Arthur State Bank 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%
47th10.2% deniedPricingmedian rate spread over APOR, weight 30%
29th0.50 ptsProcesswithdrawn + incomplete share, weight 15%
39th14.0%Closing coststotal loan costs ÷ loan amount, weight 10%
36th2.28% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 291 | 213 | 12.4% | 14.2% | 7.00% | $58M |
| 2024 | 276 | 208 | 8.7% | 10.1% | 7.50% | $62M |
| 2025 | 386 | 291 | 8.8% | 10.2% | 7.13% | $108M |
What Arthur State 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, 4 manufactured homes, 91 investment properties.
Why Arthur State Bank denies applications
Primary reason reported for each of the 34 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Arthur State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 38 | 20 | 30.0% |
| $50k – $100k | 92 | 67 | 18.3% |
| $100k – $150k | 76 | 54 | 6.5% |
| $150k – $250k | 49 | 37 | 7.5% |
| Over $250k | 50 | 39 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 62 | 50 | 5.7% |
| 35–44 | 85 | 64 | 8.3% |
| 45–54 | 54 | 30 | 18.0% |
| 55–64 | 57 | 39 | 18.4% |
| 65–74 | 33 | 26 | 10.3% |
Where Arthur State Bank lends
3 states and 35 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Carolina | 369 | 281 | 9.2% | 7.13% | #124 |
| North Carolina | 10 | 9 | 0.0% | 7.50% | #629 |
Frequently asked questions
Arthur State Bank denied 10.2% 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 Arthur State Bank gave in 2025 was "debt-to-income ratio", cited on 50.0% 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 Arthur State Bank originated in 2025 was 7.13%, and its median rate spread over the average prime offer rate was 0.50 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 66% of its applications were for home purchases, 20% for refinancing (including cash-out), and 13% 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.