Largest lenders in Trinity County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 81 | 21 | 32.1% | 10.59% |
| 2 | Triad Financial Services | D | 49 | 8 | 42.9% | 9.35% |
| 3 | Vanderbilt Mortgage and Finance | F | 46 | 10 | 21.7% | 8.75% |
| 4 | United Shore Financial Services | B | 23 | 16 | 8.7% | 6.69% |
| 5 | Credit Human Federal Credit Union | D | 20 | 1 | 65.0% | 8.30% |
| 6 | Rocket Mortgage | C | 19 | 14 | 21.1% | 7.38% |
| 7 | Eustis Mortgage | B | 17 | 12 | 0.0% | 6.25% |
| 8 | Mortgage Research Center | C | 15 | 5 | 33.3% | 6.63% |
| 9 | Crosscountry Mortgage | B | 9 | 6 | 0.0% | 6.63% |
| 10 | JPMorgan Chase Bank | B | 7 | 4 | 0.0% | 6.75% |
| 11 | Pennymac Loan Services | C | 6 | 3 | 16.7% | 6.62% |
| 12 | Nationstar Mortgage | C | 6 | 3 | 0.0% | 6.88% |
| 13 | Loandepot.Com | D | 6 | 1 | 50.0% | 6.50% |
| 14 | First National Bank of Huntsville | A | 6 | 5 | 16.7% | — |
| 15 | FirstBank | C | 5 | 2 | 40.0% | 9.02% |
| 16 | Freedom Mortgage | B | 5 | 1 | 20.0% | 6.50% |
| 17 | United Built Homes | F | 5 | 0 | 80.0% | — |
| 18 | CMG Mortgage | A | 5 | 4 | 0.0% | 6.81% |
| 19 | Broker Solutions | D | 5 | 4 | 0.0% | 6.81% |
| 20 | Movement Mortgage | A | 5 | 4 | 0.0% | 6.88% |
| 21 | Guild Mortgage | A | 5 | 5 | 0.0% | 6.75% |
| 22 | Austin Bank, Texas | D | 5 | 3 | 20.0% | 7.00% |
Best approval odds in Trinity County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 50 | 52.0% |
What Trinity County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Trinity County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 475 | 169 | 29.7% | 7.13% | $135,000 |
| 2024 | 559 | 202 | 31.7% | 7.13% | $135,000 |
| 2025 | 527 | 215 | 26.2% | 6.88% | $145,000 |
Frequently asked questions
26.2% of applications in Trinity County were denied in 2025, against 19.4% statewide in Texas.
21st Mortgage, with 81 applications in 2025 and a denial rate of 32.1%.
The median mortgage application in Trinity County in 2025 was for $145,000; the median property value on originated loans was $205,000.