Dutch Point at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
9th28.4% deniedPricingmedian rate spread over APOR, weight 30%
18th0.75 ptsProcesswithdrawn + incomplete share, weight 15%
69th7.6%Closing coststotal loan costs ÷ loan amount, weight 10%
83rd1.07% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 354 | 222 | 13.3% | 17.3% | — | $14M |
| 2024 | 301 | 181 | 20.6% | 25.5% | 6.49% | $14M |
| 2025 | 236 | 139 | 26.3% | 28.4% | 6.75% | $12M |
What Dutch Point 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: 5 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 0 investment properties.
Why Dutch Point denies applications
Primary reason reported for each of the 62 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Dutch Point
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 8 | 58.3% |
| $50k – $100k | 73 | 44 | 28.8% |
| $100k – $150k | 69 | 43 | 26.2% |
| $150k – $250k | 50 | 33 | 19.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 23 | 13 | 19.1% |
| 35–44 | 47 | 26 | 31.0% |
| 45–54 | 63 | 38 | 31.0% |
| 55–64 | 44 | 29 | 17.1% |
| 65–74 | 41 | 26 | 32.5% |
Where Dutch Point lends
5 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Connecticut | 230 | 136 | 25.7% | 6.75% | #92 |
Frequently asked questions
Dutch Point denied 28.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 9th percentile of small mortgage lenders.
The most common reason Dutch Point gave in 2025 was "collateral", cited on 30.6% 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 Dutch Point originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.75 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 3% of its applications were for home purchases, 8% for refinancing (including cash-out), and 89% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% 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.