Catalyst Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
43rd11.4% deniedPricingmedian rate spread over APOR, weight 30%
78th0.03 ptsProcesswithdrawn + incomplete share, weight 15%
3rd33.5%Closing coststotal loan costs ÷ loan amount, weight 10%
43rd2.08% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 355 | 154 | 7.9% | 13.6% | 6.49% | $65M |
| 2024 | 213 | 114 | 6.6% | 9.5% | 6.49% | $50M |
| 2025 | 185 | 108 | 7.6% | 11.4% | 6.43% | $48M |
What Catalyst 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: 10 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 14 investment properties.
Why Catalyst Mortgage denies applications
Primary reason reported for each of the 14 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Catalyst Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 46 | 23 | 7.7% |
| $100k – $150k | 52 | 35 | 5.4% |
| $150k – $250k | 51 | 33 | 10.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 24 | 16 | 5.9% |
| 35–44 | 41 | 22 | 26.7% |
| 45–54 | 38 | 24 | 4.0% |
| 55–64 | 46 | 27 | 9.7% |
| 65–74 | 27 | 13 | 0.0% |
Where Catalyst Mortgage lends
10 states and 89 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 90 | 54 | 6.7% | 6.50% | #455 |
| Florida | 49 | 22 | 6.1% | 6.38% | #605 |
| Tennessee | 16 | 10 | 12.5% | 6.40% | #571 |
| Colorado | 13 | 6 | 15.4% | 6.25% | #471 |
| Oregon | 11 | 10 | 9.1% | 6.13% | #359 |
Frequently asked questions
Catalyst Mortgage denied 11.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 43rd percentile of small mortgage lenders.
The most common reason Catalyst Mortgage gave in 2025 was "debt-to-income ratio", cited on 35.7% 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 Catalyst Mortgage originated in 2025 was 6.43%, and its median rate spread over the average prime offer rate was 0.03 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 22% of its applications were for home purchases, 55% for refinancing (including cash-out), and 23% for home improvement or other purposes. By loan type: 50% conventional, 34% FHA, 16% 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.