Mycumortgage at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
14th23.5% deniedPricingmedian rate spread over APOR, weight 30%
22nd0.65 ptsProcesswithdrawn + incomplete share, weight 15%
13th23.2%Closing coststotal loan costs ÷ loan amount, weight 10%
8th4.28% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 521 | 305 | 20.9% | 24.6% | 7.13% | $51M |
| 2024 | 548 | 372 | 15.7% | 17.7% | 6.75% | $65M |
| 2025 | 483 | 253 | 18.0% | 23.5% | 6.75% | $54M |
What Mycumortgage 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, 22 manufactured homes, 20 investment properties.
Why Mycumortgage denies applications
Primary reason reported for each of the 87 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Mycumortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 42 | 29 | 29.3% |
| $50k – $100k | 151 | 137 | 8.1% |
| $100k – $150k | 67 | 60 | 7.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 45 | 30 | 13.2% |
| 25–34 | 125 | 82 | 11.0% |
| 35–44 | 98 | 53 | 23.1% |
| 45–54 | 86 | 41 | 24.6% |
| 55–64 | 84 | 34 | 38.5% |
| 65–74 | 37 | 10 | 43.5% |
Where Mycumortgage lends
22 states and 187 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 195 | 119 | 16.9% | 6.75% | #243 |
| Indiana | 59 | 24 | 20.3% | 6.25% | #334 |
| Kentucky | 31 | 25 | 9.7% | 6.75% | #306 |
| California | 29 | 14 | 13.8% | 6.38% | #598 |
| Virginia | 22 | 13 | 18.2% | 6.75% | #481 |
| Michigan | 20 | 14 | 5.0% | 6.56% | #439 |
| New Mexico | 19 | 2 | 21.1% | 6.25% | #207 |
| West Virginia | 18 | 6 | 22.2% | 6.75% | #207 |
| North Carolina | 17 | 4 | 35.3% | 6.50% | #547 |
| Florida | 15 | 8 | 13.3% | 6.25% | #825 |
| South Carolina | 13 | 4 | 46.2% | 6.75% | #509 |
| Tennessee | 10 | 1 | 20.0% | 6.75% | #630 |
| Louisiana | 9 | 7 | 0.0% | 6.25% | #386 |
| Illinois | 7 | 5 | 0.0% | 6.75% | #732 |
| Texas | 7 | 1 | 28.6% | 6.75% | #1,018 |
Frequently asked questions
Mycumortgage denied 23.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 14th percentile of small mortgage lenders.
The most common reason Mycumortgage gave in 2025 was "credit history", cited on 43.7% 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 Mycumortgage originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.65 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 67% of its applications were for home purchases, 33% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 49% conventional, 47% FHA, 3% 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.