Nations Direct Mortgage, LLC mortgage approval rate & lending review
Nations Direct Mortgage, LLC decided 14,967 mortgage applications and funded 13,343 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Nations Direct Mortgage, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to nationsdirectmortgage.com.
This lender is broker only. It does not take applications from borrowers directly; you would reach it through a mortgage broker.
Nations Direct Mortgage, LLC at a glance
Approval is 5.8 points above the 83.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 9,043 / 9,921 | 100% | $425K | 9,043 |
| Cash-out refinance | 80% | 1,662 / 2,076 | 100% | $325K | 1,662 |
| Refinance | 92% | 940 / 1,020 | 100% | $485K | 940 |
| Investment property purchase | 92% | 954 / 1,033 | 100% | $315K | 954 |
| Investment cash-out refinance | 79% | 529 / 668 | 100% | $255K | 529 |
| Investment refinance | 86% | 215 / 249 | 100% | $395K | 215 |
Nations Direct Mortgage, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Oregon | 98% | $425K | 3,060 | 3,009 |
| California | 86% | $665K | 2,948 | 2,540 |
| Pennsylvania | 95% | $385K | 1,164 | 1,110 |
| Florida | 77% | $365K | 968 | 741 |
| Washington | 96% | $455K | 923 | 883 |
| Massachusetts | 91% | $555K | 770 | 704 |
| New Jersey | 88% | $475K | 575 | 505 |
| Texas | 78% | $325K | 533 | 418 |
| Virginia | 91% | $515K | 533 | 485 |
| Ohio | 88% | $215K | 422 | 373 |
| Georgia | 81% | $315K | 380 | 308 |
| Arizona | 86% | $415K | 341 | 292 |
| Illinois | 84% | $285K | 322 | 272 |
| Maryland | 85% | $395K | 255 | 218 |
| Michigan | 81% | $235K | 208 | 169 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Nations Direct Mortgage, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Multnomah County, OR | Mortgage lenders | 100% | 831 | 829 |
| Washington County, OR | Mortgage lenders | 99% | 475 | 470 |
| Clackamas County, OR | Mortgage lenders | 99% | 435 | 430 |
| Marion County, OR | Mortgage lenders | 97% | 322 | 311 |
| Clark County, WA | Mortgage lenders | 98% | 307 | 300 |
| Los Angeles County, CA | Cash-out refinance | 82% | 293 | 239 |
| Montgomery County, PA | Mortgage lenders | 97% | 190 | 185 |
| Deschutes County, OR | Mortgage lenders | 100% | 165 | 165 |
| Middlesex County, MA | Mortgage lenders | 92% | 151 | 139 |
| Fairfax County, VA | Mortgage lenders | 96% | 142 | 136 |
| Chester County, PA | Mortgage lenders | 99% | 128 | 127 |
| Middlesex County, MA | Refinance | 98% | 114 | 112 |
The county markets where Nations Direct Mortgage, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about Nations Direct Mortgage, LLC
What is Nations Direct Mortgage, LLC's mortgage approval rate?
Nations Direct Mortgage, LLC approved 89.1% of the 14,967 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.8 points above the 83.3% national rate for the same mix of loan types.
How often do borrowers take the loan Nations Direct Mortgage, LLC offers?
Borrowers accepted 100% of the loans Nations Direct Mortgage, LLC approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Nations Direct Mortgage, LLC make?
The typical home purchase mortgage loan Nations Direct Mortgage, LLC made was $425K; across all loan types its typical loan ran from $255K to $485K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Nations Direct Mortgage, LLC lend?
Nations Direct Mortgage, LLC decided applications in 42 of the states Fat Boy Data covers, most of them in Oregon, California and Pennsylvania.
Can I apply to Nations Direct Mortgage, LLC directly?
No. Nations Direct Mortgage, LLC is a wholesale lender: it funds loans that mortgage brokers bring to it and does not take applications from borrowers directly. Its website is nationsdirectmortgage.com.
Does this page show Nations Direct Mortgage, LLC's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Nations Direct Mortgage, LLC treats applications, then get a rate quote from the lender.