Edmonton State 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%
29th15.9% deniedProcesswithdrawn + incomplete share, weight 15%
36th14.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 599 | 452 | 14.9% | 16.3% | 7.50% | $81M |
| 2024 | 594 | 435 | 12.8% | 14.8% | 7.75% | $89M |
| 2025 | 730 | 520 | 13.6% | 15.9% | — | $129M |
What Edmonton State 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, 60 manufactured homes, 135 investment properties.
Who gets approved at Edmonton State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 134 | 73 | 37.1% |
| $50k – $100k | 246 | 174 | 16.7% |
| $100k – $150k | 148 | 110 | 7.5% |
| $150k – $250k | 76 | 57 | 9.5% |
| Over $250k | 46 | 35 | 2.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 71 | 45 | 22.4% |
| 25–34 | 157 | 107 | 19.3% |
| 35–44 | 147 | 106 | 11.7% |
| 45–54 | 125 | 93 | 15.5% |
| 55–64 | 91 | 62 | 21.5% |
| 65–74 | 63 | 44 | 10.2% |
Where Edmonton State Bank lends
4 states and 33 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Edmonton State Bank denied 15.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 29th percentile of small mortgage lenders.
In 2025, 62% of its applications were for home purchases, 25% for refinancing (including cash-out), and 13% for home improvement or other purposes. By loan type: 93% conventional, 1% FHA, 1% 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.