CoreFirst 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%
23rd18.5% deniedPricingmedian rate spread over APOR, weight 30%
10th1.09 ptsProcesswithdrawn + incomplete share, weight 15%
95th0.2%Closing coststotal loan costs ÷ loan amount, weight 10%
23rd2.78% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 528 | 430 | 7.8% | 7.8% | 8.00% | $84M |
| 2024 | 539 | 404 | 11.1% | 11.2% | 7.60% | $59M |
| 2025 | 418 | 289 | 18.4% | 18.5% | 8.00% | $65M |
What CoreFirst 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: 194 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 88 investment properties.
Why CoreFirst Bank & Trust denies applications
Primary reason reported for each of the 77 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at CoreFirst 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 | 57 | 31 | 33.3% |
| $50k – $100k | 121 | 76 | 26.5% |
| $100k – $150k | 82 | 48 | 23.2% |
| $150k – $250k | 39 | 31 | 10.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 35 | 24 | 22.9% |
| 35–44 | 45 | 30 | 15.6% |
| 45–54 | 48 | 28 | 33.3% |
| 55–64 | 77 | 47 | 19.7% |
| 65–74 | 75 | 55 | 20.0% |
| Over 74 | 40 | 22 | 32.5% |
Where CoreFirst Bank & Trust lends
3 states and 23 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
CoreFirst Bank & Trust denied 18.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 23rd percentile of small mortgage lenders.
The most common reason CoreFirst Bank & Trust gave in 2025 was "debt-to-income ratio", cited on 51.9% 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 CoreFirst Bank & Trust originated in 2025 was 8.00%, and its median rate spread over the average prime offer rate was 1.09 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 27% of its applications were for home purchases, 22% for refinancing (including cash-out), and 52% 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.