Unnamed lender 5493001I9VOT1BTB5V75 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%
24th17.8% deniedPricingmedian rate spread over APOR, weight 30%
24th0.61 ptsProcesswithdrawn + incomplete share, weight 15%
35th15.1%Closing coststotal loan costs ÷ loan amount, weight 10%
3rd5.91% of loanTrend, 2024–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2024 | 177 | 143 | 10.2% | 11.2% | 6.75% | $13M |
| 2025 | 172 | 120 | 15.1% | 17.8% | 6.75% | $11M |
What Unnamed lender 5493001I9VOT1BTB5V75 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, 38 manufactured homes, 5 investment properties.
Why Unnamed lender 5493001I9VOT1BTB5V75 denies applications
Primary reason reported for each of the 26 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 5493001I9VOT1BTB5V75
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 53 | 38 | 19.2% |
| $50k – $100k | 83 | 57 | 17.4% |
| $100k – $150k | 23 | 17 | 15.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 31 | 19 | 26.9% |
| 45–54 | 33 | 24 | 14.3% |
| 55–64 | 47 | 34 | 20.9% |
| 65–74 | 30 | 23 | 4.2% |
Where Unnamed lender 5493001I9VOT1BTB5V75 lends
2 states and 17 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Michigan | 166 | 120 | 13.9% | 6.75% | #229 |
Frequently asked questions
Unnamed lender 5493001I9VOT1BTB5V75 denied 17.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 24th percentile of small mortgage lenders.
The most common reason Unnamed lender 5493001I9VOT1BTB5V75 gave in 2025 was "debt-to-income ratio", cited on 53.8% 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 5493001I9VOT1BTB5V75 originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.61 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 16% of its applications were for home purchases, 17% for refinancing (including cash-out), and 67% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 0% 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.