BOM Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
51st9.5% deniedProcesswithdrawn + incomplete share, weight 15%
55th10.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 288 | 222 | 11.1% | 12.3% | — | $56M |
| 2024 | 187 | 143 | 12.8% | 14.0% | — | $32M |
| 2025 | 235 | 188 | 8.5% | 9.5% | — | $53M |
What BOM 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, 20 manufactured homes, 73 investment properties.
Who gets approved at BOM Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 32 | 15 | 38.5% |
| $50k – $100k | 46 | 31 | 13.9% |
| $100k – $150k | 30 | 24 | 7.7% |
| $150k – $250k | 34 | 30 | 0.0% |
| Over $250k | 25 | 23 | 8.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 22 | 4.4% |
| 35–44 | 41 | 33 | 8.1% |
| 45–54 | 36 | 27 | 6.9% |
| 55–64 | 26 | 21 | 12.5% |
| 65–74 | 28 | 18 | 20.8% |
Where BOM Bank lends
4 states and 28 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
BOM Bank denied 9.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 51st percentile of small mortgage lenders.
In 2025, 57% of its applications were for home purchases, 35% for refinancing (including cash-out), and 8% 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.