Bank of Romney 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%
85th2.7% deniedProcesswithdrawn + incomplete share, weight 15%
94th0.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 124 | 106 | 4.8% | 4.9% | — | $15M |
| 2024 | 111 | 95 | 6.3% | 6.4% | — | $15M |
| 2025 | 186 | 165 | 2.7% | 2.7% | — | $32M |
What Bank of Romney 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, 39 manufactured homes, 31 investment properties.
Who gets approved at Bank of Romney
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 39 | 35 | 2.6% |
| $50k – $100k | 58 | 54 | 1.8% |
| $100k – $150k | 33 | 29 | 6.1% |
| $150k – $250k | 28 | 22 | 3.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 27 | 0.0% |
| 35–44 | 31 | 27 | 3.3% |
| 45–54 | 39 | 34 | 2.6% |
| 55–64 | 40 | 37 | 0.0% |
| 65–74 | 22 | 18 | 13.6% |
Where Bank of Romney lends
4 states and 5 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| West Virginia | 128 | 115 | 3.1% | — | #86 |
Frequently asked questions
Bank of Romney denied 2.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 85th percentile of small mortgage lenders.
In 2025, 56% of its applications were for home purchases, 27% for refinancing (including cash-out), and 17% 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.