Unnamed lender 2549005FUF02T1IFCA22 at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
8th25.7% deniedPricingmedian rate spread over APOR, weight 30%
50th1.01 ptsProcesswithdrawn + incomplete share, weight 15%
20th14.4%Closing coststotal loan costs ÷ loan amount, weight 10%
45th3.61% of loanWhat Unnamed lender 2549005FUF02T1IFCA22 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, 607 investment properties.
Why Unnamed lender 2549005FUF02T1IFCA22 denies applications
Primary reason reported for each of the 226 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 2549005FUF02T1IFCA22
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 45 | 21 | 51.2% |
| $100k – $150k | 68 | 36 | 41.0% |
| $150k – $250k | 86 | 43 | 38.9% |
| Over $250k | 273 | 190 | 17.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 138 | 81 | 31.7% |
| 35–44 | 299 | 215 | 15.9% |
| 45–54 | 303 | 188 | 25.7% |
| 55–64 | 195 | 114 | 32.5% |
| 65–74 | 68 | 42 | 28.8% |
Where Unnamed lender 2549005FUF02T1IFCA22 lends
46 states and 293 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 263 | 165 | 23.2% | 7.38% | #331 |
| California | 194 | 134 | 17.0% | 7.38% | #367 |
| Texas | 90 | 58 | 12.2% | 7.13% | #580 |
| New Jersey | 77 | 47 | 26.0% | 7.25% | #303 |
| Utah | 50 | 19 | 48.0% | 7.38% | #169 |
| Georgia | 27 | 18 | 22.2% | 7.69% | #531 |
| Colorado | 26 | 16 | 19.2% | 7.31% | #387 |
| Pennsylvania | 25 | 18 | 16.0% | 7.13% | #570 |
| Tennessee | 22 | 13 | 27.3% | 7.50% | #523 |
| North Carolina | 21 | 16 | 14.3% | 7.19% | #520 |
| South Carolina | 20 | 14 | 20.0% | 7.38% | #452 |
| Illinois | 18 | 11 | 27.8% | 7.50% | #608 |
| Alabama | 17 | 12 | 11.8% | 7.31% | #408 |
| New York | 17 | 4 | 41.2% | 8.56% | #420 |
| Oregon | 15 | 12 | 6.7% | 6.75% | #320 |
| Virginia | 15 | 10 | 20.0% | 7.50% | #528 |
| Arizona | 11 | 5 | 45.5% | 7.38% | #497 |
| Delaware | 10 | 9 | 10.0% | 7.13% | #239 |
| Minnesota | 10 | 7 | 20.0% | 7.63% | #465 |
| Missouri | 10 | 4 | 50.0% | 7.31% | #509 |
| Washington | 10 | 6 | 30.0% | 7.19% | #466 |
| Wisconsin | 10 | 7 | 10.0% | 7.25% | #490 |
| Vermont | 7 | 7 | 0.0% | 7.00% | #125 |
| Connecticut | 6 | 3 | 16.7% | 8.00% | #419 |
| Hawaii | 6 | 6 | 0.0% | 7.00% | #183 |
| Ohio | 6 | 3 | 16.7% | 7.25% | #695 |
Frequently asked questions
Unnamed lender 2549005FUF02T1IFCA22 denied 25.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of investment-property lenders.
The most common reason Unnamed lender 2549005FUF02T1IFCA22 gave in 2025 was "collateral", cited on 34.1% 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 2549005FUF02T1IFCA22 originated in 2025 was 7.38%, and its median rate spread over the average prime offer rate was 1.01 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 74% of its applications were for home purchases, 21% for refinancing (including cash-out), and 4% 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.