Lender profile · HMDA 2023–2025
Simplicity mortgage approval rates & lending data
Simplicity decided 289 mortgage applications and funded 252 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 88 / 93 | 97% | $185K | 85 |
| Home improvement loans | 85% | 67 / 79 | 100% | $45K | 67 |
| Cash-out refinance | 91% | 59 / 65 | 90% | $75K | 53 |
| Refinance | 89% | 34 / 38 | 97% | $135K | 33 |
Simplicity lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Wisconsin | 91% | $115K | 289 | 252 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.