MNB Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B 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%
60th7.5% deniedProcesswithdrawn + incomplete share, weight 15%
89th2.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 119 | 107 | 9.2% | 9.3% | — | $11M |
| 2024 | 145 | 129 | 7.6% | 7.9% | — | $20M |
| 2025 | 149 | 135 | 7.4% | 7.5% | — | $17M |
What MNB 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, 2 manufactured homes, 32 investment properties.
Who gets approved at MNB Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 21 | 17 | 19.1% |
| $50k – $100k | 54 | 48 | 7.7% |
| $100k – $150k | 37 | 35 | 5.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 21 | 19 | 9.5% |
| 45–54 | 34 | 31 | 8.8% |
| 55–64 | 34 | 29 | 12.1% |
Where MNB Bank lends
4 states and 27 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
MNB Bank denied 7.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 60th percentile of small mortgage lenders.
In 2025, 33% of its applications were for home purchases, 40% for refinancing (including cash-out), and 27% for home improvement or other purposes. By loan type: 93% conventional, 1% 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.