Diamond 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 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
28th9.9% deniedProcesswithdrawn + incomplete share, weight 15%
29th10.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 226 | 166 | 8.9% | 10.7% | — | $24M |
| 2024 | 254 | 213 | 7.5% | 8.1% | — | $29M |
| 2025 | 270 | 216 | 8.9% | 9.9% | — | $45M |
What Diamond 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, 32 manufactured homes, 140 investment properties.
Who gets approved at Diamond Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 65 | 40 | 18.0% |
| $50k – $100k | 77 | 57 | 14.7% |
| $100k – $150k | 28 | 23 | 14.8% |
| $150k – $250k | 25 | 23 | 4.2% |
| Over $250k | 28 | 26 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 38 | 31 | 8.6% |
| 35–44 | 41 | 34 | 8.1% |
| 45–54 | 52 | 40 | 14.9% |
| 55–64 | 31 | 23 | 14.8% |
| 65–74 | 33 | 27 | 12.9% |
Where Diamond Bank lends
3 states and 27 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Diamond Bank denied 9.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 28th percentile of investment-property lenders.
In 2025, 59% of its applications were for home purchases, 25% for refinancing (including cash-out), and 16% 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.