Countryplace Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F 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%
0th85.3% deniedPricingmedian rate spread over APOR, weight 30%
1st2.33 ptsProcesswithdrawn + incomplete share, weight 15%
3rd41.0%Closing coststotal loan costs ÷ loan amount, weight 10%
0th10.11% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 6,681 | 851 | 56.3% | 81.6% | 7.70% | $115M |
| 2024 | 5,079 | 513 | 51.1% | 83.5% | 8.49% | $78M |
| 2025 | 3,473 | 301 | 50.4% | 85.3% | 8.29% | $51M |
What Countryplace 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, 3,449 manufactured homes, 1 investment properties.
Why Countryplace Mortgage denies applications
Primary reason reported for each of the 1,750 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Countryplace Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 772 | 38 | 93.8% |
| $50k – $100k | 1,557 | 146 | 84.2% |
| $100k – $150k | 736 | 83 | 75.2% |
| $150k – $250k | 302 | 30 | 74.1% |
| Over $250k | 79 | 4 | 89.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 335 | 22 | 89.0% |
| 25–34 | 965 | 84 | 84.8% |
| 35–44 | 733 | 58 | 87.0% |
| 45–54 | 570 | 41 | 87.6% |
| 55–64 | 466 | 55 | 80.6% |
| 65–74 | 300 | 33 | 81.4% |
| Over 74 | 104 | 8 | 87.5% |
Where Countryplace Mortgage lends
26 states and 607 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 1,849 | 159 | 50.0% | 8.44% | #108 |
| Oklahoma | 409 | 18 | 56.5% | 8.34% | #71 |
| New Mexico | 239 | 24 | 47.3% | 8.69% | #69 |
| Florida | 173 | 32 | 35.3% | 4.88% | #391 |
| Louisiana | 153 | 9 | 60.8% | 8.79% | #140 |
| North Carolina | 148 | 10 | 56.8% | 6.19% | #269 |
| Mississippi | 122 | 3 | 59.8% | 8.34% | #113 |
| South Carolina | 95 | 15 | 50.5% | 8.09% | #263 |
| Alabama | 66 | 4 | 47.0% | 8.77% | #274 |
| Georgia | 48 | 4 | 39.6% | 8.57% | #442 |
| Arizona | 36 | 3 | 27.8% | 4.75% | #349 |
| Kentucky | 33 | 3 | 36.4% | 8.04% | #302 |
| Arkansas | 32 | 0 | 53.1% | — | #241 |
| Indiana | 18 | 13 | 11.1% | 5.00% | #473 |
| Missouri | 13 | 0 | 30.8% | — | #484 |
| Illinois | 12 | 4 | 50.0% | 7.75% | #661 |
| Kansas | 9 | 0 | 88.9% | — | #363 |
| Tennessee | 6 | 0 | 66.7% | — | #701 |
Frequently asked questions
Countryplace Mortgage denied 85.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 0th percentile of mid-size mortgage lenders.
The most common reason Countryplace Mortgage gave in 2025 was "credit history", cited on 78.3% 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 Countryplace Mortgage originated in 2025 was 8.29%, and its median rate spread over the average prime offer rate was 2.33 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 98% of its applications were for home purchases, 2% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 80% conventional, 20% 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.