Unnamed lender 9845005BP6974AE5D838 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 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
8th23.6% deniedPricingmedian rate spread over APOR, weight 30%
53rd1.01 ptsProcesswithdrawn + incomplete share, weight 15%
19th15.5%Closing coststotal loan costs ÷ loan amount, weight 10%
21st4.21% of loanWhat Unnamed lender 9845005BP6974AE5D838 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, 1,187 investment properties.
Why Unnamed lender 9845005BP6974AE5D838 denies applications
Primary reason reported for each of the 330 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 9845005BP6974AE5D838
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 229 | 180 | 6.5% |
| $50k – $100k | 84 | 36 | 30.0% |
| $100k – $150k | 69 | 32 | 24.5% |
| $150k – $250k | 119 | 58 | 19.1% |
| Over $250k | 272 | 128 | 19.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 35 | 10 | 58.1% |
| 25–34 | 201 | 96 | 20.5% |
| 35–44 | 411 | 192 | 21.0% |
| 45–54 | 479 | 211 | 22.4% |
| 55–64 | 350 | 147 | 26.9% |
| 65–74 | 122 | 62 | 17.8% |
| Over 74 | 52 | 22 | 32.6% |
Where Unnamed lender 9845005BP6974AE5D838 lends
43 states and 383 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 414 | 201 | 15.5% | 7.12% | #284 |
| Florida | 284 | 130 | 14.8% | 7.00% | #316 |
| Texas | 164 | 78 | 21.3% | 7.12% | #454 |
| Georgia | 91 | 43 | 28.6% | 7.00% | #352 |
| Tennessee | 61 | 37 | 11.5% | 7.37% | #381 |
| Pennsylvania | 56 | 32 | 23.2% | 6.99% | #475 |
| New York | 48 | 13 | 45.8% | 7.13% | #336 |
| North Carolina | 47 | 20 | 25.5% | 7.00% | #411 |
| Washington | 46 | 25 | 6.5% | 7.12% | #302 |
| Virginia | 44 | 14 | 6.8% | 6.87% | #390 |
| South Carolina | 42 | 25 | 19.1% | 7.38% | #366 |
| New Jersey | 35 | 12 | 20.0% | 6.93% | #390 |
| Arizona | 28 | 10 | 21.4% | 6.81% | #387 |
| Michigan | 25 | 7 | 28.0% | 7.49% | #408 |
| Alabama | 24 | 12 | 25.0% | 7.56% | #379 |
| Ohio | 22 | 8 | 40.9% | 7.37% | #513 |
| Connecticut | 21 | 10 | 19.1% | 7.44% | #297 |
| Maryland | 20 | 4 | 65.0% | 7.31% | #413 |
| Missouri | 20 | 10 | 25.0% | 7.00% | #436 |
| Utah | 18 | 1 | 38.9% | 7.99% | #248 |
| Massachusetts | 17 | 5 | 35.3% | 7.00% | #426 |
| Colorado | 15 | 5 | 26.7% | 6.87% | #455 |
| Nevada | 13 | 6 | 15.4% | 7.25% | #298 |
| Oklahoma | 13 | 7 | 7.7% | 6.38% | #371 |
| Illinois | 12 | 2 | 33.3% | 7.62% | #666 |
| Louisiana | 12 | 5 | 8.3% | 7.87% | #359 |
| Indiana | 7 | 1 | 71.4% | 8.62% | #605 |
| Kentucky | 7 | 0 | 0.0% | — | #455 |
| Rhode Island | 6 | 1 | 16.7% | 5.99% | #222 |
| Delaware | 5 | 3 | 40.0% | 7.25% | #324 |
| Hawaii | 5 | 3 | 20.0% | 6.62% | #193 |
| Idaho | 5 | 2 | 20.0% | 7.50% | #325 |
Frequently asked questions
Unnamed lender 9845005BP6974AE5D838 denied 23.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 8th percentile of investment-property lenders.
The most common reason Unnamed lender 9845005BP6974AE5D838 gave in 2025 was "other", cited on 53.6% 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 9845005BP6974AE5D838 originated in 2025 was 7.12%, and its median rate spread over the average prime offer rate was 1.01 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 45% of its applications were for home purchases, 53% for refinancing (including cash-out), and 2% for home improvement or other purposes. By loan type: 100% 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.