Btc 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%
61st7.3% deniedProcesswithdrawn + incomplete share, weight 15%
79th4.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 450 | 365 | 10.2% | 10.6% | — | $51M |
| 2024 | 503 | 442 | 8.2% | 8.3% | — | $63M |
| 2025 | 607 | 524 | 6.9% | 7.3% | — | $79M |
What Btc 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, 64 manufactured homes, 131 investment properties.
Who gets approved at Btc Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 99 | 71 | 22.1% |
| $50k – $100k | 222 | 187 | 6.8% |
| $100k – $150k | 117 | 105 | 3.6% |
| $150k – $250k | 70 | 65 | 3.0% |
| Over $250k | 20 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 70 | 56 | 8.1% |
| 25–34 | 121 | 105 | 6.1% |
| 35–44 | 115 | 95 | 11.8% |
| 45–54 | 104 | 91 | 7.9% |
| 55–64 | 73 | 65 | 5.6% |
| 65–74 | 49 | 39 | 8.9% |
Where Btc Bank lends
7 states and 55 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Btc Bank denied 7.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 61st percentile of small mortgage lenders.
In 2025, 55% of its applications were for home purchases, 32% 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.