Hamilton Mortgage 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%
89th1.9% deniedPricingmedian rate spread over APOR, weight 30%
40th0.35 ptsProcesswithdrawn + incomplete share, weight 15%
26th17.6%Closing coststotal loan costs ÷ loan amount, weight 10%
14th3.35% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 408 | 328 | 2.7% | 3.2% | 6.81% | $65M |
| 2024 | 637 | 506 | 1.6% | 1.9% | 6.50% | $95M |
| 2025 | 506 | 406 | 1.6% | 1.9% | 6.25% | $84M |
What Hamilton 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, 36 manufactured homes, 2 investment properties.
Why Hamilton Mortgage 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 Hamilton Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 63 | 53 | 3.6% |
| $50k – $100k | 269 | 222 | 0.5% |
| $100k – $150k | 96 | 73 | 4.0% |
| $150k – $250k | 64 | 50 | 1.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 89 | 71 | 1.4% |
| 25–34 | 150 | 122 | 1.6% |
| 35–44 | 119 | 92 | 2.1% |
| 45–54 | 67 | 50 | 3.8% |
| 55–64 | 52 | 44 | 2.2% |
Where Hamilton Mortgage lends
6 states and 75 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alabama | 394 | 313 | 0.8% | 6.25% | #101 |
| Texas | 71 | 64 | 1.4% | 6.13% | #632 |
| Mississippi | 29 | 18 | 13.8% | 6.69% | #206 |
| Arkansas | 9 | 8 | 0.0% | 6.25% | #348 |
Frequently asked questions
Hamilton Mortgage denied 1.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 89th percentile of small mortgage lenders.
The most common reason Hamilton Mortgage gave in 2025 was "debt-to-income ratio", cited on 62.5% 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 Hamilton Mortgage originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.35 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 88% of its applications were for home purchases, 12% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 41% conventional, 42% FHA, 5% 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.