FCN Bank 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%
69th5.8% deniedProcesswithdrawn + incomplete share, weight 15%
72nd6.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 347 | 282 | 8.1% | 8.6% | 6.75% | $64M |
| 2024 | 237 | 205 | 5.1% | 5.5% | 7.50% | $49M |
| 2025 | 280 | 243 | 5.4% | 5.8% | — | $59M |
What FCN 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, 25 manufactured homes, 39 investment properties.
Who gets approved at FCN Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 44 | 38 | 9.3% |
| $50k – $100k | 78 | 66 | 9.6% |
| $100k – $150k | 68 | 58 | 3.3% |
| $150k – $250k | 37 | 30 | 6.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 36 | 5.1% |
| 35–44 | 56 | 47 | 6.0% |
| 45–54 | 46 | 39 | 8.9% |
| 55–64 | 38 | 32 | 11.1% |
| 65–74 | 24 | 19 | 5.0% |
| Over 74 | 23 | 21 | 4.6% |
Where FCN Bank lends
3 states and 21 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
FCN Bank denied 5.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 69th percentile of small mortgage lenders.
In 2025, 41% of its applications were for home purchases, 38% for refinancing (including cash-out), and 20% 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.