Catalyst Mortgage mortgage approval rate & lending review
Catalyst Mortgage decided 420 mortgage applications and funded 328 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Catalyst Mortgage reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to catalystmortgage.com.
Catalyst Mortgage at a glance
Approval is 14.9 points above the 73.0% 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 | 94% | 66 / 70 | 100% | $475K | 66 |
| Home improvement loans | 92% | 106 / 115 | 89% | $425K | 94 |
| Cash-out refinance | 85% | 23 / 27 | 96% | $425K | 22 |
| Refinance | 82% | 124 / 151 | 80% | $395K | 99 |
Catalyst Mortgage lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 90% | $445K | 204 | 167 |
| Florida | 80% | $365K | 102 | 69 |
| Tennessee | 97% | $365K | 37 | 33 |
| Colorado | 86% | $455K | 29 | 22 |
| Oregon | 90% | $355K | 29 | 21 |
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.
Questions about Catalyst Mortgage
What is Catalyst Mortgage's mortgage approval rate?
Catalyst Mortgage approved 87.9% of the 420 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.9 points above the 73.0% national rate for the same mix of loan types.
How often do borrowers take the loan Catalyst Mortgage offers?
Borrowers accepted 89% of the loans Catalyst Mortgage approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Catalyst Mortgage make?
The typical mortgage refinance loan Catalyst Mortgage made was $395K; across all loan types its typical loan ran from $395K to $475K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Catalyst Mortgage lend?
Catalyst Mortgage decided applications in 11 of the states Fat Boy Data covers, most of them in California, Florida and Tennessee.
Can I apply to Catalyst Mortgage directly?
Yes. Catalyst Mortgage reports as a direct lender that takes applications from borrowers. Its website is catalystmortgage.com.
Does this page show Catalyst Mortgage'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 Catalyst Mortgage treats applications, then get a rate quote from the lender.