Cwm Partners 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%
78th4.0% deniedPricingmedian rate spread over APOR, weight 30%
85th-0.05 ptsProcesswithdrawn + incomplete share, weight 15%
29th16.7%Closing coststotal loan costs ÷ loan amount, weight 10%
49th1.94% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 319 | 239 | 1.9% | 2.5% | 6.13% | $66M |
| 2024 | 296 | 245 | 2.4% | 2.8% | 6.13% | $67M |
| 2025 | 239 | 191 | 3.4% | 4.0% | 6.13% | $55M |
What Cwm Partners 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, 1 investment properties.
Why Cwm Partners denies applications
Primary reason reported for each of the 8 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Cwm Partners
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 94 | 73 | 6.4% |
| $100k – $150k | 90 | 79 | 1.3% |
| $150k – $250k | 39 | 30 | 3.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 27 | 23 | 0.0% |
| 25–34 | 89 | 80 | 2.4% |
| 35–44 | 53 | 35 | 10.3% |
| 45–54 | 38 | 30 | 3.2% |
| 55–64 | 20 | 13 | 7.1% |
Where Cwm Partners lends
1 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Oklahoma | 239 | 191 | 3.4% | 6.13% | #111 |
Frequently asked questions
Cwm Partners denied 4.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 78th percentile of small mortgage lenders.
The most common reason Cwm Partners gave in 2025 was "debt-to-income ratio", cited on 37.5% 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 Cwm Partners originated in 2025 was 6.13%, and its median rate spread over the average prime offer rate was -0.05 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 97% of its applications were for home purchases, 3% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 58% conventional, 28% FHA, 13% 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.