Unnamed lender 254900F4GAYA092QOZ09 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%
97th0.0% deniedPricingmedian rate spread over APOR, weight 30%
68th0.14 ptsProcesswithdrawn + incomplete share, weight 15%
51st11.4%Closing coststotal loan costs ÷ loan amount, weight 10%
58th1.73% of loanWhat Unnamed lender 254900F4GAYA092QOZ09 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, 38 investment properties.
Who gets approved at Unnamed lender 254900F4GAYA092QOZ09
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 45 | 38 | 0.0% |
| $100k – $150k | 66 | 61 | 0.0% |
| $150k – $250k | 34 | 29 | 0.0% |
| Over $250k | 21 | 19 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 61 | 55 | 0.0% |
| 35–44 | 42 | 40 | 0.0% |
| 45–54 | 37 | 30 | 0.0% |
Where Unnamed lender 254900F4GAYA092QOZ09 lends
1 states and 8 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 167 | 148 | 0.0% | 6.63% | #266 |
Frequently asked questions
Unnamed lender 254900F4GAYA092QOZ09 denied 0.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The median interest rate on loans Unnamed lender 254900F4GAYA092QOZ09 originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.14 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 99% of its applications were for home purchases, 1% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 65% conventional, 28% 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.