Bryant 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%
59th7.7% deniedPricingmedian rate spread over APOR, weight 30%
42nd0.34 ptsProcesswithdrawn + incomplete share, weight 15%
49th11.7%Closing coststotal loan costs ÷ loan amount, weight 10%
47th2.01% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 646 | 507 | 8.4% | 9.5% | 8.00% | $131M |
| 2024 | 696 | 540 | 7.3% | 8.5% | 8.50% | $157M |
| 2025 | 634 | 508 | 6.8% | 7.7% | 7.50% | $170M |
What Bryant 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: 188 home-equity lines, 0 reverse mortgages, 7 manufactured homes, 192 investment properties.
Why Bryant Bank denies applications
Primary reason reported for each of the 43 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bryant Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 19 | 35.5% |
| $50k – $100k | 111 | 81 | 13.7% |
| $100k – $150k | 109 | 81 | 9.8% |
| $150k – $250k | 125 | 97 | 4.8% |
| Over $250k | 109 | 93 | 4.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 73 | 50 | 12.1% |
| 35–44 | 98 | 75 | 5.1% |
| 45–54 | 108 | 83 | 12.5% |
| 55–64 | 102 | 78 | 12.8% |
| 65–74 | 75 | 64 | 5.9% |
| Over 74 | 31 | 24 | 3.7% |
Where Bryant Bank lends
7 states and 48 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alabama | 608 | 490 | 6.7% | 7.50% | #75 |
| Florida | 14 | 10 | 14.3% | 7.50% | #834 |
| Mississippi | 5 | 4 | 0.0% | 7.44% | #348 |
Frequently asked questions
Bryant Bank denied 7.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 59th percentile of small mortgage lenders.
The most common reason Bryant Bank gave in 2025 was "credit history", cited on 46.5% 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 Bryant Bank originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.34 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 49% of its applications were for home purchases, 26% for refinancing (including cash-out), and 24% for home improvement or other purposes. By loan type: 99% 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.