Bloomsdale Bank 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%
86th2.4% deniedProcesswithdrawn + incomplete share, weight 15%
93rd1.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 140 | 125 | 2.9% | 2.9% | — | $28M |
| 2024 | 171 | 159 | 4.1% | 4.2% | — | $43M |
| 2025 | 208 | 189 | 2.4% | 2.4% | — | $50M |
What Bloomsdale 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, 5 manufactured homes, 41 investment properties.
Why Bloomsdale Bank denies applications
Primary reason reported for each of the 5 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bloomsdale Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 46 | 41 | 10.9% |
| $100k – $150k | 52 | 49 | 0.0% |
| $150k – $250k | 50 | 44 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 40 | 37 | 0.0% |
| 35–44 | 32 | 27 | 6.3% |
| 45–54 | 45 | 43 | 0.0% |
| 55–64 | 42 | 36 | 7.3% |
Where Bloomsdale Bank lends
3 states and 20 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 206 | 187 | 2.4% | — | #181 |
Frequently asked questions
Bloomsdale Bank denied 2.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 86th percentile of small mortgage lenders.
The most common reason Bloomsdale Bank gave in 2025 was "debt-to-income ratio", cited on 40.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 61% of its applications were for home purchases, 26% for refinancing (including cash-out), and 13% 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.