Inwood National Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
79th3.9% deniedPricingmedian rate spread over APOR, weight 30%
88th-0.12 ptsProcesswithdrawn + incomplete share, weight 15%
42nd13.4%Closing coststotal loan costs ÷ loan amount, weight 10%
72nd1.33% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 220 | 171 | 5.5% | 6.5% | 6.88% | $84M |
| 2024 | 220 | 182 | 4.1% | 4.7% | 6.63% | $88M |
| 2025 | 209 | 173 | 3.4% | 3.9% | 6.49% | $128M |
What Inwood National Bank 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, 0 manufactured homes, 52 investment properties.
Why Inwood National Bank denies applications
Primary reason reported for each of the 7 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Inwood National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 24 | 19 | 9.5% |
| $100k – $150k | 31 | 22 | 8.3% |
| $150k – $250k | 50 | 37 | 5.1% |
| Over $250k | 54 | 49 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 61 | 49 | 5.8% |
| 35–44 | 40 | 33 | 0.0% |
| 45–54 | 20 | 15 | 11.8% |
| 55–64 | 28 | 25 | 0.0% |
Where Inwood National Bank lends
8 states and 36 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 200 | 168 | 3.5% | 6.49% | #416 |
Frequently asked questions
Inwood National Bank denied 3.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 79th percentile of small mortgage lenders.
The most common reason Inwood National Bank gave in 2025 was "other", cited on 42.9% 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 Inwood National Bank originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was -0.12 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 68% of its applications were for home purchases, 23% for refinancing (including cash-out), and 9% for home improvement or other purposes. By loan type: 92% 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.