PlainLender

TRINITY OAKS MORTGAGE

RED OAK, TX

TRINITY OAKS MORTGAGE processed 518 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 412 loans with a 3.9% denial rate. Home Purchase was the primary loan purpose. Based in RED OAK, TX. The approval rate of 79.5% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. TRINITY OAKS MORTGAGE processed 518 HMDA-reported mortgage applications in 2024, originating 412 loans and denying 20 for a denial rate of 3.9% (applicants themselves withdrew 75 files before a decision). The average loan amount was $390,830 at a 6.335% average note rate, and applicants self-reported an average income of $40,000. The lender reports under LEI 254900YJQZQTI7TUKN67 from RED OAK, TX.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% — HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. TRINITY OAKS MORTGAGE's 79.5% origination rate tells you how often an application turned into funded money; the 3.9% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Other, Employment history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (320 applications).

How to read this page. These figures are aggregate HMDA disclosures — they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting — it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

518
Applications
412
Originated
3.9%
Denial Rate
$390,830
Avg Loan Amount
Avg Interest Rate: 6.335% Avg Applicant Income: $40,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 320 248 8 $376,125
FHA 132 106 11 $379,545
VA 66 58 1 $484,697

Top loan types — TRINITY OAKS MORTGAGE

Top loan types — TRINITY OAKS MORTGAGE Horizontal bar chart of the top 3 items by value (applications). Top loan types — TRINITY OAKS MORTGAGE Top 3 1. Conventional 320 2. FHA 132 3. VA 66 Top 5 loan types by application volume at TRINITY OAKS MORTGAGE (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for TRINITY OAKS MORTGAGE (LEI: 254900YJQZQTI7TUKN67) · 2023 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
10
Other
5
Employment history
4
Credit history
3
Collateral
2

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 475 381 $392,832
Refinancing 25 18 $346,600
Cash-out Refinancing 18 13 $399,444

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 345 81.2% 2.9%
Black or African American 77 81.8% 3.9%
Joint 27 66.7% 11.1%
Asian 20 80.0% 10.0%
American Indian or Alaska Native 3 66.7% 0.0%
2 or more minority races 2 100.0% 0.0%

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 351 80.3% 3.1%
Hispanic or Latino 93 78.5% 7.5%
Joint 32 78.1% 3.1%

Nearby Lenders in TX

Other HMDA-reporting lenders in TX with similar activity. Compare any two side-by-side.

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare TRINITY OAKS MORTGAGE vs Nationstar Mortgage →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did TRINITY OAKS MORTGAGE process?
TRINITY OAKS MORTGAGE processed 518 mortgage applications in the 2023 HMDA reporting year. Of these, 412 were originated (approved and funded), 75 were withdrawn by the applicant, and 20 were denied.
What is TRINITY OAKS MORTGAGE's mortgage approval rate?
TRINITY OAKS MORTGAGE has an approval (origination) rate of 79.5%, meaning 79.5% of all applications resulted in a funded mortgage. The denial rate is 3.9%.
What is the average loan amount at TRINITY OAKS MORTGAGE?
The average mortgage loan amount at TRINITY OAKS MORTGAGE is $390,830. The average interest rate is 6.335%. The average applicant income is $40,000.
What are the most common reasons for mortgage denial at TRINITY OAKS MORTGAGE?
The most common reasons for mortgage denial at TRINITY OAKS MORTGAGE are: Debt-to-income ratio, Other, Employment history. In total, 20 applications were denied out of 518 total applications.
What types of mortgage loans does TRINITY OAKS MORTGAGE offer?
TRINITY OAKS MORTGAGE processes Conventional, FHA, VA loans. The most common type is Conventional with 320 applications and an average loan amount of $376,125.
What loan purposes does TRINITY OAKS MORTGAGE serve?
TRINITY OAKS MORTGAGE serves the following loan purposes: Home Purchase (475 applications), Refinancing (25 applications), Cash-out Refinancing (18 applications). Home Purchase is the most common purpose.
Where is TRINITY OAKS MORTGAGE located?
TRINITY OAKS MORTGAGE is headquartered in RED OAK, TX. The lender is identified by LEI 254900YJQZQTI7TUKN67 in HMDA data.
How does TRINITY OAKS MORTGAGE compare in lending across racial demographics?
TRINITY OAKS MORTGAGE reports demographic lending data under HMDA requirements. White applicants have an approval rate of 81.2% and denial rate of 2.9%; Black or African American applicants have an approval rate of 81.8% and denial rate of 3.9%; Joint applicants have an approval rate of 66.7% and denial rate of 11.1%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology — how this data is sourced, computed, and verified.