BCB Community 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%
24th18.1% deniedProcesswithdrawn + incomplete share, weight 15%
76th5.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 226 | 168 | 12.8% | 14.3% | — | $110M |
| 2024 | 101 | 72 | 22.8% | 23.7% | — | $33M |
| 2025 | 135 | 99 | 17.0% | 18.1% | — | $75M |
What BCB Community 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, 0 manufactured homes, 22 investment properties.
Who gets approved at BCB Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $100k – $150k | 33 | 19 | 34.5% |
| $150k – $250k | 21 | 19 | 9.5% |
| Over $250k | 46 | 36 | 7.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 24 | 18 | 13.0% |
| 45–54 | 31 | 21 | 26.7% |
| 55–64 | 32 | 22 | 21.4% |
Frequently asked questions
BCB Community Bank denied 18.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 24th percentile of small mortgage lenders.
In 2025, 19% of its applications were for home purchases, 26% for refinancing (including cash-out), and 56% 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.