Unnamed lender 9845007CY0EC0F59W414 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%
71st5.4% deniedPricingmedian rate spread over APOR, weight 30%
17th0.78 ptsProcesswithdrawn + incomplete share, weight 15%
5th30.1%Closing coststotal loan costs ÷ loan amount, weight 10%
17th3.13% of loanWhat Unnamed lender 9845007CY0EC0F59W414 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, 587 investment properties.
Why Unnamed lender 9845007CY0EC0F59W414 denies applications
Primary reason reported for each of the 46 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Unnamed lender 9845007CY0EC0F59W414
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 36 | 22 | 15.4% |
| $50k – $100k | 78 | 47 | 7.8% |
| $100k – $150k | 106 | 82 | 5.8% |
| $150k – $250k | 220 | 152 | 3.1% |
| Over $250k | 376 | 228 | 4.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 31 | 23 | 4.2% |
| 25–34 | 141 | 95 | 4.0% |
| 35–44 | 363 | 237 | 4.4% |
| 45–54 | 370 | 259 | 4.4% |
| 55–64 | 215 | 133 | 7.2% |
| 65–74 | 71 | 38 | 15.6% |
| Over 74 | 35 | 15 | 0.0% |
Where Unnamed lender 9845007CY0EC0F59W414 lends
33 states and 198 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| California | 595 | 391 | 3.5% | 7.00% | #236 |
| Texas | 155 | 104 | 1.9% | 6.75% | #469 |
| Georgia | 116 | 81 | 4.3% | 7.00% | #319 |
| Florida | 111 | 62 | 4.5% | 6.88% | #465 |
| Pennsylvania | 55 | 36 | 3.6% | 7.13% | #481 |
| Oklahoma | 38 | 24 | 2.6% | 6.88% | #284 |
| Virginia | 27 | 17 | 14.8% | 7.13% | #457 |
| New Jersey | 20 | 14 | 0.0% | 6.94% | #454 |
| Hawaii | 13 | 7 | 0.0% | 6.75% | #160 |
| South Carolina | 11 | 6 | 9.1% | 6.38% | #520 |
| Maryland | 10 | 8 | 0.0% | 7.25% | #472 |
| Ohio | 10 | 9 | 0.0% | 6.63% | #607 |
| Tennessee | 10 | 4 | 0.0% | 7.19% | #637 |
| Colorado | 6 | 3 | 0.0% | 7.00% | #590 |
| North Carolina | 5 | 4 | 0.0% | 6.50% | #741 |
| New York | 5 | 1 | 0.0% | 6.75% | #510 |
| Washington | 5 | 2 | 40.0% | 7.06% | #539 |
Frequently asked questions
Unnamed lender 9845007CY0EC0F59W414 denied 5.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 71st percentile of small mortgage lenders.
The most common reason Unnamed lender 9845007CY0EC0F59W414 gave in 2025 was "collateral", cited on 47.8% 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 9845007CY0EC0F59W414 originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.78 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 55% of its applications were for home purchases, 38% for refinancing (including cash-out), and 6% 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.