Cfsbank 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%
55th8.5% deniedProcesswithdrawn + incomplete share, weight 15%
49th11.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 199 | 138 | 14.1% | 16.0% | — | $26M |
| 2024 | 271 | 196 | 12.9% | 14.5% | — | $42M |
| 2025 | 425 | 341 | 7.5% | 8.5% | — | $91M |
What Cfsbank 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, 2 manufactured homes, 19 investment properties.
Why Cfsbank denies applications
Primary reason reported for each of the 32 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Cfsbank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 41 | 26 | 25.0% |
| $50k – $100k | 146 | 125 | 5.3% |
| $100k – $150k | 79 | 64 | 9.9% |
| $150k – $250k | 84 | 73 | 1.3% |
| Over $250k | 49 | 42 | 2.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 37 | 31 | 6.1% |
| 25–34 | 116 | 90 | 10.0% |
| 35–44 | 103 | 89 | 2.2% |
| 45–54 | 73 | 59 | 11.9% |
| 55–64 | 49 | 37 | 14.0% |
| 65–74 | 25 | 19 | 5.0% |
Where Cfsbank lends
9 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 415 | 334 | 7.5% | — | #179 |
Frequently asked questions
Cfsbank denied 8.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 55th percentile of small mortgage lenders.
The most common reason Cfsbank gave in 2025 was "debt-to-income ratio", cited on 46.9% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 72% of its applications were for home purchases, 15% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 88% conventional, 7% FHA, 1% 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.