Unnamed lender 254900K39SBWA2QOUF69 at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
95th0.9% deniedPricingmedian rate spread over APOR, weight 30%
53rd0.24 ptsProcesswithdrawn + incomplete share, weight 15%
14th22.8%Closing coststotal loan costs ÷ loan amount, weight 10%
35th2.30% of loanWhat Unnamed lender 254900K39SBWA2QOUF69 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, 13 manufactured homes, 68 investment properties.
Why Unnamed lender 254900K39SBWA2QOUF69 denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 254900K39SBWA2QOUF69
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 112 | 77 | 2.5% |
| $100k – $150k | 99 | 79 | 1.2% |
| $150k – $250k | 103 | 83 | 0.0% |
| Over $250k | 119 | 90 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 131 | 109 | 0.9% |
| 35–44 | 141 | 102 | 0.9% |
| 45–54 | 109 | 79 | 0.0% |
| 55–64 | 38 | 27 | 0.0% |
Where Unnamed lender 254900K39SBWA2QOUF69 lends
14 states and 85 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 352 | 276 | 0.9% | 6.50% | #315 |
| Florida | 28 | 18 | 0.0% | 6.93% | #702 |
| Oklahoma | 22 | 9 | 0.0% | 6.88% | #326 |
| Alaska | 16 | 14 | 0.0% | 6.50% | #89 |
| New Mexico | 14 | 11 | 0.0% | 7.00% | #232 |
| South Carolina | 10 | 8 | 0.0% | 6.06% | #537 |
Frequently asked questions
Unnamed lender 254900K39SBWA2QOUF69 denied 0.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 95th percentile of small mortgage lenders.
The most common reason Unnamed lender 254900K39SBWA2QOUF69 gave in 2025 was "credit history", cited on 66.7% 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 254900K39SBWA2QOUF69 originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.24 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 81% of its applications were for home purchases, 19% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 75% conventional, 17% 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.