CUSB Bank 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%
41st12.0% deniedProcesswithdrawn + incomplete share, weight 15%
44th12.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 232 | 172 | 16.4% | 17.9% | — | $24M |
| 2024 | 190 | 156 | 11.1% | 11.9% | — | $24M |
| 2025 | 211 | 162 | 10.4% | 12.0% | — | $29M |
What CUSB Bank 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, 10 manufactured homes, 28 investment properties.
Who gets approved at CUSB Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 48 | 33 | 15.4% |
| $50k – $100k | 72 | 52 | 20.0% |
| $100k – $150k | 44 | 36 | 7.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 40 | 30 | 11.8% |
| 25–34 | 54 | 46 | 11.5% |
| 35–44 | 41 | 29 | 19.4% |
| 45–54 | 29 | 19 | 5.0% |
| 55–64 | 20 | 16 | 11.1% |
Where CUSB Bank lends
2 states and 27 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
CUSB Bank denied 12.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 41st percentile of small mortgage lenders.
In 2025, 80% of its applications were for home purchases, 18% for refinancing (including cash-out), and 2% 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.