# TEXAS TRUST

> **Canonical URL:** https://saferate.com/lenders/texas-trust

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

TEXAS TRUST is a credit union, headquartered in Arlington, TX, with 94 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 15% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 49% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300KKOHQFSTKHSN59
- **Headquarters:** Arlington, TX
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** TX
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.245%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $959
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 94
- **Dollar Volume:** $17 million
- **Applications Received:** 119
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $184,043
- **Average Borrower Income:** $101,245

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 94 | +0.245% | $959 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 22 loans, Score: 19/100 (Mediocre)
- Refinance: 72 loans, Score: 53/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 20/100 | 22 | $6M | +0.314% | Mediocre 😐 |
| Refinance | 52/100 | 72 | $12M | +0.233% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| TX | 94 | 0.03% | 65/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fort Worth | TX | 43 | 66/100 |
| Dallas | TX | 36 | 60/100 |
| San Angelo, TX | TX | 10 | 47/100 |

## Frequently Asked Questions

### What loan types does TEXAS TRUST offer?

TEXAS TRUST offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does TEXAS TRUST offer mortgages?

TEXAS TRUST offers mortgages in 1 states: TX.

### How competitive are TEXAS TRUST's mortgage rates?

TEXAS TRUST has a pricing score of 85/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.245% above market average.

### What type of lender is TEXAS TRUST?

TEXAS TRUST is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Arlington, TX.

### What is TEXAS TRUST's loan approval success rate?

TEXAS TRUST has a pull-through score of 51/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/texas-trust

### How to Cite

> "TEXAS TRUST Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/texas-trust

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