HMDA records
200
2025
Institution profile
SPECTRA
Identity verified through NCUA; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
HMDA activity
Public HMDA records are available for 2019–2025.
Loan originations
109
2025
Denials
49
2025
Withdrawals
24
2025
Denial rate among decisioned applications
29.9%
2025
Annual history
| Year | HMDA records | Originations | Approved but not accepted | Denials | Withdrawals | Denial rate |
|---|---|---|---|---|---|---|
| 2025 | 200 | 109 | 6 | 49 | 24 | 29.9% |
| 2024 | 230 | 116 | 11 | 55 | 17 | 30.2% |
| 2023 | 383 | 204 | 18 | 82 | 22 | 27.0% |
| 2022 | 979 | 625 | 53 | 91 | 121 | 11.8% |
| 2021 | 424 | 286 | 0 | 50 | 82 | 14.9% |
| 2020 | 398 | 358 | 0 | 24 | 8 | 6.3% |
| 2019 | 361 | 262 | 18 | 30 | 9 | 9.7% |
Detailed activity
Loan type and purpose
| Category | HMDA records |
|---|---|
| Conventional | 200 |
| FHA | 0 |
| VA | 0 |
| RHS / FSA | 0 |
| Home purchase | 36 |
| Home improvement | 75 |
| Refinancing | 2 |
| Cash-out refinancing | 37 |
State reporting
25 states / territories reported
How to read these figures
HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.