Pineland 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%
80th3.5% deniedProcesswithdrawn + incomplete share, weight 15%
60th9.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 129 | 109 | 6.2% | 6.6% | — | $17M |
| 2024 | 153 | 125 | 7.8% | 8.3% | — | $24M |
| 2025 | 159 | 131 | 3.1% | 3.5% | — | $29M |
What Pineland 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, 39 manufactured homes, 73 investment properties.
Who gets approved at Pineland Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 40 | 25 | 9.1% |
| $100k – $150k | 21 | 21 | 0.0% |
| $150k – $250k | 20 | 17 | 0.0% |
| Over $250k | 20 | 17 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 25 | 14 | 10.0% |
| 35–44 | 22 | 16 | 0.0% |
| 55–64 | 24 | 21 | 4.6% |
| 65–74 | 24 | 19 | 9.5% |
Where Pineland Bank lends
2 states and 20 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Pineland Bank denied 3.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 80th percentile of small mortgage lenders.
In 2025, 55% of its applications were for home purchases, 36% for refinancing (including cash-out), and 9% 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.