Carrollton Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
61st7.4% deniedPricingmedian rate spread over APOR, weight 30%
71st0.14 ptsProcesswithdrawn + incomplete share, weight 15%
73rd12.3%Closing coststotal loan costs ÷ loan amount, weight 10%
65th1.97% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 2,196 | 1,775 | 5.4% | 6.2% | 7.00% | $384M |
| 2024 | 1,555 | 1,233 | 7.5% | 8.6% | 7.12% | $278M |
| 2025 | 1,655 | 1,334 | 6.5% | 7.4% | 6.75% | $341M |
What Carrollton 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: 347 home-equity lines, 0 reverse mortgages, 3 manufactured homes, 329 investment properties.
Why Carrollton Bank denies applications
Primary reason reported for each of the 107 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Carrollton Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 191 | 134 | 19.8% |
| $50k – $100k | 500 | 383 | 8.8% |
| $100k – $150k | 272 | 221 | 7.1% |
| $150k – $250k | 232 | 189 | 5.0% |
| Over $250k | 199 | 166 | 3.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 107 | 96 | 3.0% |
| 25–34 | 305 | 242 | 7.3% |
| 35–44 | 329 | 252 | 9.7% |
| 45–54 | 295 | 232 | 9.0% |
| 55–64 | 229 | 178 | 8.7% |
| 65–74 | 115 | 87 | 13.0% |
| Over 74 | 46 | 31 | 11.1% |
Where Carrollton Bank lends
24 states and 89 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Carrollton Bank denied 7.4% 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 mid-size mortgage lenders.
The most common reason Carrollton Bank gave in 2025 was "debt-to-income ratio", cited on 43.0% 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 Carrollton Bank originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.14 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 67% of its applications were for home purchases, 17% for refinancing (including cash-out), and 17% for home improvement or other purposes. By loan type: 92% conventional, 5% FHA, 3% 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.