Chrome 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%
39th12.4% deniedProcesswithdrawn + incomplete share, weight 15%
41st13.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 157 | 113 | 11.5% | 13.7% | — | $13M |
| 2024 | 153 | 111 | 14.4% | 16.5% | — | $11M |
| 2025 | 140 | 106 | 10.7% | 12.4% | — | $12M |
What Chrome 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, 1 manufactured homes, 53 investment properties.
Who gets approved at Chrome
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 12 | 29.4% |
| $50k – $100k | 41 | 25 | 13.8% |
| $100k – $150k | 20 | 16 | 15.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 23 | 17 | 15.0% |
| 55–64 | 20 | 12 | 20.0% |
| 65–74 | 20 | 12 | 14.3% |
Where Chrome lends
1 states and 7 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 140 | 106 | 10.7% | — | #331 |
Frequently asked questions
Chrome denied 12.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 39th percentile of small mortgage lenders.
In 2025, 3% of its applications were for home purchases, 48% for refinancing (including cash-out), and 49% 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.