Telhio at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
16th23.7% deniedPricingmedian rate spread over APOR, weight 30%
6th0.91 ptsProcesswithdrawn + incomplete share, weight 15%
37th19.5%Closing coststotal loan costs ÷ loan amount, weight 10%
20th3.19% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,257 | 784 | 18.3% | 20.9% | 8.50% | $96M |
| 2024 | 1,183 | 699 | 17.7% | 20.6% | 8.65% | $113M |
| 2025 | 1,297 | 719 | 19.0% | 23.7% | 7.75% | $114M |
What Telhio 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: 582 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 37 investment properties.
Why Telhio denies applications
Primary reason reported for each of the 247 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Telhio
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 147 | 49 | 44.6% |
| $50k – $100k | 434 | 235 | 26.1% |
| $100k – $150k | 298 | 176 | 20.1% |
| $150k – $250k | 269 | 162 | 16.4% |
| Over $250k | 124 | 80 | 15.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 132 | 82 | 16.2% |
| 35–44 | 269 | 151 | 23.0% |
| 45–54 | 379 | 223 | 20.7% |
| 55–64 | 275 | 139 | 28.4% |
| 65–74 | 146 | 78 | 26.3% |
| Over 74 | 78 | 34 | 34.5% |
Where Telhio lends
7 states and 60 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Telhio denied 23.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 16th percentile of mid-size mortgage lenders.
The most common reason Telhio gave in 2025 was "debt-to-income ratio", cited on 42.5% 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 Telhio originated in 2025 was 7.75%, and its median rate spread over the average prime offer rate was 0.91 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 16% of its applications were for home purchases, 25% for refinancing (including cash-out), and 59% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.