Metroplex Mortgage Services 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%
76th4.5% deniedPricingmedian rate spread over APOR, weight 30%
39th0.36 ptsProcesswithdrawn + incomplete share, weight 15%
37th14.6%Closing coststotal loan costs ÷ loan amount, weight 10%
11th3.63% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 232 | 184 | 3.9% | 4.7% | 6.75% | $43M |
| 2024 | 270 | 202 | 4.8% | 6.1% | 6.63% | $49M |
| 2025 | 261 | 213 | 3.8% | 4.5% | 6.63% | $52M |
What Metroplex Mortgage Services 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, 37 manufactured homes, 9 investment properties.
Why Metroplex Mortgage Services denies applications
Primary reason reported for each of the 10 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Metroplex Mortgage Services
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 23 | 19 | 0.0% |
| $50k – $100k | 160 | 130 | 4.4% |
| $100k – $150k | 52 | 42 | 4.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 58 | 49 | 2.0% |
| 35–44 | 52 | 42 | 2.3% |
| 45–54 | 40 | 33 | 2.9% |
| 55–64 | 43 | 33 | 10.8% |
| 65–74 | 36 | 28 | 9.7% |
Where Metroplex Mortgage Services lends
4 states and 39 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 254 | 207 | 3.9% | 6.63% | #337 |
Frequently asked questions
Metroplex Mortgage Services denied 4.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 76th percentile of small mortgage lenders.
The most common reason Metroplex Mortgage Services gave in 2025 was "other", cited on 40.0% 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 Metroplex Mortgage Services originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.36 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 75% of its applications were for home purchases, 25% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 32% conventional, 13% FHA, 21% 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.