The Money House at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
44th12.2% deniedPricingmedian rate spread over APOR, weight 30%
95th-0.27 ptsProcesswithdrawn + incomplete share, weight 15%
76th11.5%Closing coststotal loan costs ÷ loan amount, weight 10%
2nd5.98% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,394 | 1,085 | 12.8% | 14.1% | 6.75% | $164M |
| 2024 | 1,595 | 1,219 | 12.9% | 14.4% | 6.50% | $177M |
| 2025 | 1,608 | 1,250 | 10.8% | 12.2% | 6.00% | $199M |
What The Money House 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: 6 home-equity lines, 6 reverse mortgages, 0 manufactured homes, 61 investment properties.
Why The Money House denies applications
Primary reason reported for each of the 173 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at The Money House
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 809 | 635 | 11.2% |
| $50k – $100k | 508 | 392 | 13.5% |
| $100k – $150k | 168 | 129 | 12.8% |
| $150k – $250k | 79 | 60 | 11.8% |
| Over $250k | 40 | 32 | 8.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 77 | 64 | 8.6% |
| 25–34 | 625 | 497 | 12.8% |
| 35–44 | 417 | 328 | 12.8% |
| 45–54 | 255 | 196 | 10.1% |
| 55–64 | 150 | 107 | 9.3% |
| 65–74 | 57 | 41 | 16.3% |
| Over 74 | 27 | 17 | 22.7% |
Where The Money House lends
3 states and 76 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Puerto Rico | 1,602 | 1,249 | 10.8% | 6.00% | #4 |
Frequently asked questions
The Money House denied 12.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 44th percentile of mid-size mortgage lenders.
The most common reason The Money House gave in 2025 was "collateral", cited on 63.0% 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 Money House originated in 2025 was 6.00%, and its median rate spread over the average prime offer rate was -0.27 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 95% of its applications were for home purchases, 4% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 24% conventional, 62% FHA, 6% 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.