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The 68th largest mortgage reporter of 2024 by decisioned applications. It decided 19,148 applications, originated 7,187 loans worth $1.9B, and denied 11,201 (58.5%, against a national 24.3%). It reported lending in 44 states and territories and 2,064 counties. The public register does not name the institution behind this identifier, and this page does not guess at it.

19,148

Decisioned applications

2024, rank 68 of 300

58.5%

Denial rate

national 24.3%

$245,000

Median originated loan

national $235,000

7.63%

Median contract rate

national 6.88%

How to read a lender’s denial rate. It is the outcome of the applications this reporter received. The register carries nothing about who was discouraged, screened out or never reached before an application was filed, and nothing about the channel the application arrived through. Two reporters’ denial rates are computed on two different books of applications, and the difference between them is not, on its own, a fact about either lender’s conduct.

Volume, 2018 to 2024

Decisioned applicationsOriginationsDenials

Source: HMDA public LAR (CFPB/FFIEC), snapshot files Years in which this LEI filed. A year with no filing is absent from the line rather than plotted as zero. This LEI appears in 7 of the 7 modern-schema years. Methodology

What it originated, 2024

By loan type

By purpose

Source: HMDA public LAR (CFPB/FFIEC), snapshot files Shares of this reporter's 7,187 originations in 2024. Home-improvement and other-purpose loans exist in the register and are not charted here, so the purpose bars need not sum to 100%. Median reported applicant income on an origination: $83,000. Methodology

Denial rate by applicant group, 2024

On this reporter’s 570 screened applications (first-lien, owner-occupied, one-unit home purchase). These are raw rates: no composition adjustment is made at lender level, and the national standardization is not transferable to a single book. A group with fewer than 100 screened applications shows its count and no rate.

Applicant group	Screened apps	Denied	Denial rate
White, non-Hispanic	351	25	7.1%
Race not available	104	17	16.3%
Black or African American	52	6	n/a
White, ethnicity not reported	21	2	n/a
White, Hispanic or Latino	14	2	n/a
Joint (race)	12	1	n/a
American Indian or Alaska Native	6	1	n/a
Asian	5	0	n/a
Two or more minority races	3	0	n/a
Native Hawaiian or Pacific Islander	2	0	n/a

Source: HMDA public LAR (CFPB/FFIEC), snapshot files Screened decisioned applications only, so these counts are smaller than the reporter's full book. Race is reported on some applications and not others; the 'race not available' row is the applications where it is not, and it is not evidence about any group. Methodology

Why it denied, 2024

Source: HMDA public LAR (CFPB/FFIEC), snapshot files Primary denial reason on this reporter's 11,201 denials in 2024. The primary reason field only; the three optional supplementary reason fields are not counted. Methodology

Where it lends, 2024

The 5 states with the most decisioned applications, of 44 in which this reporter filed at all.

State	Decisioned applications	Share of its book
FL	2,131	11.1%
GA	1,256	6.6%
NC	1,190	6.2%
OH	1,078	5.6%
PA	893	4.7%

Source: HMDA public LAR (CFPB/FFIEC), snapshot files Share of this reporter's own decisioned applications, not of the state's market. Methodology

Against the national book

Measure, 2024	This reporter	All reporters	Difference
Denial rate	58.50%	24.31%	34.18 pp
FHA share of originations	2.45%	13.40%	-10.95 pp
Median originated loan	$245,000	$235,000	$10,000
Median contract rate	7.625%	6.875%	0.750 pp

Source: HMDA public LAR (CFPB/FFIEC), snapshot files Both FHA shares are of originations, this reporter's own on one side and every reporter's on the other. Rates and loan sizes are medians, so the difference of two medians is not the median of a difference, and a reporter lending in one expensive state will differ from the national median for that reason alone. Methodology