Byron 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%
52nd9.1% deniedProcesswithdrawn + incomplete share, weight 15%
61st9.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 197 | 156 | 4.1% | 4.9% | 7.01% | $31M |
| 2024 | 237 | 185 | 8.0% | 9.3% | — | $36M |
| 2025 | 170 | 140 | 8.2% | 9.1% | — | $33M |
What Byron 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, 52 investment properties.
Who gets approved at Byron Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 48 | 35 | 14.6% |
| $100k – $150k | 29 | 28 | 3.5% |
| $150k – $250k | 27 | 21 | 8.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 30 | 24 | 11.1% |
| 35–44 | 29 | 23 | 8.0% |
| 45–54 | 24 | 17 | 19.1% |
| 55–64 | 23 | 20 | 0.0% |
Where Byron Bank lends
5 states and 19 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Byron Bank denied 9.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 52nd percentile of small mortgage lenders.
In 2025, 69% of its applications were for home purchases, 29% for refinancing (including cash-out), and 2% 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.