Mifflinburg Bank and Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A 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%
90th1.8% deniedProcesswithdrawn + incomplete share, weight 15%
93rd1.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 202 | 180 | 5.5% | 5.5% | — | $29M |
| 2024 | 183 | 171 | 4.4% | 4.4% | — | $31M |
| 2025 | 173 | 163 | 1.7% | 1.8% | — | $34M |
What Mifflinburg Bank and Trust 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, 5 manufactured homes, 54 investment properties.
Who gets approved at Mifflinburg Bank and Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 51 | 48 | 3.9% |
| $100k – $150k | 31 | 29 | 0.0% |
| $150k – $250k | 21 | 21 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 22 | 21 | 0.0% |
| 25–34 | 27 | 26 | 0.0% |
| 35–44 | 38 | 35 | 0.0% |
| 45–54 | 22 | 20 | 9.1% |
Where Mifflinburg Bank and Trust lends
2 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 172 | 162 | 1.7% | — | #301 |
Frequently asked questions
Mifflinburg Bank and Trust denied 1.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 90th percentile of small mortgage lenders.
In 2025, 71% of its applications were for home purchases, 17% for refinancing (including cash-out), and 12% 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.