Jd Bancshares at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
12th19.6% deniedProcesswithdrawn + incomplete share, weight 15%
18th15.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 369 | 249 | 14.4% | 15.6% | 7.50% | $36M |
| 2024 | 319 | 205 | 13.2% | 16.1% | — | $55M |
| 2025 | 254 | 170 | 16.5% | 19.6% | — | $26M |
What Jd Bancshares 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, 77 manufactured homes, 141 investment properties.
Who gets approved at Jd Bancshares
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 31 | 11 | 50.0% |
| $50k – $100k | 45 | 27 | 29.0% |
| $100k – $150k | 44 | 24 | 21.9% |
| $150k – $250k | 31 | 22 | 15.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 34 | 16 | 32.0% |
| 35–44 | 21 | 13 | 23.5% |
| 45–54 | 32 | 18 | 33.3% |
| 55–64 | 36 | 22 | 29.0% |
Where Jd Bancshares lends
6 states and 29 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 247 | 164 | 17.0% | — | #99 |
Frequently asked questions
Jd Bancshares denied 19.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 12th percentile of investment-property lenders.
In 2025, 40% of its applications were for home purchases, 43% for refinancing (including cash-out), and 17% 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.