Stone Meadow Lending 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%
77th4.3% deniedPricingmedian rate spread over APOR, weight 30%
96th-0.42 ptsProcesswithdrawn + incomplete share, weight 15%
37th14.6%Closing coststotal loan costs ÷ loan amount, weight 10%
16th3.19% of loanTrend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 440 | 327 | 4.6% | 5.7% | 6.13% | $86M |
| 2025 | 466 | 381 | 3.7% | 4.3% | 5.75% | $119M |
What Stone Meadow Lending 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, 1 investment properties.
Why Stone Meadow Lending 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 Stone Meadow Lending
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 185 | 148 | 5.7% |
| $100k – $150k | 164 | 137 | 3.5% |
| $150k – $250k | 98 | 82 | 2.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 26 | 17 | 15.0% |
| 25–34 | 170 | 149 | 4.5% |
| 35–44 | 124 | 102 | 2.9% |
| 45–54 | 70 | 56 | 3.5% |
| 55–64 | 48 | 35 | 5.4% |
| 65–74 | 22 | 19 | 0.0% |
Where Stone Meadow Lending lends
1 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 466 | 381 | 3.7% | 5.75% | #273 |
Frequently asked questions
Stone Meadow Lending denied 4.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 77th percentile of small mortgage lenders.
The most common reason Stone Meadow Lending 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 Stone Meadow Lending originated in 2025 was 5.75%, and its median rate spread over the average prime offer rate was -0.42 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: 23% conventional, 62% FHA, 14% 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.