Clm Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
98th0.9% deniedPricingmedian rate spread over APOR, weight 30%
97th-0.47 ptsProcesswithdrawn + incomplete share, weight 15%
91st6.8%Closing coststotal loan costs ÷ loan amount, weight 10%
71st1.80% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,977 | 1,456 | 3.5% | 4.6% | 6.25% | $555M |
| 2024 | 3,229 | 2,635 | 1.7% | 2.0% | 5.99% | $1.1B |
| 2025 | 4,334 | 3,686 | 0.9% | 0.9% | 5.63% | $1.6B |
What Clm 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, 171 investment properties.
Why Clm Mortgage denies applications
Primary reason reported for each of the 38 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Clm Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 29 | 23 | 3.7% |
| $50k – $100k | 816 | 711 | 2.0% |
| $100k – $150k | 1,581 | 1,355 | 0.7% |
| $150k – $250k | 1,433 | 1,213 | 0.5% |
| Over $250k | 468 | 382 | 0.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 203 | 186 | 2.0% |
| 25–34 | 1,382 | 1,213 | 0.8% |
| 35–44 | 1,189 | 1,022 | 0.8% |
| 45–54 | 809 | 654 | 1.1% |
| 55–64 | 471 | 380 | 1.2% |
| 65–74 | 222 | 187 | 0.5% |
| Over 74 | 58 | 44 | 0.0% |
Where Clm Mortgage lends
8 states and 71 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 2,009 | 1,657 | 0.9% | 5.49% | #96 |
| California | 538 | 448 | 0.7% | 6.13% | #253 |
| Idaho | 378 | 348 | 0.5% | 5.75% | #59 |
| Oregon | 355 | 317 | 1.7% | 5.49% | #79 |
| Utah | 346 | 305 | 0.9% | 6.13% | #70 |
| Nevada | 284 | 254 | 0.7% | 6.12% | #80 |
| Washington | 253 | 219 | 0.4% | 5.49% | #167 |
| Arizona | 171 | 138 | 1.2% | 6.25% | #189 |
Frequently asked questions
Clm Mortgage denied 0.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 98th percentile of mid-size mortgage lenders.
The most common reason Clm Mortgage gave in 2025 was "debt-to-income ratio", cited on 78.9% 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 Clm Mortgage originated in 2025 was 5.63%, and its median rate spread over the average prime offer rate was -0.47 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 100% of its applications were for home purchases, 0% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 62% conventional, 24% FHA, 14% 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.