Ives 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%
45th10.9% deniedProcesswithdrawn + incomplete share, weight 15%
16th21.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 516 | 389 | 6.2% | 7.5% | 6.00% | $222M |
| 2024 | 323 | 225 | 11.2% | 13.6% | — | $111M |
| 2025 | 247 | 171 | 8.5% | 10.9% | — | $130M |
What Ives 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, 40 investment properties.
Who gets approved at Ives Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 34 | 25 | 7.4% |
| $100k – $150k | 51 | 35 | 10.3% |
| $150k – $250k | 64 | 40 | 20.0% |
| Over $250k | 75 | 54 | 5.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 66 | 49 | 5.8% |
| 35–44 | 68 | 46 | 13.0% |
| 45–54 | 38 | 26 | 13.3% |
| 55–64 | 35 | 20 | 20.0% |
Where Ives Bank lends
2 states and 10 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Connecticut | 239 | 167 | 8.4% | — | #90 |
| New York | 8 | 4 | 12.5% | — | #486 |
Frequently asked questions
Ives Bank denied 10.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 45th percentile of small mortgage lenders.
In 2025, 78% of its applications were for home purchases, 21% for refinancing (including cash-out), and 1% 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.