Continental Mortgage Bankers 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%
73rd4.9% deniedPricingmedian rate spread over APOR, weight 30%
58th0.21 ptsProcesswithdrawn + incomplete share, weight 15%
27th17.2%Closing coststotal loan costs ÷ loan amount, weight 10%
41st2.15% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 227 | 173 | 7.9% | 9.4% | 6.63% | $80M |
| 2024 | 227 | 162 | 3.5% | 4.7% | 6.75% | $82M |
| 2025 | 198 | 156 | 4.0% | 4.9% | 6.50% | $81M |
What Continental Mortgage Bankers 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: 3 home-equity lines, 2 reverse mortgages, 0 manufactured homes, 9 investment properties.
Why Continental Mortgage Bankers denies applications
Primary reason reported for each of the 8 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Continental Mortgage Bankers
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 24 | 19 | 0.0% |
| $100k – $150k | 36 | 26 | 13.3% |
| $150k – $250k | 92 | 75 | 3.9% |
| Over $250k | 38 | 30 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 57 | 46 | 0.0% |
| 35–44 | 64 | 49 | 5.8% |
| 45–54 | 39 | 33 | 5.7% |
Where Continental Mortgage Bankers lends
4 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 182 | 146 | 2.8% | 6.50% | #217 |
| Connecticut | 10 | 6 | 30.0% | 6.69% | #374 |
| Florida | 5 | 3 | 0.0% | 6.49% | #1,119 |
Frequently asked questions
Continental Mortgage Bankers denied 4.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 73rd percentile of small mortgage lenders.
The most common reason Continental Mortgage Bankers gave in 2025 was "unverifiable information", cited on 37.5% 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 Continental Mortgage Bankers originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.21 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 81% of its applications were for home purchases, 19% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 80% conventional, 17% FHA, 3% 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.