National Bank of St. Anne 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%
85th2.8% deniedProcesswithdrawn + incomplete share, weight 15%
81st4.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 146 | 114 | 2.1% | 2.3% | — | $16M |
| 2024 | 117 | 99 | 1.7% | 1.8% | — | $18M |
| 2025 | 114 | 97 | 2.6% | 2.8% | — | $19M |
What National Bank of St. Anne 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, 20 investment properties.
Why National Bank of St. Anne denies applications
Primary reason reported for each of the 3 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at National Bank of St. Anne
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 31 | 25 | 3.6% |
| $100k – $150k | 35 | 31 | 5.9% |
| $150k – $250k | 20 | 17 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 22 | 20 | 4.6% |
| 45–54 | 23 | 18 | 4.6% |
| 55–64 | 20 | 17 | 5.3% |
Where National Bank of St. Anne 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 |
|---|---|---|---|---|---|
| Illinois | 107 | 91 | 2.8% | — | #338 |
Frequently asked questions
National Bank of St. Anne denied 2.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 85th percentile of small mortgage lenders.
The most common reason National Bank of St. Anne gave in 2025 was "credit history", cited on 66.7% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 46% of its applications were for home purchases, 34% for refinancing (including cash-out), and 20% 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.