Unnamed lender 2549005Z23HAAZ6QDM98 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%
92nd1.3% deniedPricingmedian rate spread over APOR, weight 30%
29th0.50 ptsProcesswithdrawn + incomplete share, weight 15%
21st19.4%Closing coststotal loan costs ÷ loan amount, weight 10%
15th3.22% of loanWhat Unnamed lender 2549005Z23HAAZ6QDM98 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, 5 manufactured homes, 40 investment properties.
Why Unnamed lender 2549005Z23HAAZ6QDM98 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 Unnamed lender 2549005Z23HAAZ6QDM98
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 50 | 33 | 10.8% |
| $50k – $100k | 260 | 205 | 1.0% |
| $100k – $150k | 194 | 160 | 0.6% |
| $150k – $250k | 99 | 77 | 0.0% |
| Over $250k | 44 | 36 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 76 | 59 | 1.6% |
| 25–34 | 200 | 167 | 1.2% |
| 35–44 | 151 | 120 | 0.0% |
| 45–54 | 117 | 88 | 1.1% |
| 55–64 | 61 | 46 | 2.1% |
| 65–74 | 36 | 28 | 6.5% |
Where Unnamed lender 2549005Z23HAAZ6QDM98 lends
19 states and 79 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Unnamed lender 2549005Z23HAAZ6QDM98 denied 1.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 92nd percentile of small mortgage lenders.
The most common reason Unnamed lender 2549005Z23HAAZ6QDM98 gave in 2025 was "unverifiable information", 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 Unnamed lender 2549005Z23HAAZ6QDM98 originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.50 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 89% of its applications were for home purchases, 11% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 55% conventional, 34% FHA, 8% 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.