Unnamed lender 254900DIWCHEQWZ9GV45 at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
83rd3.1% deniedProcesswithdrawn + incomplete share, weight 15%
83rd3.7%Closing coststotal loan costs ÷ loan amount, weight 10%
95th0.47% of loanWhat Unnamed lender 254900DIWCHEQWZ9GV45 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, 15 manufactured homes, 5 investment properties.
Why Unnamed lender 254900DIWCHEQWZ9GV45 denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 254900DIWCHEQWZ9GV45
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 29 | 29 | 0.0% |
| $50k – $100k | 67 | 62 | 4.6% |
| $100k – $150k | 26 | 24 | 4.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 23 | 20 | 9.1% |
| 45–54 | 30 | 27 | 6.9% |
| 65–74 | 26 | 25 | 0.0% |
Where Unnamed lender 254900DIWCHEQWZ9GV45 lends
1 states and 22 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 134 | 125 | 3.0% | 7.00% | #243 |
Frequently asked questions
Unnamed lender 254900DIWCHEQWZ9GV45 denied 3.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 83rd percentile of small mortgage lenders.
The most common reason Unnamed lender 254900DIWCHEQWZ9GV45 gave in 2025 was "credit history", cited on 100.0% 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 254900DIWCHEQWZ9GV45 originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 1.32 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 23% of its applications were for home purchases, 24% for refinancing (including cash-out), and 53% 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.