Stonewood Home 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%
91st1.7% deniedPricingmedian rate spread over APOR, weight 30%
87th-0.09 ptsProcesswithdrawn + incomplete share, weight 15%
29th16.8%Closing coststotal loan costs ÷ loan amount, weight 10%
7th4.37% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 324 | 232 | 4.6% | 6.0% | 6.38% | $62M |
| 2024 | 389 | 303 | 1.3% | 1.6% | 5.88% | $84M |
| 2025 | 552 | 451 | 1.5% | 1.7% | 5.75% | $126M |
What Stonewood Home 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, 1 manufactured homes, 7 investment properties.
Why Stonewood Home Lending denies applications
Primary reason reported for each of the 8 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Stonewood Home Lending
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 257 | 211 | 1.4% |
| $100k – $150k | 182 | 143 | 0.7% |
| $150k – $250k | 80 | 71 | 1.4% |
| Over $250k | 20 | 15 | 11.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 34 | 27 | 0.0% |
| 25–34 | 199 | 169 | 1.7% |
| 35–44 | 137 | 110 | 3.5% |
| 45–54 | 93 | 78 | 0.0% |
| 55–64 | 54 | 44 | 0.0% |
| 65–74 | 26 | 19 | 5.0% |
Where Stonewood Home Lending lends
1 states and 9 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 552 | 451 | 1.5% | 5.75% | #247 |
Frequently asked questions
Stonewood Home Lending denied 1.7% 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 Stonewood Home Lending gave in 2025 was "debt-to-income ratio", cited on 87.5% 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 Stonewood Home Lending originated in 2025 was 5.75%, and its median rate spread over the average prime offer rate was -0.09 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: 21% conventional, 70% FHA, 10% 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.