Unnamed lender 254900HL2VMAYA3J5494 at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
24th18.0% deniedPricingmedian rate spread over APOR, weight 30%
29th0.50 ptsProcesswithdrawn + incomplete share, weight 15%
11th24.8%Closing coststotal loan costs ÷ loan amount, weight 10%
60th1.65% of loanWhat Unnamed lender 254900HL2VMAYA3J5494 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, 44 investment properties.
Why Unnamed lender 254900HL2VMAYA3J5494 denies applications
Primary reason reported for each of the 42 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 254900HL2VMAYA3J5494
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 27 | 10 | 21.4% |
| $100k – $150k | 33 | 16 | 26.9% |
| $150k – $250k | 57 | 36 | 15.6% |
| Over $250k | 176 | 101 | 14.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 51 | 30 | 13.2% |
| 35–44 | 82 | 53 | 8.1% |
| 45–54 | 78 | 42 | 25.4% |
| 55–64 | 66 | 29 | 16.7% |
| 65–74 | 26 | 15 | 30.4% |
Where Unnamed lender 254900HL2VMAYA3J5494 lends
21 states and 76 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 256 | 136 | 15.2% | 7.25% | #333 |
| Tennessee | 8 | 6 | 0.0% | 5.99% | #658 |
| California | 7 | 5 | 0.0% | 7.25% | #773 |
| Georgia | 7 | 6 | 0.0% | 7.06% | #716 |
| North Carolina | 5 | 3 | 20.0% | 6.62% | #729 |
Frequently asked questions
Unnamed lender 254900HL2VMAYA3J5494 denied 18.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 24th percentile of small mortgage lenders.
The most common reason Unnamed lender 254900HL2VMAYA3J5494 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 254900HL2VMAYA3J5494 originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.50 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 82% of its applications were for home purchases, 18% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 93% conventional, 3% FHA, 4% 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.