The Family at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
10th26.9% deniedProcesswithdrawn + incomplete share, weight 15%
23rd18.6%Closing coststotal loan costs ÷ loan amount, weight 10%
96th0.39% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 226 | 173 | 14.6% | 15.7% | 7.38% | $13M |
| 2024 | 241 | 171 | 14.9% | 17.4% | 7.99% | $13M |
| 2025 | 237 | 141 | 21.9% | 26.9% | 7.49% | $12M |
What The Family 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, 6 investment properties.
Why The Family denies applications
Primary reason reported for each of the 52 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at The Family
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 55 | 32 | 34.7% |
| $50k – $100k | 94 | 53 | 27.4% |
| $100k – $150k | 47 | 32 | 22.0% |
| $150k – $250k | 33 | 18 | 21.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 25 | 15 | 28.6% |
| 35–44 | 42 | 23 | 30.3% |
| 45–54 | 65 | 36 | 33.3% |
| 55–64 | 61 | 38 | 22.5% |
| 65–74 | 33 | 22 | 18.5% |
Where The Family lends
7 states and 24 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
The Family denied 26.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 10th percentile of small mortgage lenders.
The most common reason The Family gave in 2025 was "debt-to-income ratio", cited on 55.8% 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 The Family originated in 2025 was 7.49%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 17% of its applications were for home purchases, 8% for refinancing (including cash-out), and 75% 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.