Jeff Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F 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%
4th36.9% deniedProcesswithdrawn + incomplete share, weight 15%
36th14.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 168 | 64 | 45.8% | 50.0% | — | $20M |
| 2024 | 164 | 83 | 29.9% | 33.3% | — | $19M |
| 2025 | 197 | 82 | 31.5% | 36.9% | — | $21M |
What Jeff 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, 29 manufactured homes, 22 investment properties.
Who gets approved at Jeff Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 23 | 7 | 65.2% |
| $50k – $100k | 44 | 17 | 40.5% |
| $100k – $150k | 39 | 19 | 30.3% |
| $150k – $250k | 33 | 17 | 22.2% |
| Over $250k | 32 | 16 | 7.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 37 | 14 | 41.4% |
| 35–44 | 48 | 21 | 34.9% |
| 45–54 | 31 | 14 | 44.4% |
| 55–64 | 35 | 16 | 32.3% |
Where Jeff Bank lends
2 states and 6 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 185 | 74 | 33.0% | — | #213 |
| Pennsylvania | 12 | 8 | 8.3% | — | #669 |
Frequently asked questions
Jeff Bank denied 36.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of small mortgage lenders.
In 2025, 73% of its applications were for home purchases, 9% for refinancing (including cash-out), and 18% 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.