Unnamed lender 549300UK9R93LGQHOV21 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 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%
97th0.4% deniedPricingmedian rate spread over APOR, weight 30%
99th-0.97 ptsProcesswithdrawn + incomplete share, weight 15%
64th8.7%Closing coststotal loan costs ÷ loan amount, weight 10%
25th2.70% of loanWhat Unnamed lender 549300UK9R93LGQHOV21 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, 14 investment properties.
Why Unnamed lender 549300UK9R93LGQHOV21 denies applications
Primary reason reported for each of the 2 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 549300UK9R93LGQHOV21
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 225 | 210 | 0.0% |
| $100k – $150k | 193 | 174 | 0.6% |
| $150k – $250k | 98 | 88 | 1.1% |
| Over $250k | 25 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 60 | 57 | 0.0% |
| 25–34 | 196 | 183 | 0.0% |
| 35–44 | 137 | 122 | 0.8% |
| 45–54 | 83 | 73 | 0.0% |
| 55–64 | 50 | 44 | 2.2% |
Where Unnamed lender 549300UK9R93LGQHOV21 lends
2 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 553 | 505 | 0.4% | 5.25% | #245 |
Frequently asked questions
Unnamed lender 549300UK9R93LGQHOV21 denied 0.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 97th percentile of small mortgage lenders.
The most common reason Unnamed lender 549300UK9R93LGQHOV21 gave in 2025 was "unverifiable information", cited on 50.0% 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 549300UK9R93LGQHOV21 originated in 2025 was 5.25%, and its median rate spread over the average prime offer rate was -0.97 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: 21% conventional, 52% FHA, 26% 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.