German-American 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%
36th13.2% deniedProcesswithdrawn + incomplete share, weight 15%
77th5.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 37 | 29 | 8.1% | 9.1% | — | $4.2M |
| 2024 | 26 | 21 | 7.7% | 8.7% | — | $4.1M |
| 2025 | 128 | 102 | 12.5% | 13.2% | — | $31M |
What German-American 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, 0 manufactured homes, 27 investment properties.
Who gets approved at German-American 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 | 50 | 39 | 11.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 22 | 18 | 9.5% |
| 35–44 | 33 | 23 | 25.8% |
| 45–54 | 20 | 14 | 11.1% |
| 55–64 | 21 | 18 | 10.0% |
Where German-American State Bank lends
2 states and 18 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
German-American State Bank denied 13.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 36th percentile of small mortgage lenders.
In 2025, 57% of its applications were for home purchases, 36% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 98% conventional, 2% 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.