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Parkstone Mortgage, LLC

Houston, TX

Parkstone Mortgage, LLC processed 1,614 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 1,063 loans with a 0.4% denial rate. Home Purchase was the primary loan purpose. Based in Houston, TX. The approval rate of 65.9% 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. Parkstone Mortgage, LLC processed 1,614 HMDA-reported mortgage applications in 2024, originating 1,063 loans and denying 6 for a denial rate of 0.4% (applicants themselves withdrew 524 files before a decision). The average loan amount was $464,368 at a 5.974% average note rate, and applicants self-reported an average income of $37,000. The lender reports under LEI 549300JUPH9GRBKWSS23 from Houston, 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several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Parkstone Mortgage, LLC's 65.9% origination rate tells you how often an application turned into funded money; the 0.4% 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, Other, which together explain the majority of rejections. Most activity concentrated in Conventional loans (1,106 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.

1,614
Applications
1,063
Originated
0.4%
Denial Rate
$464,368
Avg Loan Amount
Avg Interest Rate: 5.974% Avg Applicant Income: $37,000

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 1,106 709 3 $447,233
VA 281 198 0 $547,064
FHA 227 156 3 $445,485

Top loan types — Parkstone Mortgage, LLC

Top loan types — Parkstone Mortgage, LLC Horizontal bar chart of the top 3 items by value (applications). Top loan types — Parkstone Mortgage, LLC Top 3 1. Conventional 1,106 2. VA 281 3. FHA 227 Top 5 loan types by application volume at Parkstone Mortgage, 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 Parkstone Mortgage, LLC (LEI: 549300JUPH9GRBKWSS23) · 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
3
Unverifiable information
3
Other
2
Credit history
1
Employment history
1

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 1,614 1,063 $464,368

Geographic Coverage — Lending by Race

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

Race Applications Approval Rate Denial Rate
White 725 71.9% 0.4%
Asian 345 60.3% 0.0%
Black or African American 209 64.1% 0.5%
Joint 66 71.2% 0.0%
American Indian or Alaska Native 8 50.0% 12.5%
2 or more minority races 5 40.0% 0.0%
Native Hawaiian or Other Pacific Islander 2 50.0% 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 997 65.6% 0.2%
Hispanic or Latino 274 70.4% 0.7%
Joint 121 71.1% 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 Parkstone Mortgage, LLC vs Nationstar Mortgage →

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 Parkstone Mortgage, LLC process?
Parkstone Mortgage, LLC processed 1,614 mortgage applications in the 2023 HMDA reporting year. Of these, 1,063 were originated (approved and funded), 524 were withdrawn by the applicant, and 6 were denied.
What is Parkstone Mortgage, LLC's mortgage approval rate?
Parkstone Mortgage, LLC has an approval (origination) rate of 65.9%, meaning 65.9% of all applications resulted in a funded mortgage. The denial rate is 0.4%.
What is the average loan amount at Parkstone Mortgage, LLC?
The average mortgage loan amount at Parkstone Mortgage, LLC is $464,368. The average interest rate is 5.974%. The average applicant income is $37,000.
What are the most common reasons for mortgage denial at Parkstone Mortgage, LLC?
The most common reasons for mortgage denial at Parkstone Mortgage, LLC are: Debt-to-income ratio, Unverifiable information, Other. In total, 6 applications were denied out of 1,614 total applications.
What types of mortgage loans does Parkstone Mortgage, LLC offer?
Parkstone Mortgage, LLC processes Conventional, VA, FHA loans. The most common type is Conventional with 1,106 applications and an average loan amount of $447,233.
What loan purposes does Parkstone Mortgage, LLC serve?
Parkstone Mortgage, LLC serves the following loan purposes: Home Purchase (1,614 applications). Home Purchase is the most common purpose.
Where is Parkstone Mortgage, LLC located?
Parkstone Mortgage, LLC is headquartered in Houston, TX. The lender is identified by LEI 549300JUPH9GRBKWSS23 in HMDA data.
How does Parkstone Mortgage, LLC compare in lending across racial demographics?
Parkstone Mortgage, LLC reports demographic lending data under HMDA requirements. White applicants have an approval rate of 71.9% and denial rate of 0.4%; Asian applicants have an approval rate of 60.3% and denial rate of 0.0%; Black or African American applicants have an approval rate of 64.1% and denial rate of 0.5%. 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.