Lender profile · HMDA 2023–2025
Optionwide Financial Corporation mortgage approval rates & lending data
Optionwide Financial Corporation decided 593 mortgage applications and funded 322 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 | 94% | 273 / 290 | 70% | $485K | 192 |
| Cash-out refinance | 83% | 86 / 104 | 58% | $405K | 50 |
| Refinance | 79% | 44 / 56 | 39% | $335K | 17 |
| Investment property purchase | 90% | 66 / 73 | 62% | $375K | 41 |
| Investment cash-out refinance | 76% | 35 / 46 | 43% | $525K | 15 |
Optionwide Financial Corporation lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 88% | $955K | 324 | 177 |
| Florida | 80% | $425K | 69 | 27 |
| Texas | 91% | $345K | 65 | 38 |
| Georgia | 94% | $305K | 32 | 22 |
| Arizona | 100% | $265K | 19 | 12 |
| Colorado | 89% | $695K | 18 | 10 |
| South Carolina | 100% | $285K | 11 | 8 |
| Illinois | 78% | $225K | 9 | 2 |
| Tennessee | 100% | $355K | 8 | 4 |
| Washington | 100% | $445K | 7 | 7 |
| Oklahoma | 83% | $325K | 6 | 2 |
| Ohio | 100% | $265K | 5 | 5 |
| Pennsylvania | 75% | — | 4 | 0 |
| North Carolina | 100% | $245K | 3 | 2 |
| Oregon | 67% | $525K | 3 | 1 |
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.