Ground Figures
Lenders → Lakeview Loan Servicing, LLC

Lakeview Loan Servicing, LLC

Independent mortgage co. · #287 by purchase decisions in 2025 · VA 36%.

All programs, all bands
85%

approved of 561 decisions.

Purchase decisions
1,539
Approved, all
85%
Lender type
Independent mortgage co.
States with 50+ decisions
6

Approval by DTI band

Each row is approved versus denied among files whose decision used that ratio. Read the 50–60% row against the ≤43% row: a gap is the signature of a wall at 50.

VA

DTI bandDecisionsApproved · deniedDenials citing DTI
≤43%328
91%
3%
44–45%34
97%
0%
46–49%46
89%
0%
50–60%98
89%
27%
>60%55
29%
82%

Rates and costs

Compared with the national market in the same LTV band and points-paid cell; 30-year fixed conforming purchase loans. Builder-owned lenders buy rates down as a sales incentive, which is paid for in the house price.

Conventional rate vs market
+25 bps
Conventional median, no points
6.875%
Conventional median loan costs
$3,875
FHA median loan costs
$2,875
VA median loan costs
$2,875
Why it says no: first-listed denial reason, 2025 WHY IT SAYS NO: FIRST-LISTED DENIAL REASON, 2025 Debt-to-income ratio Debt-to-income ratio: 43% approved of 184 43% Application incomplete Application incomplete: 38% approved of 162 38% Other Other: 8% approved of 35 8% Credit history Credit history: 6% approved of 26 6% Collateral Collateral: 3% approved of 13 3% Employment history Employment history: 2% approved of 8 2% Approval by loan-to-value band, all programs APPROVAL BY LOAN-TO-VALUE BAND, ALL PROGRAMS LTV ≤80% LTV ≤80%: 88% approved of 165 88% LTV 80–95% LTV 80–95%: 85% approved of 464 85% LTV >95% LTV >95%: 76% approved of 731 76%

Where it lends

Texas (257), Florida (174), California (130), Colorado (71), Virginia (66), Georgia (51), Arizona (49), Washington (48), North Carolina (45), Maryland (43).

Compare Lakeview Loan Servicing, LLC with every lender in a state on the approvals, rates and fees pages.

Questions

Does Lakeview Loan Servicing, LLC approve loans with a DTI over 50%?

Lakeview Loan Servicing, LLC decided too few purchase files above 50% DTI in 2025 to report a rate. The table on this page shows every band.

Are Lakeview Loan Servicing, LLC's rates competitive?

In 2025 its closed conventional loans were priced 25 basis points above the market median after matching LTV band and points paid.

Why does Lakeview Loan Servicing, LLC deny applications?

Its most common first-listed denial reason in 2025 was debt-to-income ratio (43% of denials), followed by application incomplete (38%).

Where does this come from?

Lakeview Loan Servicing, LLC's own 2025 HMDA filing, as published by the CFPB. Purchase loans on site-built, one-unit, owner-occupied homes. Decisions, not policy: files screened out before a formal application never appear. Credit score is withheld from the public file.

Method

Approvals from the approvals dataset (originated vs. denied by DTI band). Rates: HMDA interest rate on 30-year fixed conforming purchase originations, compared cell by cell with the national market. Costs: Closing Disclosure total loan costs, binned to $250. Denial reasons: first reason listed on denied files. Lender type assigned from the name.

Corrections

Every figure traces to Lakeview Loan Servicing, LLC’s own filing. If a number looks wrong, write to us and we will re-run it.