Unnamed lender 254900C1CRYSCHG38F20 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 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%
36th13.2% deniedPricingmedian rate spread over APOR, weight 30%
47th0.29 ptsProcesswithdrawn + incomplete share, weight 15%
74th6.4%Closing coststotal loan costs ÷ loan amount, weight 10%
15th3.23% of loanWhat Unnamed lender 254900C1CRYSCHG38F20 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, 1 manufactured homes, 22 investment properties.
Why Unnamed lender 254900C1CRYSCHG38F20 denies applications
Primary reason reported for each of the 48 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 254900C1CRYSCHG38F20
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 22 | 11 | 47.6% |
| $50k – $100k | 73 | 51 | 20.6% |
| $100k – $150k | 76 | 52 | 25.4% |
| $150k – $250k | 108 | 89 | 2.0% |
| Over $250k | 97 | 85 | 1.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 33 | 10.0% |
| 35–44 | 68 | 53 | 13.9% |
| 45–54 | 84 | 65 | 16.3% |
| 55–64 | 76 | 58 | 11.4% |
| 65–74 | 82 | 63 | 13.0% |
| Over 74 | 26 | 17 | 9.1% |
Where Unnamed lender 254900C1CRYSCHG38F20 lends
3 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Connecticut | 385 | 293 | 12.5% | 6.75% | #66 |
Frequently asked questions
Unnamed lender 254900C1CRYSCHG38F20 denied 13.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 36th percentile of small mortgage lenders.
The most common reason Unnamed lender 254900C1CRYSCHG38F20 gave in 2025 was "debt-to-income ratio", cited on 66.7% 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 254900C1CRYSCHG38F20 originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.29 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 15% of its applications were for home purchases, 30% for refinancing (including cash-out), and 55% 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.