Direct Mortgage Loans in Texas vs the state
4.2%Denial rate-15.23 pts vs state
5.0%Decision denial rate-19.95 pts vs state
67.2%Origination rate+12.35 pts vs state
6.99%Median rate+0.49 pts vs state
0.72Rate spread (pts)+0.53 pts vs state
$99kMedian applicant income
80Loans originated
5Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 101 | 71 | 1.0% | 7.25% | #551 |
| 2024 | 110 | 83 | 2.7% | 7.13% | #535 |
| 2025 | 119 | 80 | 4.2% | 6.99% | #519 |
What Direct Mortgage Loans lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Direct Mortgage Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 54 | 32 | 4 | 7.4% |
| Montgomery County | 13 | 9 | 0 | 0.0% |
| Fort Bend County | 6 | 5 | 0 | 0.0% |
| Waller County | 6 | 3 | 0 | 0.0% |
| Brazoria County | 5 | 4 | 1 | 20.0% |
| Collin County | 5 | 4 | 0 | 0.0% |
| Liberty County | 5 | 2 | 0 | 0.0% |
| Tarrant County | 2 | 2 | 0 | 0.0% |
| Hidalgo County | 2 | 2 | 0 | 0.0% |
| Galveston County | 2 | 2 | 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: 119 applications in 2025, of which 80 were originated and 5 denied.
4.2% of all applications, or 5.0% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Direct Mortgage Loans originated in Texas in 2025 was 6.99%, against a statewide median of 6.50%.
About this data. Figures are Direct Mortgage Loans'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