Unnamed lender 254900A6RJO3HDSWBD64 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%
90th1.9% deniedPricingmedian rate spread over APOR, weight 30%
58th0.21 ptsProcesswithdrawn + incomplete share, weight 15%
1st50.2%Closing coststotal loan costs ÷ loan amount, weight 10%
72nd1.34% of loanWhat Unnamed lender 254900A6RJO3HDSWBD64 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, 13 investment properties.
Why Unnamed lender 254900A6RJO3HDSWBD64 denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 254900A6RJO3HDSWBD64
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 89 | 54 | 0.0% |
| $100k – $150k | 72 | 32 | 3.0% |
| $150k – $250k | 33 | 15 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 21 | 12 | 0.0% |
| 25–34 | 67 | 33 | 0.0% |
| 35–44 | 60 | 28 | 0.0% |
| 45–54 | 25 | 11 | 8.3% |
| 55–64 | 23 | 12 | 7.7% |
Where Unnamed lender 254900A6RJO3HDSWBD64 lends
1 states and 6 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 217 | 106 | 0.9% | 6.13% | #171 |
Frequently asked questions
Unnamed lender 254900A6RJO3HDSWBD64 denied 1.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 90th percentile of small mortgage lenders.
The most common reason Unnamed lender 254900A6RJO3HDSWBD64 gave in 2025 was "debt-to-income ratio", cited on 50.0% 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 254900A6RJO3HDSWBD64 originated in 2025 was 6.13%, and its median rate spread over the average prime offer rate was 0.21 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 91% of its applications were for home purchases, 9% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 62% conventional, 33% FHA, 5% 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.