Name of the lender

VanDyk Mortgage CorporationMortgage rates, total loan costs and denial rate, 2025

HMDA year2025

Years filed2018 to 2025

Head office: Grand Rapids, MI
Reporting agency: Department of Housing and Urban Development (HUD)
Legal Entity Identifier (LEI)
Earlier names on its filings: Vandyk Mortgage

Figures by state (CSV)

VanDyk Mortgage Corporation reported 3,606 mortgage applications in the HMDA data of 2025.

It originated 2,428 loans in 2025, for $734 million in total.

The median interest rate of its loans in 2025 was 6.625%, and the national median was 6.375%.

The median total loan costs of its loans in 2025 were $5,743, and the national median was $6,413.

It denied 3.0% of the applications that it decided in 2025, and the national denial rate was 22.6%.

Filed figures of VanDyk Mortgage Corporation, 2025
Figure	This lender	United States
Applications	3,606Under 0.1% of the US total	11,766,671
Loans originated	2,428$734 million	6,827,891
Median interest rate	6.625%	6.375%
Median total loan costs	$5,743	$6,413
Denial rate	3.0%	22.6%

HMDA data are generally not used alone to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions.
The words of the Consumer Financial Protection Bureau (CFPB). Source: Consumer Financial Protection Bureau, Summary of 2023 Data on Mortgage Lending (11 July 2024), copied on 2 Oct 2026. The figures on this page are from the HMDA data of 2025, the snapshot dataset.

Since the last update

No change on record

No tracked figure of this lender has changed since this site started its record. The record compares each update of the HMDA data with the update before it. The record of updates.

PricingMedians of 2025 loans

Interest rate and total loan costs of VanDyk Mortgage Corporation by loan type, 2025Medians. Each value has the national median of the same loan type under it.
Loan type	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
All loans	2,428	6.625%US 6.375%	$5,743US $6,413	0.337US 0.161
Conventional	1,374	6.750%US 6.500%	$4,973US $5,393	0.302US 0.175
FHA-insured	733	6.500%US 6.250%	$7,869US $11,084	0.559US 0.432
VA-guaranteed	251	6.250%US 6.000%	$5,524US $6,088	−0.174US −0.422
USDA Rural Housing Service or Farm Service Agency guaranteed	70	6.375%US 6.250%	$5,097US $6,526	0.095US 0.210

Interest rate and total loan costs of VanDyk Mortgage Corporation by loan purpose, 2025Medians, with the national median under each value.
Loan purpose	Loans in the medians	Interest rate	Total loan costs	Rate spread, points
Home purchase	2,002	6.625%US 6.500%	$5,595US $6,632	0.366US 0.169
Refinancing	193	6.125%US 5.999%	$6,329US $4,883	0.097US −0.069
Cash-out refinancing	226	6.750%US 6.500%	$6,856US $8,095	0.378US 0.376

Parts of the total loan costs of VanDyk Mortgage Corporation by loan type, 2025Medians, with the national median under each value.
Loan type	Origination charges	Discount points, of the loans with points	Lender credits, of the loans with credits
All loans	$1,790US $2,062	$2,142US $2,823	$303US $567
Conventional	$2,131US $1,981	$2,243US $2,588	$180US $604
FHA-insured	$1,345US $2,831	$1,968US $3,270	$506US $567
VA-guaranteed	$1,113US $1,729	$2,393US $3,300	$165US $472
USDA Rural Housing Service or Farm Service Agency guaranteed	$1,115US $1,881	$976US $1,581	n/aUS $231

The median rate spread of these loans was 0.337 percentage points above the average prime offer rate (APOR). On a loan of $300,000, that is about $1,011 more a year, or $84 more a month. The national median spread was 0.161 points.

The dollar amount is a simple interest approximation: the rate spread times the full loan amount for one year. The balance of a loan decreases with each payment, and an APR includes some fees, so the amount for a real loan is different. What a rate spread is.

Median interest rate by year: VanDyk Mortgage Corporation and the United States

VanDyk Mortgage CorporationUnited States

Action takenHMDA codes and labels

Records of VanDyk Mortgage Corporation by the action taken, 2025
Action taken	Records	Share of records	US share
1Loan originated	2,428	67.3%	50.4%
2Application approved but not accepted	14	0.4%	3.1%
3Application denied	76	2.1%	15.6%
4Application withdrawn by applicant	1,076	29.8%	12.6%
5File closed for incompleteness	12	0.3%	5.1%
6Purchased loan	0	0.0%	11.7%
7Preapproval request denied	0	0.0%	0.4%
8Preapproval request approved but not accepted	0	0.0%	1.1%

The denial rate is code 3 divided by codes 1, 2 and 3: the applications that the lender decided. Codes 4 and 5 are applications with no decision. Code 6 is a loan that the lender bought.

Denial reasonsFirst reason coded

Denials of VanDyk Mortgage Corporation by the first reason that it coded, 2025
Denial reason	Denials	Share	US share
1Debt-to-income ratio	24	31.6%	32.7%
2Employment history	3	3.9%	0.9%
3Credit history	21	27.6%	25.6%
4Collateral	11	14.5%	13.8%
5Insufficient cash (downpayment, closing costs)	5	6.6%	2.3%
6Unverifiable information	2	2.6%	4.2%
7Credit application incomplete	0	0.0%	12.0%
8Mortgage insurance denied	0	0.0%	0.0%
9Other	10	13.2%	8.5%

A lender can code up to four reasons for a denial. This table counts the first reason only.

Loan types and purposesLoans of 2025

Applications of VanDyk Mortgage Corporation by loan type
Loan type	Applications	Loans originated	Denial rate
Conventional	2,038	1,374	2.3%US 23.4%
FHA-insured	1,092	733	4.4%US 21.8%
VA-guaranteed	377	251	1.9%US 16.2%
USDA Rural Housing Service or Farm Service Agency guaranteed	99	70	6.5%US 12.9%

Applications of VanDyk Mortgage Corporation by loan purpose
Loan purpose	Applications	Loans originated	Share of loans
Home purchase	2,763	2,002	82.5%
Home improvement	22	7	0.3%
Refinancing	376	193	7.9%
Cash-out refinancing	441	226	9.3%
Other purpose	4	0	0.0%

The denial rate of a loan type is the denied applications divided by the decided applications of that type. It is "n/a" under 25 decided applications.

States where it lends16 states with 25 applications or more

VanDyk Mortgage Corporation by state, 2025In order of the names. A state with 100 applications or more links to the lender's page for the state.
State	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate
California	49	28	6.625%	$10,157	9.7%
Colorado	30	12	n/a	n/a	n/a
Florida	1,050	652	6.625%	$6,325	4.0%
Georgia	88	41	6.625%	$4,516	4.7%
Idaho	152	109	6.375%	$10,715	1.8%
Indiana	223	187	6.625%	$4,105	0.5%
Maryland	53	42	6.688%	$5,033	0.0%
Michigan	598	441	6.625%	$4,392	1.8%
Nevada	56	35	6.250%	$6,375	2.6%
New Mexico	186	104	6.375%	$7,378	5.5%
North Carolina	144	112	6.500%	$4,727	1.7%
Ohio	316	213	6.750%	$5,265	2.7%
Oregon	46	33	6.625%	$7,957	2.9%
Tennessee	308	202	6.625%	$5,931	6.5%
Texas	75	54	6.625%	$6,041	1.8%
Utah	124	84	6.250%	$10,209	0.0%

Counties of VanDyk Mortgage Corporation with 50 applications or more, 2025In order of the names. The list has the 17 counties with the most loans of the lender.
County	Applications	Loans originated	Amount	Denial rate
Bannock County, ID	78	58	$18.1 million	1.7%
Bernalillo County, NM	88	54	$18.1 million	3.6%
Broward County, FL	58	22	$9.4 million	24.1%
Cumberland County, TN	101	72	$18.4 million	4.0%
Hamilton County, OH	50	30	$8.5 million	0.0%
Hillsborough County, FL	174	99	$41.7 million	1.0%
Ingham County, MI	50	46	$9.9 million	0.0%
Kent County, MI	57	31	$9.5 million	3.1%
Lee County, FL	160	99	$30.7 million	4.8%
Lucas County, OH	66	43	$8.3 million	4.3%
Montgomery County, TN	54	37	$11.2 million	2.6%
Muskegon County, MI	275	201	$43.0 million	1.0%
Noble County, IN	69	57	$11.0 million	0.0%
Palm Beach County, FL	61	41	$12.9 million	0.0%
Pasco County, FL	102	69	$22.5 million	4.2%
Pinellas County, FL	208	128	$44.7 million	3.0%
Salt Lake County, UT	53	34	$14.5 million	0.0%

Figures by yearHMDA 2022 to 2025

VanDyk Mortgage Corporation by HMDA year"n/a" shows a year with fewer than 25 applications, or a year that this site does not process.
Year	Applications	Loans originated	Median interest rate	Median total loan costs	Denial rate	Records filed
2025	3,606	2,428	6.625%	$5,743	3.0%	3,606
2024	3,700	2,417	6.875%	$5,817	3.4%	3,700
2023	4,659	3,132	6.875%	$5,976	4.4%	4,659
2022	7,552	5,171	5.125%	$5,296	6.8%	7,552
2021	n/a	n/a	n/a	n/a	n/a	13,612
2020	n/a	n/a	n/a	n/a	n/a	13,906
2019	n/a	n/a	n/a	n/a	n/a	7,328
2018	n/a	n/a	n/a	n/a	n/a	6,519

Records filed is the count on the lender's HMDA transmittal sheet. It includes purchased loans and requests for preapproval.

Denial rate by year: VanDyk Mortgage Corporation and the United States

VanDyk Mortgage CorporationUnited States

Peer lenders12 lenders

These lenders originated a count of loans close to the count of this lender, in the same states. The site compares the applications of each lender by state. The list is not a ranking.

Citizens First BankThe Villages, FL
ClearEdge Lending LLCIrvine, CA
Dominion Financial Services, LLCBaltimore, MD
Easy Street Capital LLCAustin, TX
Filo Mortgage, LLCWest Conshohocken, PA
GTE Federal Credit UnionTampa, FL
Investor Mortgage Finance LLCAustin, TX
LendingOne LLCBoca Raton, FL
Lima One Capital, LLCGreenville, SC
Mattamy Home Funding LLCMaitland, FL
NQM Funding, LLCBoca Raton, FL
University BankAnn Arbor, MI

Official channelsLinks checked 2 Oct 2026

HMDA Data Browser (FFIEC and CFPB)The HMDA records of this lender, with a CSV download.
Submit a complaint (Consumer Financial Protection Bureau)The CFPB form for a complaint about a mortgage or a lender.

Cite this page

Page: Lender Register, "VanDyk Mortgage Corporation mortgage rates, 2025", https://lenderregister.com/lender/549300xq7b5fivunfe29-vandyk-mortgage-corporation/
Lender: VanDyk Mortgage Corporation, LEI 549300XQ7B5FIVUNFE29
Source: Federal Financial Institutions Examination Council and Consumer Financial Protection Bureau, Home Mortgage Disclosure Act data, 2025, snapshot dataset
Data date: HMDA year 2025. Page made 2 Oct 2026.

Provenance

The figures come from the public HMDA loan/application register of 2022 to 2025. The count of records filed comes from the transmittal sheets of 2018 to 2025. The FFIEC and the CFPB publish them at ffiec.cfpb.gov. The name, the head office and the agency are from the newest transmittal sheet of the LEI.

This site withholds a figure with fewer than 25 applications and a median with fewer than 20 loans. Method of the figures. Terms. Report an error.

Questions

How many loans did VanDyk Mortgage Corporation buy from other lenders in 2025?: It reported no purchased loans. HMDA counts a purchased loan apart from the applications, so the denial rate does not include it.
Which denial reasons did VanDyk Mortgage Corporation code most often in 2025?: The first reasons that it coded most often were debt-to-income ratio (24), credit history (21) and collateral (11).
In which states did VanDyk Mortgage Corporation originate the most loans in 2025?: The three states with the most loans were Florida (652), Michigan (441) and Ohio (213). It had 25 applications or more in 16 states.
Which loan types did VanDyk Mortgage Corporation originate in 2025?: 1,374 conventional, 733 FHA, 251 VA and 70 USDA.