Chambers 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%
45th11.0% deniedProcesswithdrawn + incomplete share, weight 15%
63rd8.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 435 | 335 | 10.1% | 11.3% | 6.88% | $90M |
| 2024 | 455 | 348 | 10.6% | 11.8% | 7.00% | $79M |
| 2025 | 450 | 357 | 10.0% | 11.0% | — | $117M |
What Chambers 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, 22 manufactured homes, 124 investment properties.
Who gets approved at Chambers Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 50 | 26 | 41.3% |
| $50k – $100k | 157 | 130 | 6.4% |
| $100k – $150k | 75 | 57 | 13.4% |
| $150k – $250k | 61 | 54 | 1.8% |
| Over $250k | 26 | 21 | 4.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 30 | 18 | 25.0% |
| 25–34 | 101 | 79 | 12.0% |
| 35–44 | 83 | 62 | 13.5% |
| 45–54 | 61 | 50 | 12.3% |
| 55–64 | 63 | 54 | 6.9% |
| 65–74 | 27 | 22 | 0.0% |
Where Chambers Bank lends
11 states and 47 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Chambers Bank denied 11.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 45th percentile of small mortgage lenders.
In 2025, 71% of its applications were for home purchases, 21% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 77% conventional, 6% FHA, 15% 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.