Nations Lending in Texas vs the state
2.9%Denial rate-16.57 pts vs state
2.9%Decision denial rate-21.96 pts vs state
88.3%Origination rate+33.41 pts vs state
6.63%Median rate+0.13 pts vs state
0.38Rate spread (pts)+0.19 pts vs state
$109kMedian applicant income
709Loans originated
23Denied
Trend in Texas
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,009 | 853 | 3.1% | 6.63% | #152 |
| 2024 | 688 | 565 | 2.3% | 6.63% | #207 |
| 2025 | 803 | 709 | 2.9% | 6.63% | #190 |
What Nations Lending lends in Texas
By loan purpose
By loan type
Why it denied Texas applicants
Where in Texas
Counties with the most Nations Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harris County | 183 | 166 | 6 | 3.3% |
| Hidalgo County | 92 | 80 | 1 | 1.1% |
| Montgomery County | 91 | 86 | 1 | 1.1% |
| Ector County | 57 | 50 | 0 | 0.0% |
| Hopkins County | 41 | 37 | 1 | 2.4% |
| Midland County | 38 | 34 | 0 | 0.0% |
| Cameron County | 24 | 19 | 1 | 4.2% |
| Chambers County | 17 | 15 | 1 | 5.9% |
| Tarrant County | 16 | 14 | 0 | 0.0% |
| Fort Bend County | 15 | 13 | 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: 803 applications in 2025, of which 709 were originated and 23 denied.
2.9% of all applications, or 2.9% of the applications it actually decided on. The Texas statewide average across all lenders was 19.4%.
The median rate on loans Nations Lending originated in Texas in 2025 was 6.63%, against a statewide median of 6.50%.
About this data. Figures are Nations Lending'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