Keesler 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 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
4th48.6% deniedPricingmedian rate spread over APOR, weight 30%
77th-0.43 ptsProcesswithdrawn + incomplete share, weight 15%
35th15.2%Closing coststotal loan costs ÷ loan amount, weight 10%
21st4.45% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,167 | 1,000 | 35.3% | 43.2% | 3.49% | $140M |
| 2024 | 2,511 | 1,053 | 39.5% | 48.2% | 5.75% | $153M |
| 2025 | 3,127 | 1,337 | 41.2% | 48.6% | 6.88% | $226M |
What Keesler 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: 1,604 home-equity lines, 0 reverse mortgages, 30 manufactured homes, 122 investment properties.
Why Keesler denies applications
Primary reason reported for each of the 1,288 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Keesler
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 464 | 91 | 76.4% |
| $50k – $100k | 1,208 | 513 | 49.0% |
| $100k – $150k | 763 | 386 | 39.0% |
| $150k – $250k | 445 | 224 | 39.3% |
| Over $250k | 154 | 63 | 46.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 87 | 42 | 41.7% |
| 25–34 | 512 | 230 | 43.8% |
| 35–44 | 723 | 310 | 49.8% |
| 45–54 | 705 | 291 | 50.5% |
| 55–64 | 561 | 237 | 49.3% |
| 65–74 | 346 | 135 | 53.5% |
| Over 74 | 139 | 46 | 55.1% |
Where Keesler lends
4 states and 123 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Mississippi | 2,422 | 1,066 | 40.4% | 6.75% | #12 |
| Louisiana | 514 | 183 | 49.6% | 7.25% | #55 |
| Alabama | 155 | 71 | 29.0% | 6.13% | #178 |
| Florida | 36 | 17 | 27.8% | 5.88% | #652 |
Frequently asked questions
Keesler denied 48.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of home-equity (HELOC) lenders.
The most common reason Keesler gave in 2025 was "other", cited on 37.4% 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 Keesler originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was -0.43 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 30% of its applications were for home purchases, 25% for refinancing (including cash-out), and 45% for home improvement or other purposes. By loan type: 81% conventional, 12% FHA, 6% 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.