Unnamed lender 549300MPZDD9EFQ1E963 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%
81st3.4% deniedPricingmedian rate spread over APOR, weight 30%
19th0.72 ptsProcesswithdrawn + incomplete share, weight 15%
0th57.9%Closing coststotal loan costs ÷ loan amount, weight 10%
46th2.02% of loanWhat Unnamed lender 549300MPZDD9EFQ1E963 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: 1 home-equity lines, 0 reverse mortgages, 5 manufactured homes, 170 investment properties.
Why Unnamed lender 549300MPZDD9EFQ1E963 denies applications
Primary reason reported for each of the 12 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 549300MPZDD9EFQ1E963
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 124 | 47 | 2.1% |
| 35–44 | 244 | 98 | 1.9% |
| 45–54 | 209 | 87 | 5.4% |
| 55–64 | 131 | 58 | 4.8% |
| 65–74 | 68 | 28 | 0.0% |
| Over 74 | 37 | 12 | 7.7% |
Where Unnamed lender 549300MPZDD9EFQ1E963 lends
24 states and 90 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 552 | 300 | 1.1% | 7.00% | #248 |
| Texas | 54 | 22 | 5.6% | 6.13% | #695 |
| Florida | 11 | 2 | 0.0% | 7.18% | #894 |
| Georgia | 7 | 0 | 0.0% | — | #715 |
| North Carolina | 7 | 4 | 0.0% | 6.75% | #677 |
| Colorado | 6 | 1 | 33.3% | 6.88% | #592 |
| Tennessee | 6 | 2 | 0.0% | 7.06% | #709 |
| Arizona | 5 | 0 | 20.0% | — | #623 |
| South Carolina | 5 | 0 | 0.0% | — | #633 |
Frequently asked questions
Unnamed lender 549300MPZDD9EFQ1E963 denied 3.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 81st percentile of small mortgage lenders.
The most common reason Unnamed lender 549300MPZDD9EFQ1E963 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 549300MPZDD9EFQ1E963 originated in 2025 was 6.99%, and its median rate spread over the average prime offer rate was 0.72 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 71% of its applications were for home purchases, 27% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 85% conventional, 13% FHA, 2% 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.