Homesale 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%
73rd5.0% deniedPricingmedian rate spread over APOR, weight 30%
33rd0.43 ptsProcesswithdrawn + incomplete share, weight 15%
71st7.1%Closing coststotal loan costs ÷ loan amount, weight 10%
45th2.03% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 559 | 489 | 2.7% | 2.9% | 6.88% | $117M |
| 2024 | 607 | 527 | 4.6% | 5.0% | 6.88% | $137M |
| 2025 | 619 | 544 | 4.7% | 5.0% | 6.75% | $151M |
What Homesale 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, 4 manufactured homes, 26 investment properties.
Why Homesale Mortgage denies applications
Primary reason reported for each of the 29 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Homesale Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 32 | 11.1% |
| $50k – $100k | 262 | 233 | 4.9% |
| $100k – $150k | 173 | 153 | 3.8% |
| $150k – $250k | 122 | 109 | 2.7% |
| Over $250k | 21 | 17 | 15.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 59 | 54 | 3.6% |
| 25–34 | 203 | 181 | 3.7% |
| 35–44 | 157 | 138 | 4.8% |
| 45–54 | 96 | 80 | 8.9% |
| 55–64 | 69 | 61 | 4.7% |
| 65–74 | 24 | 23 | 4.2% |
Where Homesale Mortgage lends
6 states and 38 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 528 | 478 | 3.2% | 6.75% | #150 |
| Maryland | 86 | 63 | 14.0% | 6.75% | #254 |
Frequently asked questions
Homesale Mortgage denied 5.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 73rd percentile of small mortgage lenders.
The most common reason Homesale Mortgage gave in 2025 was "debt-to-income ratio", cited on 31.0% 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 Homesale Mortgage originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.43 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 95% of its applications were for home purchases, 4% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 76% conventional, 16% 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.