Countybank 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%
65th6.5% deniedPricingmedian rate spread over APOR, weight 30%
64th0.17 ptsProcesswithdrawn + incomplete share, weight 15%
17th20.9%Closing coststotal loan costs ÷ loan amount, weight 10%
66th1.50% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 755 | 520 | 9.0% | 11.5% | 6.63% | $155M |
| 2024 | 751 | 557 | 5.7% | 7.1% | 6.63% | $175M |
| 2025 | 876 | 642 | 5.1% | 6.5% | 6.50% | $216M |
What Countybank 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, 8 manufactured homes, 50 investment properties.
Why Countybank denies applications
Primary reason reported for each of the 45 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Countybank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 74 | 44 | 19.6% |
| $50k – $100k | 284 | 204 | 9.3% |
| $100k – $150k | 200 | 145 | 2.0% |
| $150k – $250k | 185 | 148 | 0.7% |
| Over $250k | 96 | 75 | 3.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 54 | 39 | 7.1% |
| 25–34 | 262 | 197 | 3.4% |
| 35–44 | 179 | 135 | 6.9% |
| 45–54 | 125 | 92 | 8.8% |
| 55–64 | 145 | 96 | 7.6% |
| 65–74 | 68 | 51 | 8.9% |
| Over 74 | 38 | 27 | 9.7% |
Where Countybank lends
14 states and 78 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Carolina | 599 | 444 | 5.0% | 6.62% | #87 |
| Tennessee | 236 | 173 | 5.9% | 6.50% | #194 |
| North Carolina | 12 | 8 | 0.0% | 6.75% | #602 |
| Georgia | 11 | 5 | 9.1% | 6.13% | #652 |
Frequently asked questions
Countybank denied 6.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 65th percentile of small mortgage lenders.
The most common reason Countybank gave in 2025 was "credit history", cited on 35.6% 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 Countybank originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.17 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 69% of its applications were for home purchases, 27% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 82% conventional, 12% FHA, 4% 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.