Hfg Holdings 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 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%
0th99.7% deniedProcesswithdrawn + incomplete share, weight 15%
0th73.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,661 | 0 | 27.3% | 100.0% | — | $0 |
| 2024 | 2,442 | 2 | 15.9% | 98.2% | 6.12% | $290k |
| 2025 | 1,434 | 0 | 27.0% | 99.7% | — | $0 |
What Hfg Holdings 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 manufactured homes, 35 investment properties.
Why Hfg Holdings denies applications
Primary reason reported for each of the 387 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Hfg Holdings
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 438 | 0 | 100.0% |
| $50k – $100k | 616 | 0 | 99.4% |
| $100k – $150k | 173 | 0 | 100.0% |
| $150k – $250k | 89 | 0 | 100.0% |
| Over $250k | 31 | 0 | 100.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 90 | 0 | 100.0% |
| 25–34 | 371 | 0 | 100.0% |
| 35–44 | 294 | 0 | 98.6% |
| 45–54 | 245 | 0 | 100.0% |
| 55–64 | 199 | 0 | 100.0% |
| 65–74 | 157 | 0 | 100.0% |
| Over 74 | 78 | 0 | 100.0% |
Where Hfg Holdings lends
9 states and 294 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Hfg Holdings denied 99.7% 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 small mortgage lenders.
The most common reason Hfg Holdings gave in 2025 was "credit history", cited on 47.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 59% of its applications were for home purchases, 41% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 57% conventional, 38% FHA, 4% 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.