Barksdale at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
8th30.0% deniedPricingmedian rate spread over APOR, weight 30%
93rd-0.27 ptsProcesswithdrawn + incomplete share, weight 15%
11th24.6%Closing coststotal loan costs ÷ loan amount, weight 10%
7th4.45% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,173 | 601 | 32.3% | 38.2% | 7.25% | $71M |
| 2024 | 1,090 | 534 | 27.2% | 35.1% | 7.50% | $57M |
| 2025 | 1,089 | 562 | 22.6% | 30.0% | 6.50% | $68M |
What Barksdale lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 356 home-equity lines, 0 reverse mortgages, 74 manufactured homes, 54 investment properties.
Why Barksdale denies applications
Primary reason reported for each of the 246 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Barksdale
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 189 | 60 | 54.1% |
| $50k – $100k | 391 | 203 | 27.5% |
| $100k – $150k | 227 | 144 | 17.2% |
| $150k – $250k | 157 | 112 | 13.7% |
| Over $250k | 44 | 29 | 16.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 36 | 7 | 61.1% |
| 25–34 | 147 | 59 | 33.7% |
| 35–44 | 189 | 101 | 31.8% |
| 45–54 | 233 | 127 | 27.6% |
| 55–64 | 234 | 138 | 25.5% |
| 65–74 | 157 | 78 | 33.6% |
| Over 74 | 74 | 40 | 22.8% |
Where Barksdale lends
4 states and 75 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Barksdale denied 30.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of small mortgage lenders.
The most common reason Barksdale gave in 2025 was "credit history", cited on 41.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Barksdale originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was -0.27 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 29% of its applications were for home purchases, 33% for refinancing (including cash-out), and 38% for home improvement or other purposes. By loan type: 93% conventional, 5% FHA, 2% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.