Concordia Bank & Trust 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%
34th13.6% deniedProcesswithdrawn + incomplete share, weight 15%
38th14.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 227 | 165 | 13.2% | 15.3% | — | $28M |
| 2024 | 168 | 116 | 16.1% | 18.6% | — | $12M |
| 2025 | 180 | 131 | 11.7% | 13.6% | — | $23M |
What Concordia Bank & Trust 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, 26 manufactured homes, 61 investment properties.
Who gets approved at Concordia Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 46 | 27 | 29.0% |
| $50k – $100k | 46 | 36 | 10.0% |
| $100k – $150k | 20 | 18 | 5.3% |
| $150k – $250k | 28 | 19 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 21 | 13 | 26.3% |
| 45–54 | 25 | 20 | 13.0% |
| 55–64 | 37 | 28 | 12.1% |
| 65–74 | 34 | 26 | 10.3% |
Where Concordia Bank & Trust lends
2 states and 17 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Mississippi | 94 | 65 | 12.8% | — | #135 |
| Louisiana | 86 | 66 | 10.5% | — | #195 |
Frequently asked questions
Concordia Bank & Trust denied 13.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 34th percentile of small mortgage lenders.
In 2025, 33% of its applications were for home purchases, 48% for refinancing (including cash-out), and 18% 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.