PlainLender

CLM MORTGAGE, INC

SPRING, TX

CLM MORTGAGE, INC processed 3,229 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 2,635 loans with a 1.7% denial rate. Home Purchase was the primary loan purpose. Based in SPRING, TX. The approval rate of 81.6% reflects originated loans as a share of all applications. Below you will find a breakdown by loan type, loan purpose, denial reasons, and demographic lending patterns as required by the Home Mortgage Disclosure Act.

Portfolio scale. CLM MORTGAGE, INC processed 3,229 HMDA-reported mortgage applications in 2024, originating 2,635 loans and denying 55 for a denial rate of 1.7% (applicants themselves withdrew 507 files before a decision). The average loan amount was $416,016 at a 6.066% average note rate, and applicants self-reported an average income of $40,000. The lender reports under LEI 549300KOAKQX3BEWWT56 from SPRING, TX.

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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. CLM MORTGAGE, INC's 81.6% origination rate tells you how often an application turned into funded money; the 1.7% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Debt-to-income ratio, Unverifiable information, Employment history, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,984 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.

3,229
Applications
2,635
Originated
1.7%
Denial Rate
$416,016
Avg Loan Amount
Avg Interest Rate: 6.066% Avg Applicant Income: $40,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,984 1,593 32 $402,440
FHA 807 682 15 $413,042
VA 438 360 8 $482,991

Top loan types — CLM MORTGAGE, INC

Top loan types — CLM MORTGAGE, INC Horizontal bar chart of the top 3 items by value (applications). Top loan types — CLM MORTGAGE, INC Top 3 1. Conventional 1,984 2. FHA 807 3. VA 438 Top 5 loan types by application volume at CLM MORTGAGE, INC (HMDA 2023). Source: CFPB HMDA loan/application register.

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2023 LAR — application-level mortgage data for CLM MORTGAGE, INC (LEI: 549300KOAKQX3BEWWT56) · 2023 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
38
Unverifiable information
12
Employment history
11
Insufficient cash
10
Credit history
8
Other
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 3,223 2,633 $416,033
Refinancing 4 1 $430,000
Cash-out Refinancing 2 1 $360,000

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 1,710 83.6% 0.9%
Asian 544 80.2% 2.4%
Black or African American 346 77.2% 2.9%
Joint 139 87.0% 2.9%
American Indian or Alaska Native 19 100.0% 0.0%
2 or more minority races 10 70.0% 0.0%
Native Hawaiian or Other Pacific Islander 6 100.0% 0.0%

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 2,131 81.6% 1.4%
Hispanic or Latino 535 83.2% 2.8%
Joint 191 85.3% 0.0%

Nearby Lenders in TX

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

Nationstar Mortgage

Coppell, TX

110,111 apps 41,693 originated 9.2% denied

DHI Mortgage Company, LTD.

Austin, TX

96,056 apps 70,673 originated 10.3% denied

PRIMELENDING

DALLAS, TX

36,578 apps 25,147 originated 5.3% denied

Credit Human Federal Credit Un

San Antonio, TX

28,052 apps 2,953 originated 75.7% denied

USAA BANK

SAN ANTONIO, TX

28,020 apps 13,205 originated 23.5% denied
Compare CLM MORTGAGE, INC vs Nationstar Mortgage →

Mortgage Lending Guides

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Strategies for securing the lowest interest rate
Understanding HMDA Data
How to read and interpret mortgage disclosure data
Denial Rates by Demographics
Demographic patterns in mortgage approval and denial

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Frequently Asked Questions

How many mortgage applications did CLM MORTGAGE, INC process?
CLM MORTGAGE, INC processed 3,229 mortgage applications in the 2023 HMDA reporting year. Of these, 2,635 were originated (approved and funded), 507 were withdrawn by the applicant, and 55 were denied.
What is CLM MORTGAGE, INC's mortgage approval rate?
CLM MORTGAGE, INC has an approval (origination) rate of 81.6%, meaning 81.6% of all applications resulted in a funded mortgage. The denial rate is 1.7%.
What is the average loan amount at CLM MORTGAGE, INC?
The average mortgage loan amount at CLM MORTGAGE, INC is $416,016. The average interest rate is 6.066%. The average applicant income is $40,000.
What are the most common reasons for mortgage denial at CLM MORTGAGE, INC?
The most common reasons for mortgage denial at CLM MORTGAGE, INC are: Debt-to-income ratio, Unverifiable information, Employment history. In total, 55 applications were denied out of 3,229 total applications.
What types of mortgage loans does CLM MORTGAGE, INC offer?
CLM MORTGAGE, INC processes Conventional, FHA, VA loans. The most common type is Conventional with 1,984 applications and an average loan amount of $402,440.
What loan purposes does CLM MORTGAGE, INC serve?
CLM MORTGAGE, INC serves the following loan purposes: Home Purchase (3,223 applications), Refinancing (4 applications), Cash-out Refinancing (2 applications). Home Purchase is the most common purpose.
Where is CLM MORTGAGE, INC located?
CLM MORTGAGE, INC is headquartered in SPRING, TX. The lender is identified by LEI 549300KOAKQX3BEWWT56 in HMDA data.
How does CLM MORTGAGE, INC compare in lending across racial demographics?
CLM MORTGAGE, INC reports demographic lending data under HMDA requirements. White applicants have an approval rate of 83.6% and denial rate of 0.9%; Asian applicants have an approval rate of 80.2% and denial rate of 2.4%; Black or African American applicants have an approval rate of 77.2% and denial rate of 2.9%. 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.