All Credit Considered Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
99th0.7% deniedPricingmedian rate spread over APOR, weight 30%
6th0.91 ptsProcesswithdrawn + incomplete share, weight 15%
99th0.3%Closing coststotal loan costs ÷ loan amount, weight 10%
7th4.51% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,673 | 1,295 | 28.1% | 36.7% | 9.13% | $476M |
| 2024 | 3,479 | 1,699 | 27.0% | 35.6% | 8.25% | $651M |
| 2025 | 1,745 | 1,727 | 0.7% | 0.7% | 7.50% | $646M |
What All Credit Considered Mortgage lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 716 investment properties.
Why All Credit Considered Mortgage denies applications
Primary reason reported for each of the 12 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at All Credit Considered Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 249 | 247 | 0.8% |
| $100k – $150k | 251 | 250 | 0.0% |
| $150k – $250k | 261 | 259 | 0.4% |
| Over $250k | 313 | 312 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 25 | 24 | 0.0% |
| 25–34 | 223 | 222 | 0.5% |
| 35–44 | 648 | 644 | 0.5% |
| 45–54 | 531 | 526 | 0.6% |
| 55–64 | 226 | 222 | 1.8% |
| 65–74 | 69 | 66 | 1.5% |
| Over 74 | 23 | 23 | 0.0% |
Where All Credit Considered Mortgage lends
43 states and 407 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 264 | 260 | 0.8% | 7.38% | #329 |
| California | 197 | 195 | 0.0% | 7.63% | #366 |
| Texas | 189 | 184 | 2.7% | 7.50% | #423 |
| New Jersey | 176 | 175 | 0.0% | 7.50% | #208 |
| Maryland | 153 | 150 | 1.3% | 7.63% | #191 |
| Virginia | 124 | 124 | 0.0% | 7.38% | #264 |
| Georgia | 65 | 65 | 0.0% | 7.75% | #405 |
| North Carolina | 63 | 63 | 0.0% | 7.88% | #370 |
| Arizona | 51 | 51 | 0.0% | 7.38% | #312 |
| South Carolina | 47 | 46 | 2.1% | 7.88% | #352 |
| Illinois | 45 | 45 | 0.0% | 7.75% | #475 |
| Washington | 43 | 43 | 0.0% | 7.75% | #305 |
| Nevada | 39 | 39 | 0.0% | 7.63% | #227 |
| Connecticut | 34 | 34 | 0.0% | 7.56% | #247 |
| Oregon | 32 | 32 | 0.0% | 7.50% | #262 |
| Colorado | 30 | 30 | 0.0% | 7.69% | #367 |
| Pennsylvania | 29 | 29 | 0.0% | 7.00% | #555 |
| Tennessee | 29 | 28 | 3.5% | 7.38% | #483 |
| Utah | 24 | 24 | 0.0% | 7.88% | #228 |
| Ohio | 18 | 18 | 0.0% | 8.25% | #546 |
| Louisiana | 11 | 11 | 0.0% | 7.88% | #368 |
| Alabama | 10 | 10 | 0.0% | 7.44% | #476 |
| Indiana | 7 | 7 | 0.0% | 8.00% | #596 |
| Michigan | 7 | 7 | 0.0% | 7.50% | #554 |
| Mississippi | 7 | 7 | 0.0% | 8.88% | #319 |
| Minnesota | 6 | 6 | 0.0% | 7.50% | #529 |
| Arkansas | 5 | 5 | 0.0% | 7.13% | #399 |
| Idaho | 5 | 5 | 0.0% | 8.00% | #326 |
| New York | 5 | 4 | 20.0% | 6.94% | #523 |
| Oklahoma | 5 | 5 | 0.0% | 6.88% | #484 |
Frequently asked questions
All Credit Considered Mortgage denied 0.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 99th percentile of mid-size mortgage lenders.
The most common reason All Credit Considered Mortgage gave in 2025 was "collateral", cited on 66.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans All Credit Considered Mortgage originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.91 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 69% of its applications were for home purchases, 31% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.