Focus 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%
43rd11.5% deniedProcesswithdrawn + incomplete share, weight 15%
65th8.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 307 | 243 | 12.7% | 13.7% | — | $39M |
| 2024 | 271 | 216 | 8.1% | 9.1% | — | $42M |
| 2025 | 323 | 258 | 10.5% | 11.5% | — | $60M |
What Focus 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, 33 manufactured homes, 122 investment properties.
Who gets approved at Focus Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 52 | 28 | 32.6% |
| $50k – $100k | 78 | 63 | 14.9% |
| $100k – $150k | 47 | 36 | 11.9% |
| $150k – $250k | 39 | 31 | 5.9% |
| Over $250k | 35 | 33 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 35 | 24 | 19.4% |
| 35–44 | 43 | 33 | 17.5% |
| 45–54 | 67 | 52 | 11.9% |
| 55–64 | 59 | 50 | 7.1% |
| 65–74 | 32 | 25 | 7.4% |
Where Focus Bank lends
6 states and 31 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Focus Bank denied 11.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 43rd percentile of small mortgage lenders.
In 2025, 52% of its applications were for home purchases, 26% for refinancing (including cash-out), and 21% 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.