Superior Financial Solutions at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
72nd5.1% deniedPricingmedian rate spread over APOR, weight 30%
41st0.34 ptsProcesswithdrawn + incomplete share, weight 15%
0th52.3%Closing coststotal loan costs ÷ loan amount, weight 10%
51st1.88% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 169 | 95 | 5.3% | 8.7% | 6.75% | $17M |
| 2024 | 170 | 72 | 3.5% | 7.7% | 6.88% | $13M |
| 2025 | 327 | 121 | 2.5% | 5.1% | 6.50% | $24M |
What Superior Financial Solutions 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, 4 manufactured homes, 16 investment properties.
Why Superior Financial Solutions 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 Superior Financial Solutions
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 65 | 17 | 11.1% |
| $50k – $100k | 157 | 65 | 6.0% |
| $100k – $150k | 59 | 22 | 0.0% |
| $150k – $250k | 31 | 12 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 47 | 19 | 8.3% |
| 25–34 | 110 | 57 | 1.5% |
| 35–44 | 80 | 19 | 10.7% |
| 45–54 | 39 | 12 | 0.0% |
| 55–64 | 28 | 5 | 0.0% |
Where Superior Financial Solutions lends
7 states and 30 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 312 | 118 | 2.6% | 6.50% | #185 |
Frequently asked questions
Superior Financial Solutions denied 5.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 72nd percentile of small mortgage lenders.
The most common reason Superior Financial Solutions gave in 2025 was "credit history", 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 Superior Financial Solutions originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.34 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 87% of its applications were for home purchases, 13% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 78% conventional, 17% 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.