Security Home Mortgage, LLC. 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%
91st1.6% deniedPricingmedian rate spread over APOR, weight 30%
57th0.21 ptsProcesswithdrawn + incomplete share, weight 15%
62nd9.2%Closing coststotal loan costs ÷ loan amount, weight 10%
43rd2.09% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,176 | 619 | 2.0% | 3.5% | 6.63% | $250M |
| 2024 | 647 | 563 | 1.2% | 1.4% | 6.63% | $216M |
| 2025 | 688 | 599 | 1.5% | 1.6% | 6.50% | $263M |
What Security Home Mortgage, LLC. 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: 11 home-equity lines, 12 reverse mortgages, 3 manufactured homes, 78 investment properties.
Why Security Home Mortgage, LLC. 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 Security Home Mortgage, LLC.
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 25 | 0.0% |
| $50k – $100k | 165 | 147 | 0.7% |
| $100k – $150k | 218 | 187 | 1.0% |
| $150k – $250k | 172 | 151 | 2.5% |
| Over $250k | 86 | 74 | 2.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 56 | 51 | 0.0% |
| 25–34 | 220 | 190 | 0.5% |
| 35–44 | 165 | 142 | 2.6% |
| 45–54 | 132 | 117 | 3.3% |
| 55–64 | 60 | 51 | 1.9% |
| 65–74 | 35 | 30 | 0.0% |
| Over 74 | 20 | 18 | 0.0% |
Where Security Home Mortgage, LLC. lends
7 states and 41 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Security Home Mortgage, LLC. denied 1.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 91st percentile of small mortgage lenders.
The most common reason Security Home Mortgage, LLC. gave in 2025 was "debt-to-income ratio", 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 Security Home Mortgage, LLC. originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.21 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 81% of its applications were for home purchases, 19% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 74% conventional, 22% FHA, 4% 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.