Ornl 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 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
74th17.3% deniedPricingmedian rate spread over APOR, weight 30%
29th0.37 ptsProcesswithdrawn + incomplete share, weight 15%
36th14.8%Closing coststotal loan costs ÷ loan amount, weight 10%
26th4.15% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,775 | 1,822 | 6.9% | 7.8% | 6.88% | $439M |
| 2024 | 2,190 | 1,380 | 10.5% | 11.8% | 8.00% | $315M |
| 2025 | 2,074 | 1,116 | 14.7% | 17.3% | 7.25% | $274M |
What Ornl 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: 1,039 home-equity lines, 0 reverse mortgages, 109 manufactured homes, 59 investment properties.
Why Ornl denies applications
Primary reason reported for each of the 305 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Ornl
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 275 | 105 | 36.5% |
| $50k – $100k | 664 | 342 | 20.6% |
| $100k – $150k | 515 | 311 | 12.7% |
| $150k – $250k | 408 | 250 | 7.3% |
| Over $250k | 151 | 86 | 7.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 46 | 26 | 12.2% |
| 25–34 | 380 | 208 | 12.8% |
| 35–44 | 476 | 249 | 19.5% |
| 45–54 | 454 | 254 | 17.6% |
| 55–64 | 426 | 223 | 19.8% |
| 65–74 | 198 | 108 | 15.3% |
| Over 74 | 93 | 47 | 17.3% |
Where Ornl lends
5 states and 44 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 2,062 | 1,114 | 14.7% | 7.25% | #36 |
Frequently asked questions
Ornl denied 17.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 74th percentile of home-equity (HELOC) lenders.
The most common reason Ornl gave in 2025 was "credit history", cited on 58.4% 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 Ornl originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.37 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 30% of its applications were for home purchases, 47% for refinancing (including cash-out), and 23% 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.