Trailblazer Mortgage 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%
70th5.5% deniedPricingmedian rate spread over APOR, weight 30%
99th-1.45 ptsProcesswithdrawn + incomplete share, weight 15%
10th30.0%Closing coststotal loan costs ÷ loan amount, weight 10%
19th3.24% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,601 | 1,130 | 3.8% | 5.0% | 5.50% | $397M |
| 2024 | 1,989 | 1,387 | 4.1% | 5.5% | 4.99% | $498M |
| 2025 | 2,526 | 1,661 | 3.8% | 5.5% | 4.99% | $590M |
What Trailblazer Mortgage 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, 1 manufactured homes, 134 investment properties.
Why Trailblazer Mortgage denies applications
Primary reason reported for each of the 97 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Trailblazer Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 159 | 40 | 13.0% |
| $50k – $100k | 1,323 | 855 | 5.2% |
| $100k – $150k | 591 | 420 | 5.4% |
| $150k – $250k | 335 | 262 | 4.7% |
| Over $250k | 108 | 84 | 3.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 172 | 104 | 6.3% |
| 25–34 | 774 | 529 | 5.4% |
| 35–44 | 747 | 483 | 5.1% |
| 45–54 | 461 | 305 | 5.5% |
| 55–64 | 264 | 173 | 5.5% |
| 65–74 | 86 | 52 | 8.8% |
| Over 74 | 22 | 15 | 6.3% |
Where Trailblazer Mortgage lends
4 states and 37 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Trailblazer Mortgage denied 5.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 70th percentile of mid-size mortgage lenders.
The most common reason Trailblazer Mortgage gave in 2025 was "debt-to-income ratio", cited on 38.1% 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 Trailblazer Mortgage originated in 2025 was 4.99%, and its median rate spread over the average prime offer rate was -1.45 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 100% of its applications were for home purchases, 0% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 25% conventional, 66% FHA, 7% 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.