weight 10%
32nd2.42% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 586 | 405 | 5.0% | 5.9% | 6.38% | $158M |
| 2024 | 518 | 412 | 3.9% | 4.5% | 6.38% | $161M |
| 2025 | 273 | 224 | 4.8% | 5.4% | 6.38% | $98M |
What Trinity Oaks Mortgage 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, 12 investment properties.
Why Trinity Oaks Mortgage denies applications
Primary reason reported for each of the 13 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Trinity Oaks Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 39 | 28 | 14.7% |
| $100k – $150k | 89 | 76 | 5.0% |
| $150k – $250k | 113 | 100 | 2.9% |
| Over $250k | 20 | 15 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 71 | 66 | 1.5% |
| 35–44 | 72 | 60 | 9.1% |
| 45–54 | 67 | 48 | 5.7% |
| 55–64 | 34 | 28 | 3.5% |
Where Trinity Oaks Mortgage lends
2 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 272 | 223 | 4.8% | 6.38% | #358 |
Frequently asked questions
Trinity Oaks Mortgage denied 5.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 71st percentile of small mortgage lenders.
The most common reason Trinity Oaks Mortgage gave in 2025 was "debt-to-income ratio", cited on 61.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Trinity Oaks Mortgage originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.01 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 93% of its applications were for home purchases, 7% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 53% conventional, 26% FHA, 21% 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.