Calhoun County Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
20th19.6% deniedProcesswithdrawn + incomplete share, weight 15%
85th3.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 173 | 101 | 27.8% | 28.7% | — | $9.5M |
| 2024 | 124 | 91 | 12.9% | 13.8% | — | $8.6M |
| 2025 | 168 | 121 | 19.1% | 19.6% | — | $15M |
What Calhoun County 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, 60 manufactured homes, 13 investment properties.
Who gets approved at Calhoun County Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 48 | 29 | 34.0% |
| $50k – $100k | 71 | 55 | 14.1% |
| $100k – $150k | 37 | 27 | 17.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 22 | 12 | 33.3% |
| 25–34 | 35 | 28 | 8.8% |
| 35–44 | 28 | 17 | 25.9% |
| 45–54 | 32 | 27 | 12.5% |
| 55–64 | 24 | 18 | 13.6% |
| 65–74 | 23 | 16 | 30.4% |
Where Calhoun County Bank lends
2 states and 2 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| West Virginia | 167 | 120 | 19.2% | — | #70 |
Frequently asked questions
Calhoun County Bank denied 19.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 20th percentile of small mortgage lenders.
In 2025, 67% of its applications were for home purchases, 22% for refinancing (including cash-out), and 11% 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.