Colina Mortgage Group 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%
35th13.4% deniedPricingmedian rate spread over APOR, weight 30%
99th-0.93 ptsProcesswithdrawn + incomplete share, weight 15%
66th8.3%Closing coststotal loan costs ÷ loan amount, weight 10%
13th3.41% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 291 | 150 | 11.3% | 14.7% | 6.50% | $42M |
| 2024 | 338 | 234 | 9.5% | 10.4% | 5.99% | $68M |
| 2025 | 276 | 190 | 12.3% | 13.4% | 4.99% | $55M |
What Colina Mortgage Group 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, 10 investment properties.
Why Colina Mortgage Group denies applications
Primary reason reported for each of the 34 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Colina Mortgage Group
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 95 | 59 | 20.2% |
| $100k – $150k | 113 | 86 | 7.7% |
| $150k – $250k | 57 | 39 | 8.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 16 | 15.8% |
| 25–34 | 88 | 65 | 11.1% |
| 35–44 | 66 | 42 | 15.5% |
| 45–54 | 52 | 34 | 14.6% |
| 55–64 | 29 | 17 | 14.8% |
Where Colina Mortgage Group lends
1 states and 5 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 276 | 190 | 12.3% | 4.99% | #353 |
Frequently asked questions
Colina Mortgage Group denied 13.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 35th percentile of small mortgage lenders.
The most common reason Colina Mortgage Group gave in 2025 was "credit history", cited on 64.7% 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 Colina Mortgage Group originated in 2025 was 4.99%, and its median rate spread over the average prime offer rate was -0.93 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 99% of its applications were for home purchases, 1% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 36% conventional, 52% FHA, 12% 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.