Bankers' Bank 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%
36th13.0% deniedPricingmedian rate spread over APOR, weight 30%
63rd0.18 ptsProcesswithdrawn + incomplete share, weight 15%
18th20.5%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 | 416 | 287 | 10.6% | 13.2% | 6.75% | $57M |
| 2024 | 489 | 337 | 11.9% | 14.5% | 6.63% | $76M |
| 2025 | 589 | 402 | 10.4% | 13.0% | 6.50% | $98M |
What Bankers' Bank 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, 3 manufactured homes, 27 investment properties.
Why Bankers' Bank denies applications
Primary reason reported for each of the 61 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bankers' Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 74 | 41 | 28.8% |
| $50k – $100k | 220 | 146 | 16.6% |
| $100k – $150k | 139 | 101 | 7.2% |
| $150k – $250k | 112 | 83 | 6.7% |
| Over $250k | 44 | 31 | 3.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 77 | 47 | 20.0% |
| 25–34 | 182 | 126 | 11.7% |
| 35–44 | 122 | 83 | 11.6% |
| 45–54 | 95 | 67 | 13.9% |
| 55–64 | 65 | 48 | 9.4% |
| 65–74 | 35 | 21 | 16.0% |
Where Bankers' Bank lends
11 states and 165 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Bankers' Bank denied 13.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 36th percentile of small mortgage lenders.
The most common reason Bankers' Bank gave in 2025 was "debt-to-income ratio", cited on 36.1% 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 Bankers' Bank originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.18 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 75% of its applications were for home purchases, 25% for refinancing (including cash-out), and 1% for home improvement or other purposes. By loan type: 95% conventional, 0% FHA, 1% 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.