Unnamed lender 254900J2RKTTDJSUWD76 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%
96th0.6% deniedPricingmedian rate spread over APOR, weight 30%
10th1.11 ptsProcesswithdrawn + incomplete share, weight 15%
15th22.3%Closing coststotal loan costs ÷ loan amount, weight 10%
6th4.80% of loanWhat Unnamed lender 254900J2RKTTDJSUWD76 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, 10 manufactured homes, 67 investment properties.
Why Unnamed lender 254900J2RKTTDJSUWD76 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 254900J2RKTTDJSUWD76
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 26 | 0.0% |
| $50k – $100k | 247 | 195 | 1.0% |
| $100k – $150k | 258 | 198 | 1.0% |
| $150k – $250k | 160 | 130 | 0.0% |
| Over $250k | 80 | 64 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 58 | 47 | 2.1% |
| 25–34 | 207 | 160 | 0.0% |
| 35–44 | 252 | 204 | 0.5% |
| 45–54 | 172 | 136 | 0.7% |
| 55–64 | 102 | 73 | 0.0% |
| 65–74 | 45 | 28 | 3.5% |
Where Unnamed lender 254900J2RKTTDJSUWD76 lends
27 states and 202 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 294 | 250 | 0.0% | 6.88% | #340 |
| Florida | 173 | 128 | 1.2% | 6.63% | #392 |
| California | 118 | 88 | 0.0% | 6.63% | #414 |
| Georgia | 43 | 38 | 0.0% | 6.75% | #457 |
| Ohio | 40 | 30 | 5.0% | 6.75% | #435 |
| New Jersey | 26 | 18 | 0.0% | 6.56% | #418 |
| Indiana | 21 | 19 | 0.0% | 6.75% | #450 |
| Utah | 20 | 9 | 0.0% | 6.63% | #238 |
| Tennessee | 18 | 16 | 0.0% | 6.56% | #552 |
| Arizona | 16 | 14 | 0.0% | 7.13% | #449 |
| North Carolina | 10 | 4 | 0.0% | 6.81% | #626 |
| Illinois | 9 | 7 | 0.0% | 6.99% | #702 |
| Pennsylvania | 8 | 4 | 0.0% | 6.56% | #720 |
| South Carolina | 8 | 4 | 0.0% | 6.69% | #566 |
| Alaska | 7 | 6 | 0.0% | 7.12% | #117 |
| Maryland | 7 | 5 | 0.0% | 6.49% | #514 |
| Oregon | 7 | 2 | 0.0% | 7.06% | #404 |
| Michigan | 5 | 2 | 0.0% | 6.94% | #605 |
Frequently asked questions
Unnamed lender 254900J2RKTTDJSUWD76 denied 0.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 96th percentile of small mortgage lenders.
The most common reason Unnamed lender 254900J2RKTTDJSUWD76 gave in 2025 was "debt-to-income ratio", 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 254900J2RKTTDJSUWD76 originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 1.11 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 84% of its applications were for home purchases, 16% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 37% conventional, 58% FHA, 5% 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.