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Cazle Mortgage, Inc.

Baltimore, MD

Cazle Mortgage, Inc. processed 542 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 441 loans with a 4.2% denial rate. Home Purchase was the primary loan purpose. Based in Baltimore, MD. The approval rate of 81.4% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Cazle Mortgage, Inc.'s 81.4% origination rate tells you how often an application turned into funded money; the 4.2% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Collateral, Credit history, which together explain the majority of rejections. Most activity concentrated in FHA loans (257 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

542
Applications
441
Originated
4.2%
Denial Rate
$312,417
Avg Loan Amount
Avg Interest Rate: 6.698% Avg Applicant Income: $41,000

Lending Activity

Type Applications Originated Denied Avg Loan
FHA 257 208 14 $318,463
Conventional 195 156 7 $290,231
VA 90 77 2 $343,222

Top loan types - Cazle Mortgage, Inc.

Top loan types - Cazle Mortgage, Inc. Horizontal bar chart of the top 3 items by value (applications). Top loan types - Cazle Mortgage, Inc. Top 3 1. FHA 257 2. Conventional 195 3. VA 90 Top 5 loan types by application volume at Cazle Mortgage, Inc. (HMDA 2024). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Cazle Mortgage, Inc. (LEI: 254900SUZ313OILKVD67) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Denial Analysis

Debt-to-income ratio
8
Collateral
7
Credit history
6
Unverifiable information
3
Employment history
1
Other
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 328 270 $333,902
Refinancing 193 153 $301,010
Home Improvement 21 18 $81,667

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
Black or African American 261 76.6% 6.1%
White 243 88.1% 1.2%
Asian * 14 78.6% 0.0%
Joint * 4 100.0% 0.0%
2 or more minority races * 1 0.0% 100.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 475 82.3% 3.8%
Hispanic or Latino 53 75.5% 5.7%
Joint * 4 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in MD

Other HMDA-reporting lenders in MD with similar activity. Compare any two side-by-side.

Lower, LLC

COLUMBIA, MD

27,730 apps 17,412 originated 9.4% denied

Nfm, INC

LINTHICUM, MD

22,075 apps 17,246 originated 1.9% denied

First Home Mortgage

Baltimore, MD

7,187 apps 5,538 originated 2.8% denied

Tower Federal Credit Union

LAUREL, MD

6,022 apps 3,449 originated 31.0% denied

State Employees Credit Union of Maryland

Linthicum, MD

5,814 apps 2,602 originated 42.7% denied
Compare Cazle Mortgage, Inc. vs Lower, LLC →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Cazle Mortgage, Inc. process?
Cazle Mortgage, Inc. processed 542 mortgage applications in the 2024 HMDA reporting year. Of these, 441 were originated (approved and funded), 78 were withdrawn by the applicant, and 23 were denied.
What is Cazle Mortgage, Inc.'s mortgage approval rate?
Cazle Mortgage, Inc. has an approval (origination) rate of 81.4%, meaning 81.4% of all applications resulted in a funded mortgage. The denial rate is 4.2%.
What is the average loan amount at Cazle Mortgage, Inc.?
The average mortgage loan amount at Cazle Mortgage, Inc. is $312,417. The average interest rate is 6.698%. The average applicant income is $41,000.
What are the most common reasons for mortgage denial at Cazle Mortgage, Inc.?
The most common reasons for mortgage denial at Cazle Mortgage, Inc. are: Debt-to-income ratio, Collateral, Credit history. In total, 23 applications were denied out of 542 total applications.
What types of mortgage loans does Cazle Mortgage, Inc. offer?
Cazle Mortgage, Inc. processes FHA, Conventional, VA loans. The most common type is FHA with 257 applications and an average loan amount of $318,463.
What loan purposes does Cazle Mortgage, Inc. serve?
Cazle Mortgage, Inc. serves the following loan purposes: Home Purchase (328 applications), Refinancing (193 applications), Home Improvement (21 applications). Home Purchase is the most common purpose.
Where is Cazle Mortgage, Inc. located?
Cazle Mortgage, Inc. is headquartered in Baltimore, MD. The lender is identified by LEI 254900SUZ313OILKVD67 in HMDA data.
How does Cazle Mortgage, Inc. compare in lending across racial demographics?
Cazle Mortgage, Inc. reports demographic lending data under HMDA requirements. Black or African American applicants have an approval rate of 76.6% and denial rate of 6.1%; White applicants have an approval rate of 88.1% and denial rate of 1.2%; Asian applicants have an approval rate of 78.6% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.