Consumer First 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%
39th12.4% deniedPricingmedian rate spread over APOR, weight 30%
41st0.34 ptsProcesswithdrawn + incomplete share, weight 15%
95th0.0%Closing coststotal loan costs ÷ loan amount, weight 10%
10th3.88% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 171 | 150 | 11.7% | 11.8% | 6.63% | $28M |
| 2024 | 254 | 166 | 7.9% | 10.5% | 6.63% | $38M |
| 2025 | 169 | 148 | 12.4% | 12.4% | 6.38% | $32M |
What Consumer First 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, 5 investment properties.
Why Consumer First Mortgage denies applications
Primary reason reported for each of the 21 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Consumer First 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 | 17 | 41.4% |
| $50k – $100k | 89 | 83 | 6.7% |
| $100k – $150k | 32 | 32 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 20 | 0.0% |
| 25–34 | 53 | 48 | 9.4% |
| 35–44 | 36 | 33 | 8.3% |
| 45–54 | 30 | 23 | 23.3% |
Where Consumer First Mortgage lends
3 states and 40 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Consumer First Mortgage 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.
The most common reason Consumer First Mortgage gave in 2025 was "credit history", cited on 57.1% 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 Consumer First Mortgage originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was 0.34 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 70% of its applications were for home purchases, 30% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 44% conventional, 45% FHA, 6% 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.