Rosedale Federal Savings and Loan Association at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
88th2.3% deniedProcesswithdrawn + incomplete share, weight 15%
24th18.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 136 | 96 | 8.8% | 10.9% | — | $29M |
| 2024 | 87 | 55 | 12.6% | 16.4% | — | $19M |
| 2025 | 215 | 172 | 1.9% | 2.3% | — | $91M |
What Rosedale Federal Savings and Loan Association 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, 19 investment properties.
Why Rosedale Federal Savings and Loan Association denies applications
Primary reason reported for each of the 4 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Rosedale Federal Savings and Loan Association
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 38 | 29 | 0.0% |
| $100k – $150k | 40 | 31 | 6.1% |
| $150k – $250k | 67 | 57 | 0.0% |
| Over $250k | 51 | 38 | 2.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 62 | 47 | 2.1% |
| 35–44 | 37 | 29 | 0.0% |
| 45–54 | 42 | 36 | 2.7% |
| 55–64 | 36 | 27 | 3.6% |
Where Rosedale Federal Savings and Loan Association lends
4 states and 17 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Maryland | 212 | 170 | 1.9% | — | #154 |
Frequently asked questions
Rosedale Federal Savings and Loan Association denied 2.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 88th percentile of small mortgage lenders.
The most common reason Rosedale Federal Savings and Loan Association gave in 2025 was "debt-to-income ratio", cited on 75.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 82% of its applications were for home purchases, 14% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 76% conventional, 7% FHA, 18% 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.