Hearthside 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%
42nd11.7% deniedProcesswithdrawn + incomplete share, weight 15%
23rd18.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 261 | 174 | 14.9% | 17.5% | — | $42M |
| 2024 | 221 | 155 | 14.5% | 16.6% | — | $53M |
| 2025 | 252 | 173 | 9.5% | 11.7% | — | $58M |
What Hearthside 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, 24 manufactured homes, 60 investment properties.
Who gets approved at Hearthside Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 30 | 18 | 26.9% |
| $50k – $100k | 68 | 34 | 24.5% |
| $100k – $150k | 44 | 28 | 12.1% |
| $150k – $250k | 37 | 31 | 0.0% |
| Over $250k | 39 | 34 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 44 | 31 | 11.1% |
| 35–44 | 40 | 24 | 14.3% |
| 45–54 | 39 | 28 | 16.7% |
| 55–64 | 48 | 36 | 9.8% |
| 65–74 | 27 | 16 | 10.5% |
Where Hearthside Bank lends
7 states and 35 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Hearthside Bank denied 11.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 42nd percentile of small mortgage lenders.
In 2025, 73% of its applications were for home purchases, 19% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 96% 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.