Bank of Holland 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%
15th22.7% deniedProcesswithdrawn + incomplete share, weight 15%
77th5.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 155 | 117 | 14.8% | 16.1% | — | $21M |
| 2024 | 140 | 107 | 17.1% | 18.3% | — | $23M |
| 2025 | 126 | 91 | 21.4% | 22.7% | — | $17M |
What Bank of Holland 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, 33 manufactured homes, 9 investment properties.
Why Bank of Holland denies applications
Primary reason reported for each of the 27 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bank of Holland
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 36 | 27 | 25.0% |
| $100k – $150k | 29 | 24 | 17.2% |
| $150k – $250k | 27 | 19 | 17.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 21 | 16 | 15.8% |
| 35–44 | 29 | 18 | 35.7% |
| 45–54 | 33 | 23 | 27.3% |
| 55–64 | 24 | 19 | 13.6% |
Where Bank of Holland lends
1 states and 6 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 126 | 91 | 21.4% | — | #248 |
Frequently asked questions
Bank of Holland denied 22.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
The most common reason Bank of Holland gave in 2025 was "debt-to-income ratio", cited on 55.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 53% of its applications were for home purchases, 21% for refinancing (including cash-out), and 25% 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.