The Mortgage Record
Lender report card · New Jersey

Nations Direct Mortgage, Llc

Henderson, NV · What the federal mortgage record shows about how Nations Direct Mortgage, Llc treated New Jersey applicants, 2018–2025 — 820 reported decisions. This is historical behavior, not a prediction about your loan.

Approval rate
87.0%
713 approved
Denial rate
13.0%
107 denied
Decisions
820
2018–2025
Avg. rate spread
+0.57 pp
vs. market benchmark
87.0% approved
13.0% denied

Share of 820 New Jersey applications Nations Direct Mortgage, Llc approved vs. denied. Excludes loans it merely purchased on the secondary market, and applications withdrawn or left incomplete.

Approval rate by loan type

Conventional90.5% of 507 · NJ 87%FHA79.9% of 284 · NJ 79%

“NJ” = the statewide average approval rate for that loan type, for comparison.

Approval rate over time

75%81%87%93%99%83%90%78%98%79%80%95%87%20182019202020212022202320242025

Pricing

Adjusting for its loan-type mix, Nations Direct Mortgage, Llc’s rates ran +0.12 pp higher than the typical New Jersey lender (average rate spread +0.57 pp above the market benchmark). Rate spread is APR minus the average prime offer rate; positive means costlier than the low-risk benchmark.

Who Nations Direct Mortgage, Llc approves

By income
Under $50k80.6% · 31$50–75k85.6% · 111$75–100k83.9% · 143$100–150k84.6% · 228$150–250k91.7% · 205$250k+89.1% · 92
By debt-to-income
Under 36%91.0% · 19936–43%90.5% · 17943–50%90.8% · 284Over 50%69.1% · 139
By down payment (LTV)
20%+ down89.1% · 36810–20% down89.1% · 1015–10% down80.9% · 943–5% down86.4% · 154Under 3% down84.0% · 25

Why Nations Direct Mortgage, Llc denied applications

Debt-to-income ratio35% of denialsCredit history22% of denialsOther18% of denialsInsufficient cash to close16% of denialsUnverifiable information13% of denialsIncomplete application10% of denials

Where Nations Direct Mortgage, Llc lends in NJ

CountyDecisionsApproval
Middlesex County10386.4%
Essex County8569.4%
Somerset County5794.7%
Camden County5692.9%
Bergen County5479.6%
Mercer County5190.2%
Burlington County5094.0%
Union County4785.1%

Fees & closing costs

Median total loan costs
$10,084
home purchase
As % of loan
2.88%
NJ median 1.93%
Priced originations
544
with fee data

Median lender and third-party costs (the Loan Estimate’s “total loan costs”) on Nations Direct Mortgage, Llc’s home-purchase originations — 0.95 points higher than the 1.93% New Jersey median. Typical lender credit toward costs: $3,892. Excludes prepaid taxes/insurance and escrow deposits. Fees are reported on roughly two-thirds of originations (small lenders are exempt). Methodology →

Compare Nations Direct Mortgage, Llc to other lenders for your profile

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Source: CFPB HMDA loan-level data, 2018–2025 · first-lien, closed-end mortgages on 1–4 family homes in New Jersey reported by Nations Direct Mortgage, Llc (LEI 549300QKL5FUBZ8LSF50). Rates describe past reported outcomes for the lender’s applicant pool and are not a prediction for any individual. Methodology →