The Fountain Trust 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%
13th23.8% deniedProcesswithdrawn + incomplete share, weight 15%
85th3.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 325 | 187 | 25.9% | 26.3% | 7.16% | $36M |
| 2024 | 292 | 192 | 20.9% | 21.0% | — | $36M |
| 2025 | 282 | 162 | 23.1% | 23.8% | — | $34M |
What The Fountain Trust 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, 13 manufactured homes, 122 investment properties.
Who gets approved at The Fountain Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 32 | 10 | 43.8% |
| $50k – $100k | 84 | 44 | 34.6% |
| $100k – $150k | 33 | 17 | 31.3% |
| $150k – $250k | 47 | 30 | 8.7% |
| Over $250k | 35 | 22 | 18.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 40 | 24 | 20.5% |
| 35–44 | 60 | 30 | 28.6% |
| 45–54 | 49 | 27 | 30.6% |
| 55–64 | 42 | 22 | 33.3% |
| 65–74 | 25 | 10 | 21.7% |
Where The Fountain Trust lends
3 states and 29 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Indiana | 277 | 160 | 23.1% | — | #168 |
Frequently asked questions
The Fountain Trust denied 23.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 13th percentile of small mortgage lenders.
In 2025, 61% of its applications were for home purchases, 26% for refinancing (including cash-out), and 13% 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.