The Tax Lady
The Tax Lady received 380 applications in 2025 and made 239 mortgages, in 28 counties across 9 states. The median rate its borrowers got was 6.490% on a median loan of $255,000. Of 336 decisions, 97 were denials — 28.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300TG5MQ8D4SYP955 |
|---|---|
| Applications received | 380 |
| Mortgages made | 239 |
| Denied | 97 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 44 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.156 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 74 | 6.375% | $440,000 | 8.6% |
| Refinancing | 18 | 5.995% | $490,000 | 18.2% |
| Cash-out refinancing | 74 | 6.250% | $265,000 | 14.0% |
| Other purposes | 73 | 8.824% | $75,000 | 50.3% |
Where The Tax Lady lends most
The 28 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Riverside County, CA | 188 | 6.563% | 29.3% |
| San Bernardino County, CA | 16 | 6.375% | 30.4% |
| Los Angeles County, CA | 11 | 6.125% | 8.3% |
| Orange County, CA | 5 | Under 10 loans | 0.0% |
| San Diego County, CA | 2 | Under 10 loans | 0.0% |
| Colbert County, AL | 1 | Under 10 loans | 0.0% |
| Jefferson County, AL | 1 | Under 10 loans | 0.0% |
| Maricopa County, AZ | 1 | Under 10 loans | 0.0% |
| Mohave County, AZ | 1 | Under 10 loans | 0.0% |
| Yuma County, AZ | 1 | Under 10 loans | 0.0% |
| Alameda County, CA | 1 | Under 10 loans | 0.0% |
| Fresno County, CA | 1 | Under 10 loans | 0.0% |
| Humboldt County, CA | 1 | Under 10 loans | 0.0% |
| Imperial County, CA | 1 | Under 10 loans | 87.5% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Clark County, NV | 1 | Under 10 loans | 0.0% |
| Lyon County, NV | 1 | Under 10 loans | 0.0% |
| Aiken County, SC | 1 | Under 10 loans | 0.0% |
| Sullivan County, TN | 1 | Under 10 loans | 0.0% |
| Jefferson County, TX | 1 | Under 10 loans | 0.0% |
| Johnson County, TX | 1 | Under 10 loans | 0.0% |
| Tom Green County, TX | 1 | Under 10 loans | 0.0% |
| Yavapai County, AZ | 0 | Under 10 loans | Not published |
| Contra Costa County, CA | 0 | Under 10 loans | 100.0% |
| Kern County, CA | 0 | Under 10 loans | 100.0% |
| San Joaquin County, CA | 0 | Under 10 loans | Not published |
| Fulton County, GA | 0 | Under 10 loans | 100.0% |
| Macoupin County, IL | 0 | Under 10 loans | 100.0% |
Get told when this changes
When The Tax Lady’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.