Mound City Bank 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%
87th2.3% deniedProcesswithdrawn + incomplete share, weight 15%
82nd4.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 189 | 165 | 3.7% | 3.7% | 6.99% | $36M |
| 2024 | 259 | 223 | 1.9% | 2.0% | — | $52M |
| 2025 | 316 | 273 | 2.2% | 2.3% | — | $74M |
What Mound City 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, 3 manufactured homes, 94 investment properties.
Who gets approved at Mound City Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 25 | 0.0% |
| $50k – $100k | 80 | 65 | 5.2% |
| $100k – $150k | 71 | 60 | 1.5% |
| $150k – $250k | 40 | 35 | 0.0% |
| Over $250k | 21 | 16 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 29 | 27 | 0.0% |
| 25–34 | 74 | 65 | 4.3% |
| 35–44 | 48 | 38 | 4.4% |
| 45–54 | 37 | 31 | 0.0% |
| 55–64 | 26 | 21 | 0.0% |
| 65–74 | 21 | 16 | 0.0% |
Where Mound City Bank lends
4 states and 31 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Mound City Bank denied 2.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 87th percentile of small mortgage lenders.
In 2025, 57% of its applications were for home purchases, 36% for refinancing (including cash-out), and 7% 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.