CCB Community 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 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%
89th2.0% deniedProcesswithdrawn + incomplete share, weight 15%
79th4.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 223 | 186 | 3.6% | 3.7% | — | $33M |
| 2024 | 116 | 100 | 4.3% | 4.5% | — | $13M |
| 2025 | 162 | 144 | 1.9% | 2.0% | — | $26M |
What CCB Community 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, 16 manufactured homes, 33 investment properties.
Why CCB Community Bank denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at CCB Community Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 16 | 11.1% |
| $50k – $100k | 42 | 39 | 2.5% |
| $100k – $150k | 35 | 28 | 0.0% |
| $150k – $250k | 38 | 35 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 33 | 30 | 0.0% |
| 35–44 | 32 | 31 | 0.0% |
| 45–54 | 28 | 24 | 3.9% |
| 55–64 | 31 | 28 | 0.0% |
Where CCB Community Bank lends
2 states and 14 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
CCB Community Bank denied 2.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 89th percentile of small mortgage lenders.
The most common reason CCB Community Bank gave in 2025 was "debt-to-income ratio", cited on 66.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 52% of its applications were for home purchases, 35% for refinancing (including cash-out), and 14% 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.