Campos Financial 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 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
25th0.59 ptsProcesswithdrawn + incomplete share, weight 15%
83rd3.8%Closing coststotal loan costs ÷ loan amount, weight 10%
20th2.96% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 241 | 231 | 0.0% | 0.0% | 6.88% | $112M |
| 2024 | 221 | 211 | 0.0% | 0.0% | 6.63% | $109M |
| 2025 | 236 | 227 | 0.0% | 0.0% | 6.63% | $122M |
What Campos Financial 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: 6 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 42 investment properties.
Who gets approved at Campos Financial
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 24 | 22 | 0.0% |
| $50k – $100k | 43 | 42 | 0.0% |
| $100k – $150k | 61 | 59 | 0.0% |
| $150k – $250k | 62 | 60 | 0.0% |
| Over $250k | 38 | 36 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 38 | 36 | 0.0% |
| 35–44 | 60 | 59 | 0.0% |
| 45–54 | 68 | 67 | 0.0% |
| 55–64 | 36 | 33 | 0.0% |
Where Campos Financial lends
4 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 232 | 223 | 0.0% | 6.63% | #343 |
Frequently asked questions
Campos Financial denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Campos Financial originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.59 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 55% of its applications were for home purchases, 44% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 60% conventional, 39% FHA, 1% 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.