Unnamed lender 254900YZ174H294JW398 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 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
90th2.8% deniedPricingmedian rate spread over APOR, weight 30%
89th-0.12 ptsProcesswithdrawn + incomplete share, weight 15%
94th5.6%Closing coststotal loan costs ÷ loan amount, weight 10%
83rd1.41% of loanWhat Unnamed lender 254900YZ174H294JW398 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, 60 investment properties.
Why Unnamed lender 254900YZ174H294JW398 denies applications
Primary reason reported for each of the 95 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 254900YZ174H294JW398
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 296 | 214 | 7.6% |
| $100k – $150k | 909 | 729 | 3.7% |
| $150k – $250k | 1,505 | 1,210 | 1.3% |
| Over $250k | 839 | 632 | 1.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 70 | 53 | 4.5% |
| 25–34 | 1,095 | 896 | 2.5% |
| 35–44 | 1,170 | 906 | 3.6% |
| 45–54 | 700 | 538 | 2.1% |
| 55–64 | 334 | 249 | 3.2% |
| 65–74 | 152 | 115 | 1.4% |
| Over 74 | 45 | 31 | 2.4% |
Where Unnamed lender 254900YZ174H294JW398 lends
12 states and 54 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 1,105 | 869 | 2.7% | 6.00% | #164 |
| California | 917 | 709 | 3.4% | 5.99% | #185 |
| Arizona | 470 | 376 | 1.1% | 6.63% | #116 |
| North Carolina | 326 | 279 | 1.2% | 6.38% | #186 |
| Nevada | 248 | 177 | 4.8% | 6.00% | #92 |
| Washington | 215 | 177 | 1.4% | 6.25% | #186 |
| Virginia | 132 | 96 | 3.0% | 6.38% | #259 |
| Colorado | 86 | 62 | 5.8% | 5.63% | #241 |
| Maryland | 47 | 29 | 0.0% | 6.50% | #323 |
| District of Columbia | 8 | 8 | 0.0% | 6.44% | #205 |
| South Carolina | 7 | 6 | 0.0% | 5.63% | #583 |
Frequently asked questions
Unnamed lender 254900YZ174H294JW398 denied 2.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 90th percentile of mid-size mortgage lenders.
The most common reason Unnamed lender 254900YZ174H294JW398 gave in 2025 was "debt-to-income ratio", cited on 81.1% 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 254900YZ174H294JW398 originated in 2025 was 6.13%, and its median rate spread over the average prime offer rate was -0.12 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 100% of its applications were for home purchases, 0% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 81% conventional, 10% FHA, 9% 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.