PlainLender

GOODLEAP, LLC

ROSEVILLE, CA

GOODLEAP, LLC processed 15,833 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 7,007 loans with a 23.1% denial rate. Cash-out Refinancing was the primary loan purpose. Based in ROSEVILLE, CA. The approval rate of 44.3% 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. GOODLEAP, LLC processed 15,833 HMDA-reported mortgage applications in 2024, originating 7,007 loans and denying 3,661 for a denial rate of 23.1% (applicants themselves withdrew 3,091 files before a decision). The average loan amount was $187,519 at a 6.304% average note rate, and applicants self-reported an average income of $37,000. The lender reports under LEI 549300YN94MOAVYW0F52 from ROSEVILLE, CA.

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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. GOODLEAP, LLC's 44.3% origination rate tells you how often an application turned into funded money; the 23.1% denial rate is a separate read on underwriting strictness. The most frequently cited denial reasons in this file were Other, Debt-to-income ratio, Collateral, which together explain the majority of rejections. Most activity concentrated in Conventional loans (8,383 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.

15,833
Applications
7,007
Originated
23.1%
Denial Rate
$187,519
Avg Loan Amount
Avg Interest Rate: 6.304% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 8,383 4,008 1,734 $139,217
FHA 5,752 2,270 1,595 $228,209
VA 1,698 729 332 $288,145

Top loan types — GOODLEAP, LLC

Top loan types — GOODLEAP, LLC Horizontal bar chart of the top 3 items by value (applications). Top loan types — GOODLEAP, LLC Top 3 1. Conventional 8,383 2. FHA 5,752 3. VA 1,698 Top 5 loan types by application volume at GOODLEAP, LLC (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 GOODLEAP, LLC (LEI: 549300YN94MOAVYW0F52) · 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

Other
1,304
Debt-to-income ratio
1,123
Collateral
917
Credit history
485
Insufficient cash
437
Unverifiable information
390
Credit application incomplete
137
Employment history
49

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Cash-out Refinancing 14,830 6,598 $182,890
Refinancing 944 377 $251,419
Home Purchase 59 32 $328,559

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 11,101 45.3% 22.6%
Black or African American 2,510 42.3% 24.6%
Asian 237 37.1% 25.3%
Joint 166 50.0% 19.3%
American Indian or Alaska Native 123 53.7% 21.9%
2 or more minority races 47 29.8% 36.2%
Native Hawaiian or Other Pacific Islander 42 30.9% 16.7%

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 12,872 44.9% 22.7%
Hispanic or Latino 1,598 40.9% 25.8%
Joint 183 48.1% 17.5%

Nearby Lenders in CA

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

PENNYMAC LOAN SERVICES LLC

WESTLAKE VILLAGE, CA

384,816 apps 67,294 originated 4.7% denied

Bank of America NA

Westlake Village, CA

233,637 apps 83,165 originated 34.6% denied

AmeriHome Mortgage Company, LLC

Thousand Oaks, CA

149,937 apps 6,250 originated 0.8% denied

LOANDEPOT.COM, LLC

IRVINE, CA

142,924 apps 79,418 originated 23.3% denied

NEW AMERICAN FUNDING, LLC.

TUSTIN, CA

118,479 apps 48,639 originated 11.1% denied
Compare GOODLEAP, LLC vs PENNYMAC LOAN SERVICES LLC →

Mortgage Lending Guides

Why Mortgages Get Denied
Common denial reasons and how to improve your chances
Comparing Mortgage Lenders
What to look for when choosing a mortgage lender
Getting the Best Mortgage Rate
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 GOODLEAP, LLC process?
GOODLEAP, LLC processed 15,833 mortgage applications in the 2023 HMDA reporting year. Of these, 7,007 were originated (approved and funded), 3,091 were withdrawn by the applicant, and 3,661 were denied.
What is GOODLEAP, LLC's mortgage approval rate?
GOODLEAP, LLC has an approval (origination) rate of 44.3%, meaning 44.3% of all applications resulted in a funded mortgage. The denial rate is 23.1%.
What is the average loan amount at GOODLEAP, LLC?
The average mortgage loan amount at GOODLEAP, LLC is $187,519. The average interest rate is 6.304%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at GOODLEAP, LLC?
The most common reasons for mortgage denial at GOODLEAP, LLC are: Other, Debt-to-income ratio, Collateral. In total, 3,661 applications were denied out of 15,833 total applications.
What types of mortgage loans does GOODLEAP, LLC offer?
GOODLEAP, LLC processes Conventional, FHA, VA loans. The most common type is Conventional with 8,383 applications and an average loan amount of $139,217.
What loan purposes does GOODLEAP, LLC serve?
GOODLEAP, LLC serves the following loan purposes: Cash-out Refinancing (14,830 applications), Refinancing (944 applications), Home Purchase (59 applications). Cash-out Refinancing is the most common purpose.
Where is GOODLEAP, LLC located?
GOODLEAP, LLC is headquartered in ROSEVILLE, CA. The lender is identified by LEI 549300YN94MOAVYW0F52 in HMDA data.
How does GOODLEAP, LLC compare in lending across racial demographics?
GOODLEAP, LLC reports demographic lending data under HMDA requirements. White applicants have an approval rate of 45.3% and denial rate of 22.6%; Black or African American applicants have an approval rate of 42.3% and denial rate of 24.6%; Asian applicants have an approval rate of 37.1% and denial rate of 25.3%. 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.