On Q Financial, LLC mortgage approval rate & lending review
On Q Financial, LLC decided 2,892 mortgage applications and funded 2,399 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions On Q Financial, LLC reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
On Q Financial, LLC at a glance
Approval is 6.1 points above the 86.1% 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% | 2,351 / 2,505 | 90% | $335K | 2,121 |
| Cash-out refinance | 73% | 113 / 155 | 87% | $235K | 98 |
| Refinance | 78% | 69 / 88 | 84% | $295K | 58 |
| Investment property purchase | 94% | 105 / 112 | 91% | $315K | 96 |
On Q Financial, LLC lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Arizona | 92% | $435K | 877 | 717 |
| South Carolina | 93% | $225K | 427 | 373 |
| Washington | 97% | $655K | 309 | 287 |
| California | 93% | $315K | 307 | 243 |
| North Carolina | 87% | $235K | 260 | 210 |
| Utah | 96% | $355K | 107 | 100 |
| Florida | 87% | $315K | 94 | 69 |
| Colorado | 98% | $515K | 87 | 77 |
| Texas | 92% | $385K | 63 | 57 |
| Missouri | 80% | $235K | 46 | 28 |
| Nevada | 90% | $425K | 42 | 28 |
| Indiana | 95% | $245K | 39 | 34 |
| Ohio | 85% | $155K | 33 | 24 |
| Oregon | 93% | $405K | 29 | 25 |
| Tennessee | 67% | $335K | 27 | 16 |
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 On Q Financial, LLC lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Shasta County, CA | Mortgage lenders | 97% | 173 | 143 |
| Greenville County, SC | Mortgage lenders | 95% | 135 | 120 |
| Cleveland County, NC | Mortgage lenders | 93% | 96 | 85 |
| Gaston County, NC | Mortgage lenders | 94% | 83 | 73 |
| Anderson County, SC | Mortgage lenders | 93% | 81 | 72 |
| Pickens County, SC | Mortgage lenders | 99% | 81 | 72 |
| Yavapai County, AZ | Mortgage lenders | 93% | 83 | 70 |
| Weber County, UT | Mortgage lenders | 100% | 40 | 40 |
The county markets where On Q Financial, LLC made the most loans. Each link opens that market with every lender ranked.
Questions about On Q Financial, LLC
What is On Q Financial, LLC's mortgage approval rate?
On Q Financial, LLC approved 92.2% of the 2,892 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 6.1 points above the 86.1% national rate for the same mix of loan types.
How often do borrowers take the loan On Q Financial, LLC offers?
Borrowers accepted 90% of the loans On Q Financial, LLC 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 On Q Financial, LLC make?
The typical home purchase mortgage loan On Q Financial, LLC made was $335K; across all loan types its typical loan ran from $235K to $335K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does On Q Financial, LLC lend?
On Q Financial, LLC decided applications in 40 of the states Fat Boy Data covers, most of them in Arizona, South Carolina and Washington.
Can I apply to On Q Financial, LLC directly?
Yes. On Q Financial, LLC reports as a direct lender that takes applications from borrowers.
Does this page show On Q Financial, LLC'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 On Q Financial, LLC treats applications, then get a rate quote from the lender.