FocusOne 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%
54th8.8% deniedPricingmedian rate spread over APOR, weight 30%
26th0.55 ptsProcesswithdrawn + incomplete share, weight 15%
3rd35.0%Closing coststotal loan costs ÷ loan amount, weight 10%
12th3.52% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 448 | 221 | 10.3% | 17.1% | 6.50% | $57M |
| 2024 | 471 | 225 | 11.7% | 19.6% | 6.99% | $40M |
| 2025 | 540 | 296 | 5.7% | 8.8% | 6.75% | $61M |
What FocusOne 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, 2 manufactured homes, 39 investment properties.
Why FocusOne Mortgage denies applications
Primary reason reported for each of the 31 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at FocusOne Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 47 | 19 | 15.4% |
| $50k – $100k | 171 | 100 | 12.8% |
| $100k – $150k | 133 | 76 | 4.7% |
| $150k – $250k | 130 | 68 | 8.2% |
| Over $250k | 58 | 33 | 2.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 69 | 32 | 2.8% |
| 35–44 | 109 | 62 | 10.7% |
| 45–54 | 146 | 81 | 11.2% |
| 55–64 | 108 | 64 | 2.8% |
| 65–74 | 75 | 40 | 10.2% |
| Over 74 | 25 | 14 | 21.1% |
Where FocusOne Mortgage lends
3 states and 65 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 536 | 295 | 5.8% | 6.75% | #249 |
Frequently asked questions
FocusOne Mortgage 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.
The most common reason FocusOne Mortgage gave in 2025 was "debt-to-income ratio", cited on 45.2% 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 FocusOne Mortgage originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.55 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 44% of its applications were for home purchases, 56% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 99% conventional, 1% 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.