Community Banc Mortgage 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%
35th13.4% deniedPricingmedian rate spread over APOR, weight 30%
46th0.30 ptsProcesswithdrawn + incomplete share, weight 15%
8th27.5%Closing coststotal loan costs ÷ loan amount, weight 10%
34th2.33% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 580 | 379 | 14.1% | 17.8% | 6.75% | $50M |
| 2024 | 562 | 378 | 11.4% | 14.5% | 6.50% | $53M |
| 2025 | 506 | 317 | 9.7% | 13.4% | 6.50% | $45M |
What Community Banc Mortgage 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, 6 manufactured homes, 8 investment properties.
Why Community Banc Mortgage denies applications
Primary reason reported for each of the 49 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Community Banc Mortgage
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 125 | 66 | 21.4% |
| $50k – $100k | 235 | 150 | 11.8% |
| $100k – $150k | 102 | 76 | 6.2% |
| $150k – $250k | 32 | 19 | 17.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 106 | 67 | 4.3% |
| 25–34 | 195 | 118 | 16.2% |
| 35–44 | 99 | 67 | 11.8% |
| 45–54 | 46 | 25 | 24.2% |
| 55–64 | 34 | 22 | 15.4% |
Where Community Banc Mortgage lends
8 states and 110 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Community Banc Mortgage denied 13.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 35th percentile of small mortgage lenders.
The most common reason Community Banc Mortgage gave in 2025 was "credit history", cited on 49.0% 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 Community Banc Mortgage originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.30 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 84% of its applications were for home purchases, 11% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 68% conventional, 0% FHA, 5% 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.