Lender profile · HMDA 2023–2025
Obsidian Financial Services, Inc. mortgage approval rates & lending data
Obsidian Financial Services, Inc. decided 588 mortgage applications and funded 584 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 | 99% | 484 / 487 | 100% | $325K | 483 |
| Cash-out refinance | 100% | 26 / 26 | 100% | $255K | 26 |
| Refinance | 100% | 25 / 25 | 100% | $385K | 25 |
| Investment property purchase | 100% | 30 / 30 | 100% | $265K | 30 |
Obsidian Financial Services, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Texas | 100% | $275K | 216 | 216 |
| Florida | 99% | $425K | 124 | 123 |
| California | 100% | $755K | 88 | 87 |
| Georgia | 100% | $395K | 34 | 34 |
| Ohio | 93% | $215K | 29 | 27 |
| Indiana | 100% | $285K | 18 | 18 |
| New Jersey | 100% | $455K | 18 | 18 |
| Arizona | 100% | $555K | 14 | 14 |
| Illinois | 100% | $355K | 7 | 7 |
| Utah | 100% | $485K | 7 | 7 |
| Tennessee | 100% | $125K | 6 | 6 |
| Maryland | 100% | $325K | 4 | 4 |
| Pennsylvania | 100% | $155K | 4 | 4 |
| North Carolina | 100% | $245K | 3 | 3 |
| South Carolina | 100% | $245K | 3 | 3 |
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.