Bank of Dudley at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
85th0.9% deniedProcesswithdrawn + incomplete share, weight 15%
40th7.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 132 | 129 | 0.0% | 0.0% | — | $16M |
| 2024 | 106 | 99 | 0.0% | 0.0% | — | $29M |
| 2025 | 125 | 115 | 0.8% | 0.9% | — | $22M |
What Bank of Dudley 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, 25 manufactured homes, 80 investment properties.
Who gets approved at Bank of Dudley
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 45–54 | 20 | 17 | 0.0% |
Where Bank of Dudley lends
4 states and 37 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Georgia | 121 | 111 | 0.8% | — | #311 |
Frequently asked questions
Bank of Dudley denied 0.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 85th percentile of investment-property lenders.
In 2025, 61% of its applications were for home purchases, 29% for refinancing (including cash-out), and 10% for home improvement or other purposes. By loan type: 99% conventional, 1% 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.