Park Square Home Mortgage 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%
59th7.8% deniedPricingmedian rate spread over APOR, weight 30%
99th-0.98 ptsProcesswithdrawn + incomplete share, weight 15%
51st11.4%Closing coststotal loan costs ÷ loan amount, weight 10%
18th3.07% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 382 | 281 | 7.9% | 9.4% | 5.75% | $102M |
| 2024 | 284 | 236 | 3.5% | 4.0% | 5.25% | $93M |
| 2025 | 246 | 201 | 6.9% | 7.8% | 4.99% | $72M |
What Park Square Home Mortgage 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, 9 investment properties.
Why Park Square Home Mortgage 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 Park Square Home Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 104 | 91 | 9.0% |
| $100k – $150k | 68 | 61 | 3.2% |
| $150k – $250k | 46 | 33 | 5.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 54 | 51 | 3.8% |
| 35–44 | 59 | 48 | 11.1% |
| 45–54 | 56 | 43 | 8.5% |
| 55–64 | 35 | 26 | 16.1% |
| 65–74 | 21 | 13 | 0.0% |
Where Park Square Home Mortgage lends
1 states and 10 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 246 | 201 | 6.9% | 4.99% | #343 |
Frequently asked questions
Park Square Home Mortgage denied 7.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 59th percentile of small mortgage lenders.
The most common reason Park Square Home Mortgage gave in 2025 was "debt-to-income ratio", cited on 29.4% 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 Park Square Home Mortgage originated in 2025 was 4.99%, and its median rate spread over the average prime offer rate was -0.98 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 100% of its applications were for home purchases, 0% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 39% conventional, 48% FHA, 13% 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.