Unnamed lender 2549004XDCE3LGQW7H72 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%
50th9.8% deniedPricingmedian rate spread over APOR, weight 30%
26th0.54 ptsProcesswithdrawn + incomplete share, weight 15%
95th0.0%Closing coststotal loan costs ÷ loan amount, weight 10%
81st1.12% of loanWhat Unnamed lender 2549004XDCE3LGQW7H72 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, 4 manufactured homes, 3 investment properties.
Why Unnamed lender 2549004XDCE3LGQW7H72 denies applications
Primary reason reported for each of the 23 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 2549004XDCE3LGQW7H72
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 27 | 14 | 25.9% |
| $50k – $100k | 85 | 62 | 7.1% |
| $100k – $150k | 51 | 37 | 9.8% |
| $150k – $250k | 47 | 37 | 8.5% |
| Over $250k | 23 | 14 | 4.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 41 | 27 | 7.3% |
| 45–54 | 53 | 37 | 13.2% |
| 55–64 | 48 | 36 | 6.3% |
| 65–74 | 58 | 44 | 10.3% |
| Over 74 | 23 | 13 | 13.0% |
Where Unnamed lender 2549004XDCE3LGQW7H72 lends
40 states and 157 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Minnesota | 47 | 35 | 10.6% | 6.50% | #300 |
| Wisconsin | 23 | 17 | 4.4% | 6.75% | #410 |
| California | 14 | 8 | 14.3% | 6.75% | #687 |
| Florida | 13 | 9 | 7.7% | 6.50% | #845 |
| Illinois | 11 | 10 | 0.0% | 6.55% | #671 |
| Iowa | 9 | 7 | 0.0% | 6.25% | #366 |
| Indiana | 9 | 6 | 11.1% | 6.55% | #555 |
| Ohio | 9 | 7 | 11.1% | 6.75% | #623 |
| Colorado | 8 | 6 | 0.0% | 6.50% | #544 |
| Pennsylvania | 8 | 5 | 0.0% | 6.50% | #725 |
| Texas | 8 | 6 | 12.5% | 6.38% | #1,002 |
| Washington | 7 | 2 | 14.3% | 6.73% | #498 |
| Arizona | 6 | 2 | 33.3% | 6.31% | #585 |
| Nebraska | 6 | 4 | 0.0% | 6.93% | #290 |
| Michigan | 5 | 4 | 20.0% | 6.30% | #590 |
| Missouri | 5 | 5 | 0.0% | 7.35% | #596 |
Frequently asked questions
Unnamed lender 2549004XDCE3LGQW7H72 denied 9.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 50th percentile of small mortgage lenders.
The most common reason Unnamed lender 2549004XDCE3LGQW7H72 gave in 2025 was "debt-to-income ratio", cited on 65.2% 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 Unnamed lender 2549004XDCE3LGQW7H72 originated in 2025 was 6.60%, and its median rate spread over the average prime offer rate was 0.54 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 21% of its applications were for home purchases, 18% for refinancing (including cash-out), and 61% 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.