Homeamerican Mortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
53rd9.5% deniedPricingmedian rate spread over APOR, weight 30%
99th-1.67 ptsProcesswithdrawn + incomplete share, weight 15%
82nd9.9%Closing coststotal loan costs ÷ loan amount, weight 10%
85th1.36% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 8,225 | 5,430 | 13.0% | 15.8% | 5.63% | $2.4B |
| 2024 | 9,420 | 7,317 | 8.8% | 9.9% | 5.38% | $3.4B |
| 2025 | 6,819 | 5,353 | 8.5% | 9.5% | 4.50% | $2.7B |
What Homeamerican 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, 0 manufactured homes, 185 investment properties.
Why Homeamerican Mortgage denies applications
Primary reason reported for each of the 582 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Homeamerican Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 101 | 27 | 67.8% |
| $50k – $100k | 1,580 | 1,194 | 14.3% |
| $100k – $150k | 2,390 | 1,908 | 7.4% |
| $150k – $250k | 2,096 | 1,706 | 6.1% |
| Over $250k | 635 | 518 | 4.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 302 | 251 | 8.2% |
| 25–34 | 2,138 | 1,771 | 7.7% |
| 35–44 | 1,875 | 1,442 | 10.8% |
| 45–54 | 1,259 | 953 | 11.2% |
| 55–64 | 794 | 621 | 9.9% |
| 65–74 | 334 | 239 | 7.2% |
| Over 74 | 117 | 76 | 10.0% |
Where Homeamerican Mortgage lends
15 states and 91 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Colorado | 1,422 | 1,121 | 8.3% | 4.50% | #43 |
| Arizona | 1,197 | 971 | 6.7% | 4.50% | #59 |
| California | 1,044 | 865 | 5.8% | 4.88% | #168 |
| Florida | 815 | 614 | 15.1% | 4.63% | #177 |
| Nevada | 482 | 376 | 8.1% | 4.50% | #56 |
| Utah | 399 | 300 | 7.3% | 4.63% | #67 |
| Washington | 381 | 299 | 8.9% | 5.00% | #124 |
| Virginia | 289 | 210 | 8.0% | 5.00% | #167 |
| Idaho | 181 | 147 | 7.2% | 5.00% | #88 |
| Tennessee | 152 | 115 | 7.2% | 4.50% | #253 |
| New Mexico | 141 | 101 | 10.6% | 4.50% | #92 |
| Texas | 131 | 104 | 6.1% | 5.00% | #501 |
| Maryland | 83 | 53 | 15.7% | 5.38% | #258 |
| Alabama | 52 | 37 | 17.3% | 4.63% | #303 |
| Oregon | 50 | 40 | 12.0% | 4.50% | #224 |
Frequently asked questions
Homeamerican Mortgage denied 9.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 53rd percentile of mid-size mortgage lenders.
The most common reason Homeamerican Mortgage gave in 2025 was "credit history", cited on 78.2% 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 Homeamerican Mortgage originated in 2025 was 4.50%, and its median rate spread over the average prime offer rate was -1.67 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 100% of its applications were for home purchases, 0% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 48% conventional, 34% FHA, 18% 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.