QFROUN1UWUYU0DVIWD51
The 35th largest mortgage reporter of 2024 by decisioned applications. It decided 46,903 applications, originated 30,494 loans worth $6.2B, and denied 15,321 (32.7%, against a national 24.3%). It reported lending in 49 states and territories and 1,093 counties. The public register does not name the institution behind this identifier, and this page does not guess at it.
Volume, 2018 to 2024
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Years in which this LEI filed. A year with no filing is absent from the line rather than plotted as zero. This LEI appears in 7 of the 7 modern-schema years. Methodology
What it originated, 2024
By loan type
By purpose
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Shares of this reporter's 30,494 originations in 2024. Home-improvement and other-purpose loans exist in the register and are not charted here, so the purpose bars need not sum to 100%. Median reported applicant income on an origination: $97,000. Methodology
Denial rate by applicant group, 2024
On this reporter’s 8,781 screened applications (first-lien, owner-occupied, one-unit home purchase). These are raw rates: no composition adjustment is made at lender level, and the national standardization is not transferable to a single book. A group with fewer than 100 screened applications shows its count and no rate.
| Applicant group | Screened apps | Denied | Denial rate |
|---|---|---|---|
| White, non-Hispanic | 5,905 | 490 | 8.3% |
| Black or African American | 692 | 159 | 23.0% |
| Race not available | 638 | 86 | 13.5% |
| Asian | 571 | 51 | 8.9% |
| White, Hispanic or Latino | 462 | 65 | 14.1% |
| White, ethnicity not reported | 253 | 20 | 7.9% |
| Joint (race) | 207 | 21 | 10.1% |
| American Indian or Alaska Native | 33 | 5 | n/a |
| Two or more minority races | 13 | 5 | n/a |
| Native Hawaiian or Pacific Islander | 7 | 3 | n/a |
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Screened decisioned applications only, so these counts are smaller than the reporter's full book. Race is reported on some applications and not others; the 'race not available' row is the applications where it is not, and it is not evidence about any group. Methodology
Why it denied, 2024
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Primary denial reason on this reporter's 15,321 denials in 2024. The primary reason field only; the three optional supplementary reason fields are not counted. Methodology
Where it lends, 2024
The 5 states with the most decisioned applications, of 49 in which this reporter filed at all.
| State | Decisioned applications | Share of its book |
|---|---|---|
| OH | 14,224 | 30.3% |
| MI | 6,985 | 14.9% |
| IN | 5,726 | 12.2% |
| FL | 5,100 | 10.9% |
| IL | 4,887 | 10.4% |
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Share of this reporter's own decisioned applications, not of the state's market. Methodology
Against the national book
| Measure, 2024 | This reporter | All reporters | Difference |
|---|---|---|---|
| Denial rate | 32.67% | 24.31% | 8.35 pp |
| FHA share of originations | 3.17% | 13.40% | -10.23 pp |
| Median originated loan | $105,000 | $235,000 | $-130,000 |
| Median contract rate | 8.400% | 6.875% | 1.525 pp |
Source: HMDA public LAR (CFPB/FFIEC), snapshot files Both FHA shares are of originations, this reporter's own on one side and every reporter's on the other. Rates and loan sizes are medians, so the difference of two medians is not the median of a difference, and a reporter lending in one expensive state will differ from the national median for that reason alone. Methodology