Trinity Oaks Mortgage in Texas vs the state
4.8%Denial rate-14.65 pts vs state
5.4%Decision denial rate-19.46 pts vs state
82.0%Origination rate+27.11 pts vs state
6.38%Median rate-0.13 pts vs state
0.01Rate spread (pts)-0.18 pts vs state
$150kMedian applicant income
223Loans originated
13Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 584 | 404 | 5.0% | 6.38% | #234 |
| 2024 | 516 | 410 | 3.9% | 6.38% | #251 |
| 2025 | 272 | 223 | 4.8% | 6.38% | #358 |
What Trinity Oaks Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Trinity Oaks Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ellis County | 139 | 110 | 6 | 4.3% |
| McLennan County | 50 | 45 | 1 | 2.0% |
| Johnson County | 44 | 37 | 3 | 6.8% |
| Bell County | 14 | 13 | 1 | 7.1% |
| Tarrant County | 11 | 8 | 1 | 9.1% |
| Dallas County | 4 | 3 | 1 | 25.0% |
| Hill County | 2 | 1 | 0 | 0.0% |
| Denton County | 1 | 1 | 0 | 0.0% |
| Hood County | 1 | 1 | 0 | 0.0% |
| Webb County | 1 | 1 | 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: 272 applications in 2025, of which 223 were originated and 13 denied.
4.8% of all applications, or 5.4% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Trinity Oaks Mortgage originated in Texas in 2025 was 6.38%, against a statewide median of 6.50%.
About this data. Figures are Trinity Oaks Mortgage'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