Nations Direct Mortgage in Texas vs the state
8.3%Denial rate-11.13 pts vs state
11.5%Decision denial rate-13.36 pts vs state
63.7%Origination rate+8.79 pts vs state
6.50%Median rate0.00 pts vs state
0.11Rate spread (pts)-0.08 pts vs state
$128kMedian applicant income
184Loans originated
24Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 320 | 140 | 20.3% | 7.13% | #316 |
| 2024 | 253 | 145 | 14.6% | 6.63% | #353 |
| 2025 | 289 | 184 | 8.3% | 6.50% | #344 |
What Nations Direct Mortgage lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Nations Direct Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 80 | 55 | 5 | 6.3% |
| Montgomery County | 34 | 25 | 1 | 2.9% |
| Bexar County | 17 | 9 | 1 | 5.9% |
| Dallas County | 13 | 9 | 3 | 23.1% |
| Collin County | 12 | 8 | 0 | 0.0% |
| Travis County | 10 | 6 | 0 | 0.0% |
| Tarrant County | 10 | 6 | 1 | 10.0% |
| Fort Bend County | 8 | 7 | 1 | 12.5% |
| Webb County | 8 | 3 | 2 | 25.0% |
| Hidalgo County | 7 | 2 | 2 | 28.6% |
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: 289 applications in 2025, of which 184 were originated and 24 denied.
8.3% of all applications, or 11.5% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Nations Direct Mortgage originated in Texas in 2025 was 6.50%, against a statewide median of 6.50%.
About this data. Figures are Nations 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