Loanleaders of America 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%
95th0.9% deniedPricingmedian rate spread over APOR, weight 30%
37th0.38 ptsProcesswithdrawn + incomplete share, weight 15%
3rd34.1%Closing coststotal loan costs ÷ loan amount, weight 10%
5th4.92% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 243 | 169 | 6.6% | 8.6% | 6.13% | $51M |
| 2024 | 174 | 125 | 1.2% | 1.6% | 6.25% | $43M |
| 2025 | 179 | 117 | 0.6% | 0.9% | 6.25% | $39M |
What Loanleaders of America 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, 6 manufactured homes, 4 investment properties.
Why Loanleaders of America denies applications
Primary reason reported for each of the 1 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Loanleaders of America
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 24 | 11 | 8.3% |
| $50k – $100k | 74 | 47 | 0.0% |
| $100k – $150k | 46 | 33 | 0.0% |
| $150k – $250k | 25 | 18 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 32 | 23 | 0.0% |
| 45–54 | 37 | 24 | 0.0% |
| 55–64 | 39 | 29 | 3.3% |
| 65–74 | 37 | 24 | 0.0% |
Where Loanleaders of America lends
14 states and 115 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 41 | 24 | 0.0% | 6.19% | #469 |
| California | 26 | 19 | 3.9% | 6.25% | #611 |
| Florida | 19 | 11 | 0.0% | 6.63% | #762 |
| Texas | 17 | 11 | 0.0% | 6.38% | #884 |
| Maryland | 13 | 8 | 0.0% | 6.63% | #447 |
| Pennsylvania | 13 | 11 | 0.0% | 5.75% | #652 |
| Virginia | 11 | 7 | 0.0% | 5.75% | #552 |
| Washington | 11 | 9 | 0.0% | 6.75% | #452 |
| North Carolina | 10 | 4 | 0.0% | 5.93% | #625 |
| New Jersey | 7 | 3 | 0.0% | 5.99% | #560 |
| South Carolina | 5 | 4 | 0.0% | 6.63% | #634 |
Frequently asked questions
Loanleaders of America denied 0.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 95th percentile of small mortgage lenders.
The most common reason Loanleaders of America gave in 2025 was "debt-to-income ratio", cited on 100.0% 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 Loanleaders of America originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.38 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 25% of its applications were for home purchases, 70% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 31% conventional, 61% 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.