Home Financing Unlimited 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%
58th7.9% deniedPricingmedian rate spread over APOR, weight 30%
97th-0.53 ptsProcesswithdrawn + incomplete share, weight 15%
12th24.0%Closing coststotal loan costs ÷ loan amount, weight 10%
47th2.00% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 527 | 346 | 2.5% | 3.6% | 5.88% | $139M |
| 2024 | 489 | 467 | 0.0% | 0.0% | 5.88% | $189M |
| 2025 | 400 | 280 | 6.0% | 7.9% | 5.88% | $124M |
What Home Financing Unlimited 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, 26 investment properties.
Why Home Financing Unlimited denies applications
Primary reason reported for each of the 24 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Home Financing Unlimited
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 80 | 49 | 14.0% |
| $100k – $150k | 97 | 73 | 4.0% |
| $150k – $250k | 125 | 89 | 5.3% |
| Over $250k | 80 | 60 | 3.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 140 | 102 | 7.3% |
| 35–44 | 120 | 83 | 8.8% |
| 45–54 | 62 | 41 | 6.8% |
| 55–64 | 48 | 31 | 8.8% |
Where Home Financing Unlimited lends
1 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 400 | 280 | 6.0% | 5.88% | #296 |
Frequently asked questions
Home Financing Unlimited denied 7.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 58th percentile of small mortgage lenders.
The most common reason Home Financing Unlimited gave in 2025 was "debt-to-income ratio", cited on 66.7% 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 Home Financing Unlimited originated in 2025 was 5.88%, and its median rate spread over the average prime offer rate was -0.53 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 98% of its applications were for home purchases, 2% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 73% conventional, 19% FHA, 7% 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.