Unnamed lender 98450062C847FDDA7405 at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F 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%
4th39.4% deniedProcesswithdrawn + incomplete share, weight 15%
16th21.3%Closing coststotal loan costs ÷ loan amount, weight 10%
6th4.56% of loanWhat Unnamed lender 98450062C847FDDA7405 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, 5 manufactured homes, 15 investment properties.
Why Unnamed lender 98450062C847FDDA7405 denies applications
Primary reason reported for each of the 61 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 98450062C847FDDA7405
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 35 | 9 | 67.9% |
| $50k – $100k | 73 | 33 | 45.0% |
| $100k – $150k | 49 | 29 | 25.0% |
| $150k – $250k | 20 | 13 | 13.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 25 | 15 | 30.4% |
| 35–44 | 45 | 20 | 47.4% |
| 45–54 | 57 | 24 | 38.5% |
| 55–64 | 35 | 19 | 34.5% |
| 65–74 | 23 | 10 | 37.5% |
Where Unnamed lender 98450062C847FDDA7405 lends
2 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alabama | 189 | 93 | 31.8% | 6.38% | #158 |
Frequently asked questions
Unnamed lender 98450062C847FDDA7405 denied 39.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of small mortgage lenders.
The most common reason Unnamed lender 98450062C847FDDA7405 gave in 2025 was "credit history", cited on 47.5% 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 98450062C847FDDA7405 originated in 2025 was 6.38%, and its median rate spread over the average prime offer rate was -0.13 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 27% of its applications were for home purchases, 55% for refinancing (including cash-out), and 18% 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.