Cport 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%
54th8.8% deniedProcesswithdrawn + incomplete share, weight 15%
43rd13.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 204 | 142 | 15.7% | 17.3% | — | $21M |
| 2024 | 156 | 120 | 9.6% | 10.3% | — | $22M |
| 2025 | 184 | 134 | 7.6% | 8.8% | — | $24M |
What Cport 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, 23 manufactured homes, 18 investment properties.
Who gets approved at Cport
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 22 | 12 | 27.8% |
| $50k – $100k | 62 | 46 | 10.7% |
| $100k – $150k | 36 | 26 | 6.5% |
| $150k – $250k | 36 | 28 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 24 | 15 | 0.0% |
| 35–44 | 40 | 30 | 13.5% |
| 45–54 | 46 | 30 | 18.0% |
| 55–64 | 25 | 19 | 4.8% |
| 65–74 | 24 | 17 | 4.6% |
Where Cport lends
1 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maine | 184 | 134 | 7.6% | — | #72 |
Frequently asked questions
Cport denied 8.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 54th percentile of small mortgage lenders.
In 2025, 21% of its applications were for home purchases, 29% 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.