Mortgage Solutions at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
26th16.8% deniedPricingmedian rate spread over APOR, weight 30%
71st0.11 ptsProcesswithdrawn + incomplete share, weight 15%
1st45.1%Closing coststotal loan costs ÷ loan amount, weight 10%
58th1.73% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 262 | 78 | 11.8% | 24.6% | 6.88% | $15M |
| 2024 | 194 | 98 | 14.4% | 21.5% | 6.50% | $18M |
| 2025 | 184 | 81 | 9.2% | 16.8% | 6.50% | $18M |
What Mortgage Solutions 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, 1 manufactured homes, 23 investment properties.
Why Mortgage Solutions denies applications
Primary reason reported for each of the 17 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Mortgage Solutions
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 77 | 33 | 16.7% |
| $100k – $150k | 43 | 22 | 8.3% |
| $150k – $250k | 31 | 17 | 15.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 53 | 24 | 11.1% |
| 35–44 | 36 | 12 | 33.3% |
| 45–54 | 34 | 16 | 5.9% |
| 55–64 | 36 | 16 | 27.3% |
Where Mortgage Solutions lends
5 states and 33 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Mortgage Solutions denied 16.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 26th percentile of small mortgage lenders.
The most common reason Mortgage Solutions gave in 2025 was "debt-to-income ratio", cited on 41.2% 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 Solutions originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 73% of its applications were for home purchases, 27% 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.