Directions Equity in Texas vs the state
2.7%Denial rate-16.78 pts vs state
3.3%Decision denial rate-21.60 pts vs state
72.0%Origination rate+17.07 pts vs state
6.25%Median rate-0.25 pts vs state
0.21Rate spread (pts)+0.02 pts vs state
$84kMedian applicant income
1,708Loans originated
63Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 609 | 609 | 0.0% | 6.63% | #228 |
| 2024 | 1,711 | 1,245 | 3.0% | 6.38% | #103 |
| 2025 | 2,374 | 1,708 | 2.7% | 6.25% | #84 |
What Directions Equity lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Directions Equity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bexar County | 1,213 | 867 | 33 | 2.7% |
| Hidalgo County | 265 | 202 | 5 | 1.9% |
| Guadalupe County | 123 | 82 | 1 | 0.8% |
| El Paso County | 100 | 74 | 3 | 3.0% |
| Cameron County | 91 | 72 | 0 | 0.0% |
| Comal County | 77 | 53 | 1 | 1.3% |
| Midland County | 57 | 49 | 0 | 0.0% |
| Medina County | 49 | 36 | 2 | 4.1% |
| Harris County | 49 | 33 | 3 | 6.1% |
| Wilson County | 31 | 21 | 1 | 3.2% |
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: 2,374 applications in 2025, of which 1,708 were originated and 63 denied.
2.7% of all applications, or 3.3% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Directions Equity originated in Texas in 2025 was 6.25%, against a statewide median of 6.50%.
About this data. Figures are Directions Equity'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