Obsidian Financial Services, Inc. mortgage approval rate & lending review
Obsidian Financial Services, Inc. decided 588 mortgage applications and funded 584 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Obsidian Financial Services, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates. For current rates and applications go to obsidianfinancialservices.com.
Obsidian Financial Services, Inc. at a glance
Approval is 13.6 points above the 85.8% 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 | 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 |
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 Obsidian Financial Services, Inc.
What is Obsidian Financial Services, Inc.'s mortgage approval rate?
Obsidian Financial Services, Inc. approved 99.5% of the 588 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.6 points above the 85.8% national rate for the same mix of loan types.
How often do borrowers take the loan Obsidian Financial Services, Inc. offers?
Borrowers accepted 100% of the loans Obsidian Financial Services, Inc. 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 Obsidian Financial Services, Inc. make?
The typical home purchase mortgage loan Obsidian Financial Services, Inc. made was $325K; across all loan types its typical loan ran from $255K to $385K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Obsidian Financial Services, Inc. lend?
Obsidian Financial Services, Inc. decided applications in 24 of the states Fat Boy Data covers, most of them in Texas, Florida and California.
Can I apply to Obsidian Financial Services, Inc. directly?
Yes. Obsidian Financial Services, Inc. reports as a direct lender that takes applications from borrowers. Its website is obsidianfinancialservices.com.
Does this page show Obsidian Financial Services, Inc.'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 Obsidian Financial Services, Inc. treats applications, then get a rate quote from the lender.