Traditional Mortgage Acceptance 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 8 reverse-mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
43rd12.3% deniedProcesswithdrawn + incomplete share, weight 15%
71st11.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 816 | 628 | 10.7% | 12.0% | 7.42% | $170M |
| 2024 | 1,633 | 1,275 | 11.6% | 12.7% | 6.74% | $353M |
| 2025 | 1,795 | 1,369 | 10.9% | 12.3% | 6.00% | $338M |
What Traditional Mortgage Acceptance 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: 1,778 home-equity lines, 1,795 reverse mortgages, 105 manufactured homes, 0 investment properties.
Why Traditional Mortgage Acceptance denies applications
Primary reason reported for each of the 196 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Traditional Mortgage Acceptance
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 1,516 | 1,149 | 12.4% |
| $50k – $100k | 250 | 199 | 10.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 55–64 | 92 | 56 | 26.6% |
| 65–74 | 635 | 493 | 12.1% |
| Over 74 | 1,068 | 820 | 11.3% |
Where Traditional Mortgage Acceptance lends
42 states and 575 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 420 | 317 | 11.7% | 6.00% | #282 |
| Florida | 156 | 98 | 19.9% | 6.00% | #412 |
| Texas | 151 | 110 | 11.9% | 6.00% | #473 |
| Washington | 93 | 72 | 9.7% | 6.00% | #243 |
| Arizona | 87 | 68 | 14.9% | 5.88% | #259 |
| Utah | 67 | 60 | 4.5% | 5.88% | #150 |
| Georgia | 65 | 53 | 6.2% | 5.75% | #407 |
| Colorado | 62 | 50 | 9.7% | 6.25% | #276 |
| Pennsylvania | 61 | 42 | 11.5% | 5.88% | #455 |
| Tennessee | 61 | 45 | 9.8% | 5.63% | #382 |
| South Carolina | 60 | 53 | 1.7% | 5.88% | #323 |
| Michigan | 54 | 43 | 5.6% | 5.75% | #341 |
| Oregon | 51 | 46 | 3.9% | 6.13% | #222 |
| Idaho | 40 | 32 | 5.0% | 5.88% | #182 |
| Ohio | 36 | 28 | 13.9% | 6.00% | #451 |
| Indiana | 34 | 27 | 8.8% | 5.88% | #396 |
| Virginia | 27 | 21 | 7.4% | 5.88% | #455 |
| Alabama | 25 | 16 | 16.0% | 6.13% | #374 |
| Connecticut | 24 | 17 | 8.3% | 5.75% | #278 |
| New Hampshire | 19 | 16 | 10.5% | 5.69% | #196 |
| Maine | 18 | 12 | 27.8% | 6.00% | #179 |
| Arkansas | 16 | 14 | 0.0% | 5.81% | #300 |
| Montana | 16 | 12 | 6.3% | 5.69% | #149 |
| New Jersey | 16 | 16 | 0.0% | 6.31% | #480 |
| Oklahoma | 16 | 14 | 6.3% | 6.00% | #350 |
| Louisiana | 14 | 12 | 7.1% | 6.13% | #345 |
| Nevada | 14 | 8 | 21.4% | 6.19% | #292 |
| Minnesota | 12 | 9 | 16.7% | 6.00% | #439 |
| Kansas | 11 | 11 | 0.0% | 5.88% | #347 |
| Kentucky | 11 | 9 | 9.1% | 5.63% | #401 |
| Delaware | 10 | 6 | 10.0% | 5.69% | #234 |
| Maryland | 9 | 5 | 33.3% | 5.75% | #485 |
| New Mexico | 8 | 7 | 0.0% | 5.50% | #277 |
| North Carolina | 7 | 5 | 0.0% | 6.00% | #679 |
| Iowa | 6 | 3 | 33.3% | 5.88% | #396 |
| Illinois | 5 | 4 | 20.0% | 6.50% | #761 |
Frequently asked questions
Traditional Mortgage Acceptance denied 12.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 43rd percentile of reverse-mortgage lenders.
The most common reason Traditional Mortgage Acceptance gave in 2025 was "unverifiable information", cited on 41.8% 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 Traditional Mortgage Acceptance originated in 2025 was 6.00%, 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, 3% of its applications were for home purchases, 87% for refinancing (including cash-out), and 11% for home improvement or other purposes. By loan type: 2% conventional, 98% 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.