Texas Trust mortgage approval rate & lending review
Texas Trust decided 786 mortgage applications and funded 715 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Texas Trust reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Texas Trust at a glance
Approval is 19.6 points above the 72.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 135 / 139 | 100% | $275K | 135 |
| Home improvement loans | 78% | 21 / 27 | 95% | $125K | 20 |
| Cash-out refinance | 91% | 500 / 547 | 99% | $95K | 497 |
| Investment cash-out refinance | 96% | 27 / 28 | 89% | $295K | 24 |
Texas Trust lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 92% | $95K | 786 | 715 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Texas Trust lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Tarrant County, TX | Cash-out refinance | 88% | 224 | 196 |
| Dallas County, TX | Cash-out refinance | 93% | 166 | 154 |
| Denton County, TX | Cash-out refinance | 92% | 36 | 33 |
| Tom Green County, TX | Cash-out refinance | 89% | 36 | 32 |
| Ellis County, TX | Cash-out refinance | 97% | 29 | 27 |
| Johnson County, TX | Cash-out refinance | 96% | 24 | 23 |
The county markets where Texas Trust made the most loans. Each link opens that market with every lender ranked.
Questions about Texas Trust
What is Texas Trust's mortgage approval rate?
Texas Trust approved 92.0% of the 786 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 19.6 points above the 72.4% national rate for the same mix of loan types.
How often do borrowers take the loan Texas Trust offers?
Borrowers accepted 99% of the loans Texas Trust approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Texas Trust make?
The typical cash-out refinance loan Texas Trust made was $95K; across all loan types its typical loan ran from $95K to $295K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Texas Trust lend?
Texas Trust decided applications in 1 of the states Fat Boy Data covers, most of them in Texas.
Can I apply to Texas Trust directly?
Yes. Texas Trust is a bank or credit union with 22 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Texas Trust's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Texas Trust treats applications, then get a rate quote from the lender.