United Trust Bank in Texas vs the state
25.0%Denial rate+5.57 pts vs state
26.1%Decision denial rate+1.19 pts vs state
66.7%Origination rate+11.79 pts vs state
6.63%Median rate+0.13 pts vs state
0.37Rate spread (pts)+0.18 pts vs state
$77kMedian applicant income
16Loans originated
6Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 6 | 5 | 16.7% | 6.50% | #1,042 |
| 2025 | 24 | 16 | 25.0% | 6.63% | #834 |
What United Trust Bank lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| El Paso County | 21 | 13 | 6 | 28.6% |
| Denton County | 2 | 2 | 0 | 0.0% |
| Harrison 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: 24 applications in 2025, of which 16 were originated and 6 denied.
25.0% of all applications, or 26.1% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans United Trust Bank originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are United 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