Mortgage Markets Cuso 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 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%
85th2.7% deniedPricingmedian rate spread over APOR, weight 30%
93rd-0.29 ptsProcesswithdrawn + incomplete share, weight 15%
34th15.4%Closing coststotal loan costs ÷ loan amount, weight 10%
62nd1.62% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 114 | 72 | 6.1% | 8.9% | 6.75% | $19M |
| 2024 | 147 | 124 | 2.0% | 2.3% | 6.50% | $33M |
| 2025 | 130 | 106 | 2.3% | 2.7% | 5.99% | $37M |
What Mortgage Markets Cuso 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, 2 investment properties.
Why Mortgage Markets Cuso denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Mortgage Markets Cuso
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 33 | 25 | 3.7% |
| $100k – $150k | 49 | 44 | 0.0% |
| $150k – $250k | 34 | 26 | 7.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 47 | 33 | 5.6% |
| 35–44 | 25 | 24 | 0.0% |
| 45–54 | 20 | 18 | 5.3% |
| 55–64 | 21 | 16 | 0.0% |
Where Mortgage Markets Cuso lends
6 states and 23 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Connecticut | 106 | 90 | 1.9% | 5.99% | #162 |
| Massachusetts | 12 | 9 | 8.3% | 6.00% | #446 |
| Rhode Island | 8 | 5 | 0.0% | 6.13% | #200 |
Frequently asked questions
Mortgage Markets Cuso denied 2.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 85th percentile of small mortgage lenders.
The most common reason Mortgage Markets Cuso gave in 2025 was "collateral", cited on 66.7% 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 Mortgage Markets Cuso originated in 2025 was 5.99%, and its median rate spread over the average prime offer rate was -0.29 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 71% of its applications were for home purchases, 29% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.