Helm Bank USA 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 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
37th7.3% deniedProcesswithdrawn + incomplete share, weight 15%
21st13.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 282 | 192 | 12.8% | 15.4% | — | $99M |
| 2024 | 283 | 195 | 8.8% | 10.9% | — | $108M |
| 2025 | 207 | 163 | 6.3% | 7.3% | — | $101M |
What Helm Bank USA 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, 177 investment properties.
Why Helm Bank USA denies applications
Primary reason reported for each of the 13 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Helm Bank USA
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Over $250k | 23 | 16 | 20.0% |
Where Helm Bank USA lends
1 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Florida | 207 | 163 | 6.3% | — | #361 |
Frequently asked questions
Helm Bank USA denied 7.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 37th percentile of investment-property lenders.
The most common reason Helm Bank USA gave in 2025 was "other", cited on 53.8% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 80% of its applications were for home purchases, 20% for refinancing (including cash-out), and 0% 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.