Unnamed lender 894500CFQPXSLHK0OK52 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%
95th0.7% deniedPricingmedian rate spread over APOR, weight 30%
41st0.35 ptsProcesswithdrawn + incomplete share, weight 15%
19th20.2%Closing coststotal loan costs ÷ loan amount, weight 10%
20th2.94% of loanWhat Unnamed lender 894500CFQPXSLHK0OK52 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, 75 manufactured homes, 41 investment properties.
Why Unnamed lender 894500CFQPXSLHK0OK52 denies applications
Primary reason reported for each of the 5 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 894500CFQPXSLHK0OK52
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 92 | 64 | 0.0% |
| $50k – $100k | 407 | 340 | 0.9% |
| $100k – $150k | 226 | 172 | 0.6% |
| $150k – $250k | 104 | 79 | 0.0% |
| Over $250k | 61 | 47 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 88 | 76 | 0.0% |
| 25–34 | 230 | 193 | 0.0% |
| 35–44 | 196 | 154 | 1.9% |
| 45–54 | 142 | 107 | 0.9% |
| 55–64 | 136 | 100 | 0.0% |
| 65–74 | 78 | 56 | 0.0% |
| Over 74 | 25 | 19 | 5.0% |
Where Unnamed lender 894500CFQPXSLHK0OK52 lends
13 states and 76 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Carolina | 760 | 606 | 0.5% | 6.63% | #76 |
| North Carolina | 64 | 49 | 1.6% | 6.49% | #368 |
| Virginia | 21 | 18 | 0.0% | 6.75% | #483 |
| Arizona | 16 | 11 | 0.0% | 6.06% | #446 |
| Alabama | 8 | 4 | 0.0% | 6.56% | #509 |
| Florida | 8 | 5 | 0.0% | 6.50% | #990 |
| Georgia | 5 | 5 | 0.0% | 6.88% | #756 |
Frequently asked questions
Unnamed lender 894500CFQPXSLHK0OK52 denied 0.7% 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 894500CFQPXSLHK0OK52 gave in 2025 was "debt-to-income ratio", cited on 60.0% 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 894500CFQPXSLHK0OK52 originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.35 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 94% of its applications were for home purchases, 6% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 59% conventional, 29% FHA, 10% 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.