Bluebird Home Loans at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
76th4.4% deniedPricingmedian rate spread over APOR, weight 30%
40th0.35 ptsProcesswithdrawn + incomplete share, weight 15%
15th21.9%Closing coststotal loan costs ÷ loan amount, weight 10%
29th2.53% of loanTrend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 186 | 139 | 7.0% | 8.6% | 6.88% | $58M |
| 2025 | 146 | 109 | 3.4% | 4.4% | 6.63% | $40M |
What Bluebird Home Loans 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: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 21 investment properties.
Why Bluebird Home Loans denies applications
Primary reason reported for each of the 5 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bluebird Home Loans
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 36 | 29 | 0.0% |
| $100k – $150k | 44 | 34 | 2.9% |
| $150k – $250k | 35 | 24 | 4.0% |
| Over $250k | 27 | 19 | 9.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 24 | 21 | 0.0% |
| 35–44 | 40 | 28 | 0.0% |
| 45–54 | 45 | 33 | 5.7% |
Where Bluebird Home Loans lends
5 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Idaho | 137 | 104 | 3.7% | 6.63% | #104 |
Frequently asked questions
Bluebird Home Loans denied 4.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 76th percentile of small mortgage lenders.
The most common reason Bluebird Home Loans gave in 2025 was "incomplete application", cited on 40.0% 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 Bluebird Home Loans originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.35 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 79% of its applications were for home purchases, 21% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 88% conventional, 10% FHA, 3% 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.