Direct Mortgage in Texas vs the state
18.8%Denial rate-0.68 pts vs state
19.6%Decision denial rate-5.26 pts vs state
76.7%Origination rate+21.82 pts vs state
6.63%Median rate+0.13 pts vs state
—Rate spread (pts)
$134kMedian applicant income
135Loans originated
33Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 11 | 10 | 9.1% | 6.81% | #989 |
| 2024 | 35 | 28 | 20.0% | 6.63% | #752 |
| 2025 | 176 | 135 | 18.8% | 6.63% | #439 |
What Direct Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 43 | 31 | 12 | 27.9% |
| Fort Bend County | 27 | 21 | 5 | 18.5% |
| Montgomery County | 11 | 8 | 3 | 27.3% |
| Dallas County | 11 | 9 | 0 | 0.0% |
| Potter County | 10 | 7 | 3 | 30.0% |
| Brazoria County | 8 | 7 | 0 | 0.0% |
| Randall County | 8 | 6 | 1 | 12.5% |
| Tarrant County | 7 | 5 | 0 | 0.0% |
| Waller County | 5 | 5 | 0 | 0.0% |
| Denton County | 5 | 5 | 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: 176 applications in 2025, of which 135 were originated and 33 denied.
18.8% of all applications, or 19.6% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Direct Mortgage originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Direct Mortgage'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