Elderton 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%
33rd14.1% deniedProcesswithdrawn + incomplete share, weight 15%
89th2.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 165 | 123 | 17.6% | 18.4% | — | $20M |
| 2024 | 170 | 145 | 7.7% | 7.8% | — | $22M |
| 2025 | 188 | 152 | 13.8% | 14.1% | — | $31M |
What Elderton 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, 16 manufactured homes, 64 investment properties.
Who gets approved at Elderton State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 46 | 35 | 15.9% |
| $100k – $150k | 45 | 34 | 20.5% |
| $150k – $250k | 22 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 42 | 35 | 14.3% |
| 35–44 | 41 | 32 | 19.5% |
Where Elderton State Bank lends
1 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 188 | 152 | 13.8% | — | #284 |
Frequently asked questions
Elderton State Bank denied 14.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 33rd percentile of small mortgage lenders.
In 2025, 57% of its applications were for home purchases, 27% 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.