Bank of Pontiac 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 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%
88th2.3% deniedProcesswithdrawn + incomplete share, weight 15%
63rd8.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 309 | 261 | 2.6% | 2.7% | 7.25% | $57M |
| 2024 | 309 | 256 | 4.5% | 4.9% | 7.50% | $55M |
| 2025 | 339 | 293 | 2.1% | 2.3% | — | $86M |
What Bank of Pontiac 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, 0 manufactured homes, 118 investment properties.
Who gets approved at Bank of Pontiac
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 | 7.9% |
| $50k – $100k | 75 | 59 | 3.2% |
| $100k – $150k | 65 | 58 | 0.0% |
| $150k – $250k | 33 | 31 | 0.0% |
| Over $250k | 25 | 23 | 8.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 17 | 0.0% |
| 25–34 | 65 | 55 | 0.0% |
| 35–44 | 55 | 48 | 5.9% |
| 45–54 | 40 | 36 | 2.6% |
| 55–64 | 34 | 24 | 7.1% |
Where Bank of Pontiac lends
5 states and 34 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Bank of Pontiac denied 2.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 88th percentile of small mortgage lenders.
In 2025, 53% of its applications were for home purchases, 33% for refinancing (including cash-out), and 14% 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.