Anstaff Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
70th5.5% deniedProcesswithdrawn + incomplete share, weight 15%
44th12.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 252 | 201 | 2.0% | 2.4% | — | $33M |
| 2024 | 258 | 207 | 5.0% | 5.9% | — | $30M |
| 2025 | 293 | 242 | 4.8% | 5.5% | — | $46M |
What Anstaff Bank 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, 35 manufactured homes, 77 investment properties.
Who gets approved at Anstaff Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 44 | 33 | 15.4% |
| $50k – $100k | 117 | 86 | 7.5% |
| $100k – $150k | 47 | 40 | 2.4% |
| Over $250k | 21 | 21 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 22 | 16 | 11.1% |
| 25–34 | 44 | 34 | 5.6% |
| 35–44 | 42 | 29 | 9.4% |
| 45–54 | 43 | 36 | 7.7% |
| 55–64 | 52 | 47 | 2.1% |
| 65–74 | 30 | 21 | 8.7% |
| Over 74 | 20 | 19 | 5.0% |
Where Anstaff Bank lends
2 states and 20 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Anstaff Bank denied 5.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 70th percentile of small mortgage lenders.
In 2025, 54% of its applications were for home purchases, 20% for refinancing (including cash-out), and 26% for home improvement or other purposes. By loan type: 97% 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.