Lender profile · HMDA 2023–2025
21St Mortgage Corporation mortgage approval rates & lending data
21St Mortgage Corporation decided 173,320 mortgage applications and funded 43,906 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 26% | 41,717 / 160,465 | 95% | $95K | 39,661 |
| Home improvement loans | 18% | 198 / 1,095 | 96% | $55K | 190 |
| Cash-out refinance | 17% | 187 / 1,086 | 97% | $85K | 182 |
| Refinance | 18% | 303 / 1,708 | 92% | $65K | 280 |
| Investment property purchase | 46% | 3,951 / 8,647 | 89% | $75K | 3,513 |
| Investment cash-out refinance | 9% | 5 / 58 | 60% | $85K | 3 |
| Investment refinance | 40% | 76 / 188 | 91% | $75K | 69 |
| Investment home improvement | 11% | 8 / 73 | 100% | $55K | 8 |
21St Mortgage Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 24% | $105K | 39,595 | 8,956 |
| Florida | 27% | $95K | 17,310 | 4,325 |
| California | 29% | $155K | 14,620 | 4,160 |
| Michigan | 35% | $55K | 13,811 | 4,698 |
| South Carolina | 27% | $105K | 7,930 | 1,977 |
| North Carolina | 25% | $95K | 6,496 | 1,506 |
| Louisiana | 26% | $95K | 5,439 | 1,263 |
| Colorado | 18% | $105K | 5,043 | 903 |
| Arizona | 34% | $85K | 4,893 | 1,557 |
| Pennsylvania | 25% | $65K | 4,292 | 1,033 |
| Alabama | 31% | $115K | 4,265 | 1,233 |
| Ohio | 30% | $55K | 3,876 | 1,120 |
| New Mexico | 27% | $105K | 3,851 | 960 |
| Georgia | 22% | $65K | 3,720 | 769 |
| Indiana | 28% | $55K | 3,296 | 878 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.