Gnb 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%
67th6.1% deniedProcesswithdrawn + incomplete share, weight 15%
31st16.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 149 | 99 | 16.8% | 20.2% | — | $18M |
| 2024 | 146 | 113 | 11.6% | 13.1% | — | $17M |
| 2025 | 137 | 107 | 5.1% | 6.1% | — | $30M |
What Gnb 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, 2 manufactured homes, 35 investment properties.
Who gets approved at Gnb Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 20 | 13 | 7.1% |
| $50k – $100k | 41 | 31 | 8.8% |
| $100k – $150k | 25 | 18 | 10.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 31 | 20 | 4.6% |
| 35–44 | 22 | 13 | 7.1% |
Where Gnb Bank lends
5 states and 26 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Iowa | 130 | 102 | 5.4% | — | #133 |
Frequently asked questions
Gnb Bank denied 6.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 67th percentile of small mortgage lenders.
In 2025, 74% of its applications were for home purchases, 22% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 93% 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.