Jefferson Security 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%
46th10.6% deniedProcesswithdrawn + incomplete share, weight 15%
39th14.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 193 | 154 | 9.3% | 10.3% | — | $44M |
| 2024 | 163 | 127 | 12.3% | 13.3% | — | $41M |
| 2025 | 186 | 135 | 9.1% | 10.6% | — | $46M |
What Jefferson Security 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, 51 investment properties.
Who gets approved at Jefferson Security Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 45 | 27 | 22.2% |
| $100k – $150k | 29 | 23 | 4.2% |
| $150k – $250k | 38 | 26 | 14.3% |
| Over $250k | 23 | 17 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 36 | 26 | 18.8% |
| 35–44 | 21 | 11 | 20.0% |
| 45–54 | 35 | 26 | 10.3% |
| 55–64 | 29 | 19 | 11.1% |
Where Jefferson Security Bank lends
4 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| West Virginia | 168 | 123 | 9.5% | — | #69 |
| Maryland | 10 | 6 | 10.0% | — | #478 |
| Virginia | 7 | 5 | 0.0% | — | #615 |
Frequently asked questions
Jefferson Security Bank denied 10.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 46th percentile of small mortgage lenders.
In 2025, 66% of its applications were for home purchases, 17% 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.