Ground Figures
Lenders → Leaderone Financial Corp.

Leaderone Financial Corp.

Independent mortgage co. · #123 by purchase decisions in 2025 · Conventional 53% · FHA 37%. Above 50% DTI on fha files it approved 85% of 398.

FHA · above 50% DTI
85%

approved of 398 decisions. Across all bands and programs: 90% of 3,759.

Purchase decisions
4,191
Approved, all
90%
Lender type
Independent mortgage co.
States with 50+ decisions
17

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.

Conventional

DTI bandDecisionsApproved · deniedDenials citing DTI
≤43%1,515
92%
2%
44–45%170
95%
0%
46–49%509
92%
15%

FHA

DTI bandDecisionsApproved · deniedDenials citing DTI
≤43%693
89%
3%
44–45%139
89%
13%
46–49%281
87%
11%
50–60%398
85%
26%

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
+14 bps
Conventional median, no points
6.75%
FHA rate vs market
+31 bps
FHA median, no points
6.625%
VA rate vs market
+38 bps
VA median, no points
6.5%
Conventional median loan costs
$5,375
FHA median loan costs
$9,875
VA median loan costs
$6,875
Why it says no: first-listed denial reason, 2025 WHY IT SAYS NO: FIRST-LISTED DENIAL REASON, 2025 Application incomplete Application incomplete: 31% approved of 122 31% Other Other: 23% approved of 88 23% Collateral Collateral: 17% approved of 68 17% Debt-to-income ratio Debt-to-income ratio: 14% approved of 55 14% Credit history Credit history: 8% approved of 30 8% Unverifiable information Unverifiable information: 6% approved of 22 6% Approval by loan-to-value band, all programs APPROVAL BY LOAN-TO-VALUE BAND, ALL PROGRAMS LTV ≤80% LTV ≤80%: 92% approved of 1,099 92% LTV 80–95% LTV 80–95%: 91% approved of 1,097 91% LTV >95% LTV >95%: 88% approved of 1,968 88%

Where it lends

Missouri (1,208), Illinois (475), Florida (400), Kansas (311), California (285), Alabama (204), Maine (170), Indiana (149), Texas (147), Washington (137).

Compare Leaderone Financial Corp. with every lender in a state on the approvals, rates and fees pages.

Questions

Does Leaderone Financial Corp. approve loans with a DTI over 50%?

On fha purchase files in 2025, Leaderone Financial Corp. approved 85% of 398 applications with a DTI between 50 and 60 percent. The table on this page shows every band.

Are Leaderone Financial Corp.'s rates competitive?

In 2025 its closed conventional loans were priced 14 basis points above the market median after matching LTV band and points paid.

Why does Leaderone Financial Corp. deny applications?

Its most common first-listed denial reason in 2025 was application incomplete (31% of denials), followed by other (23%).

Where does this come from?

Leaderone Financial Corp.'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 Leaderone Financial Corp.’s own filing. If a number looks wrong, write to us and we will re-run it.