21St Mortgage Corporation mortgage approval rate & lending review
21St Mortgage Corporation decided 173,320 mortgage applications and funded 43,906 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions 21St Mortgage Corporation reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to 21stmortgage.com.
21St Mortgage Corporation at a glance
Approval is 60.4 points below the 87.2% national rate for the same mix of loan types.
Approval rates 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 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where 21St Mortgage Corporation lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Los Angeles County, CA | Mortgage lenders | 28% | 2,688 | 751 |
| Oakland County, MI | Mortgage lenders | 36% | 2,154 | 750 |
| Ector County, TX | Mortgage lenders | 24% | 3,044 | 684 |
| Macomb County, MI | Mortgage lenders | 36% | 1,797 | 635 |
| Bexar County, TX | Mortgage lenders | 23% | 2,981 | 625 |
| Wayne County, MI | Mortgage lenders | 33% | 1,749 | 553 |
| Riverside County, CA | Mortgage lenders | 26% | 2,101 | 536 |
| Duval County, FL | Mortgage lenders | 31% | 1,805 | 529 |
| Midland County, TX | Mortgage lenders | 26% | 2,089 | 517 |
| Montgomery County, TX | Mortgage lenders | 25% | 2,200 | 506 |
| San Diego County, CA | Mortgage lenders | 36% | 1,422 | 505 |
| Maricopa County, AZ | Mortgage lenders | 25% | 2,081 | 491 |
The county markets where 21St Mortgage Corporation made the most loans. Each link opens that market with every lender ranked.
Questions about 21St Mortgage Corporation
What is 21St Mortgage Corporation's mortgage approval rate?
21St Mortgage Corporation approved 26.8% of the 173,320 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 60.4 points below the 87.2% national rate for the same mix of loan types.
How often do borrowers take the loan 21St Mortgage Corporation offers?
Borrowers accepted 95% of the loans 21St Mortgage Corporation approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does 21St Mortgage Corporation make?
The typical home purchase mortgage loan 21St Mortgage Corporation made was $95K; across all loan types its typical loan ran from $55K to $95K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does 21St Mortgage Corporation lend?
21St Mortgage Corporation decided applications in 46 of the states Fat Boy Data covers, most of them in Texas, Florida and California.
Can I apply to 21St Mortgage Corporation directly?
Yes. 21St Mortgage Corporation reports as a direct lender that takes applications from borrowers. Its website is 21stmortgage.com.
Does this page show 21St Mortgage Corporation's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how 21St Mortgage Corporation treats applications, then get a rate quote from the lender.