Homeservices Lending 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%
83rd3.2% deniedPricingmedian rate spread over APOR, weight 30%
63rd0.17 ptsProcesswithdrawn + incomplete share, weight 15%
41st13.6%Closing coststotal loan costs ÷ loan amount, weight 10%
38th2.23% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 794 | 649 | 4.3% | 5.0% | 6.63% | $138M |
| 2024 | 745 | 614 | 4.3% | 5.0% | 6.63% | $132M |
| 2025 | 645 | 539 | 2.8% | 3.2% | 6.50% | $124M |
What Homeservices Lending 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, 5 manufactured homes, 8 investment properties.
Why Homeservices Lending denies applications
Primary reason reported for each of the 18 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Homeservices Lending
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 69 | 58 | 4.9% |
| $50k – $100k | 287 | 239 | 4.0% |
| $100k – $150k | 161 | 139 | 0.7% |
| $150k – $250k | 90 | 77 | 2.5% |
| Over $250k | 23 | 20 | 4.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 83 | 71 | 2.7% |
| 25–34 | 217 | 184 | 0.5% |
| 35–44 | 148 | 125 | 5.3% |
| 45–54 | 105 | 83 | 6.7% |
| 55–64 | 54 | 43 | 2.3% |
| 65–74 | 24 | 21 | 4.6% |
Where Homeservices Lending lends
2 states and 45 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Homeservices Lending denied 3.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 83rd percentile of small mortgage lenders.
The most common reason Homeservices Lending gave in 2025 was "debt-to-income ratio", cited on 38.9% 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 Homeservices Lending originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.17 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 85% of its applications were for home purchases, 14% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 73% conventional, 16% FHA, 10% 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.