Your Home Financial 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%
57th8.1% deniedPricingmedian rate spread over APOR, weight 30%
36th0.39 ptsProcesswithdrawn + incomplete share, weight 15%
8th27.1%Closing coststotal loan costs ÷ loan amount, weight 10%
17th3.11% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 285 | 195 | 4.6% | 6.2% | 6.99% | $41M |
| 2024 | 378 | 265 | 4.5% | 6.0% | 6.99% | $60M |
| 2025 | 472 | 316 | 5.9% | 8.1% | 6.63% | $72M |
What Your Home Financial 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, 3 manufactured homes, 29 investment properties.
Why Your Home Financial denies applications
Primary reason reported for each of the 28 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Your Home Financial
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 55 | 29 | 23.7% |
| $50k – $100k | 240 | 169 | 5.1% |
| $100k – $150k | 91 | 60 | 7.7% |
| $150k – $250k | 47 | 33 | 8.3% |
| Over $250k | 22 | 16 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 48 | 33 | 13.2% |
| 25–34 | 164 | 123 | 4.7% |
| 35–44 | 106 | 68 | 10.5% |
| 45–54 | 63 | 39 | 11.4% |
| 55–64 | 52 | 31 | 8.8% |
| 65–74 | 33 | 19 | 5.0% |
Where Your Home Financial lends
2 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 |
|---|---|---|---|---|---|
| Ohio | 470 | 315 | 6.0% | 6.63% | #146 |
Frequently asked questions
Your Home Financial denied 8.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 57th percentile of small mortgage lenders.
The most common reason Your Home Financial gave in 2025 was "debt-to-income ratio", cited on 46.4% 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 Your Home Financial originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.39 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 83% of its applications were for home purchases, 17% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 77% conventional, 16% 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.