Unnamed lender 254900CTT87ZKAUTIJ37 at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F 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%
11th19.7% deniedProcesswithdrawn + incomplete share, weight 15%
14th20.1%What Unnamed lender 254900CTT87ZKAUTIJ37 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, 7,767 investment properties.
Why Unnamed lender 254900CTT87ZKAUTIJ37 denies applications
Primary reason reported for each of the 1,220 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 254900CTT87ZKAUTIJ37
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 106 | 63 | 22.4% |
| 35–44 | 198 | 124 | 22.1% |
| 45–54 | 164 | 108 | 14.7% |
| 55–64 | 93 | 61 | 12.7% |
| 65–74 | 53 | 29 | 8.6% |
| Over 74 | 23 | 17 | 10.5% |
Where Unnamed lender 254900CTT87ZKAUTIJ37 lends
49 states and 911 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 854 | 577 | 14.2% | 7.99% | #107 |
| Ohio | 761 | 524 | 13.0% | 7.81% | #106 |
| Florida | 711 | 354 | 22.6% | 9.75% | #196 |
| Texas | 604 | 373 | 14.7% | 8.88% | #229 |
| Maryland | 557 | 352 | 14.7% | 7.63% | #81 |
| California | 429 | 261 | 14.5% | 10.25% | #280 |
| Georgia | 386 | 217 | 17.9% | 8.38% | #175 |
| Missouri | 314 | 208 | 11.8% | 7.99% | #128 |
| Michigan | 305 | 219 | 15.1% | 7.88% | #170 |
| North Carolina | 291 | 185 | 15.5% | 8.25% | #199 |
| Illinois | 267 | 168 | 17.6% | 8.56% | #210 |
| Oklahoma | 264 | 194 | 8.0% | 7.50% | #105 |
| Tennessee | 239 | 154 | 14.2% | 8.50% | #192 |
| Alabama | 190 | 106 | 18.4% | 8.38% | #157 |
| Indiana | 167 | 113 | 14.4% | 7.75% | #221 |
| Virginia | 166 | 117 | 13.9% | 7.63% | #226 |
| South Carolina | 115 | 72 | 20.0% | 8.06% | #241 |
| Arizona | 112 | 63 | 22.3% | 7.99% | #231 |
| Washington | 109 | 60 | 19.3% | 10.25% | #232 |
| Kentucky | 78 | 53 | 15.4% | 7.88% | #230 |
| Hawaii | 69 | 42 | 10.1% | 10.19% | #74 |
| Nevada | 63 | 27 | 23.8% | 9.99% | #184 |
| Mississippi | 62 | 50 | 11.3% | 7.99% | #158 |
| Kansas | 61 | 48 | 14.8% | 7.50% | #207 |
| New Jersey | 59 | 36 | 18.6% | 8.06% | #334 |
| Wisconsin | 59 | 45 | 11.9% | 7.88% | #315 |
| Colorado | 58 | 38 | 8.6% | 10.56% | #285 |
| Louisiana | 56 | 29 | 21.4% | 8.13% | #239 |
| Oregon | 51 | 29 | 29.4% | 10.13% | #220 |
| Connecticut | 45 | 29 | 11.1% | 7.99% | #227 |
| Massachusetts | 36 | 17 | 16.7% | 10.13% | #363 |
| Iowa | 32 | 16 | 18.8% | 7.75% | #265 |
| Idaho | 25 | 15 | 16.0% | 7.63% | #209 |
| Minnesota | 24 | 15 | 25.0% | 8.99% | #371 |
| District of Columbia | 23 | 12 | 26.1% | 9.49% | #111 |
| Arkansas | 21 | 12 | 23.8% | 7.69% | #282 |
| Utah | 19 | 7 | 10.5% | 11.38% | #243 |
| New Mexico | 15 | 9 | 6.7% | 7.50% | #223 |
| Delaware | 13 | 12 | 7.7% | 7.38% | #217 |
| Maine | 13 | 5 | 30.8% | 7.75% | #198 |
| West Virginia | 13 | 5 | 23.1% | 7.25% | #232 |
| New Hampshire | 10 | 6 | 20.0% | 9.50% | #256 |
| Nebraska | 6 | 5 | 0.0% | 7.75% | #282 |
| Montana | 5 | 2 | 40.0% | 11.49% | #233 |
Frequently asked questions
Unnamed lender 254900CTT87ZKAUTIJ37 denied 19.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 11th percentile of investment-property lenders.
The most common reason Unnamed lender 254900CTT87ZKAUTIJ37 gave in 2025 was "collateral", cited on 54.8% 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 254900CTT87ZKAUTIJ37 originated in 2025 was 7.99%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 67% of its applications were for home purchases, 32% for refinancing (including cash-out), and 1% 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.