b1BANK 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%
63rd7.0% deniedPricingmedian rate spread over APOR, weight 30%
7th1.26 ptsProcesswithdrawn + incomplete share, weight 15%
58th9.9%Closing coststotal loan costs ÷ loan amount, weight 10%
64th1.54% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 604 | 458 | 8.0% | 9.1% | 9.50% | $122M |
| 2024 | 875 | 697 | 6.7% | 7.6% | 8.75% | $226M |
| 2025 | 907 | 728 | 6.3% | 7.0% | 8.00% | $301M |
What b1BANK 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, 79 manufactured homes, 425 investment properties.
Why b1BANK denies applications
Primary reason reported for each of the 57 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at b1BANK
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 86 | 49 | 27.0% |
| $50k – $100k | 119 | 76 | 18.4% |
| $100k – $150k | 107 | 82 | 7.5% |
| $150k – $250k | 119 | 92 | 4.6% |
| Over $250k | 146 | 121 | 2.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 27 | 16.7% |
| 35–44 | 110 | 78 | 10.8% |
| 45–54 | 167 | 119 | 12.3% |
| 55–64 | 156 | 123 | 8.5% |
| 65–74 | 87 | 65 | 9.1% |
| Over 74 | 38 | 30 | 0.0% |
Where b1BANK lends
11 states and 98 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
b1BANK denied 7.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 63rd percentile of small mortgage lenders.
The most common reason b1BANK gave in 2025 was "debt-to-income ratio", cited on 53.3% 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 b1BANK originated in 2025 was 8.00%, and its median rate spread over the average prime offer rate was 1.26 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 31% of its applications were for home purchases, 47% for refinancing (including cash-out), and 22% 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.