AbbyBank 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 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%
47th10.4% deniedPricingmedian rate spread over APOR, weight 30%
43rd0.33 ptsProcesswithdrawn + incomplete share, weight 15%
44th12.9%Closing coststotal loan costs ÷ loan amount, weight 10%
77th1.22% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 226 | 176 | 6.6% | 7.4% | 6.88% | $33M |
| 2024 | 193 | 134 | 10.9% | 12.6% | 7.63% | $29M |
| 2025 | 232 | 170 | 9.1% | 10.4% | 6.88% | $42M |
What AbbyBank 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, 12 manufactured homes, 43 investment properties.
Why AbbyBank denies applications
Primary reason reported for each of the 21 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at AbbyBank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 30 | 19 | 29.6% |
| $50k – $100k | 92 | 61 | 11.7% |
| $100k – $150k | 40 | 36 | 0.0% |
| $150k – $250k | 29 | 25 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 39 | 30 | 6.1% |
| 25–34 | 42 | 28 | 6.3% |
| 35–44 | 37 | 29 | 12.1% |
| 45–54 | 42 | 33 | 7.9% |
| 55–64 | 28 | 20 | 16.0% |
Where AbbyBank lends
1 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wisconsin | 232 | 170 | 9.1% | 6.88% | #140 |
Frequently asked questions
AbbyBank denied 10.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 47th percentile of small mortgage lenders.
The most common reason AbbyBank gave in 2025 was "credit history", cited on 42.9% 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 AbbyBank originated in 2025 was 6.88%, and its median rate spread over the average prime offer rate was 0.33 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 59% of its applications were for home purchases, 31% for refinancing (including cash-out), and 10% 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.