Pioneer Bank & Trust at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
48th10.1% deniedProcesswithdrawn + incomplete share, weight 15%
27th17.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 161 | 110 | 10.6% | 12.9% | — | $31M |
| 2024 | 173 | 134 | 4.6% | 5.4% | — | $47M |
| 2025 | 192 | 139 | 8.3% | 10.1% | — | $53M |
What Pioneer Bank & 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, 21 manufactured homes, 32 investment properties.
Who gets approved at Pioneer Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 48 | 31 | 18.0% |
| $100k – $150k | 59 | 38 | 11.1% |
| $150k – $250k | 23 | 19 | 5.0% |
| Over $250k | 26 | 19 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 37 | 27 | 12.1% |
| 35–44 | 44 | 35 | 5.3% |
| 45–54 | 39 | 28 | 15.2% |
| 55–64 | 21 | 10 | 9.1% |
Where Pioneer Bank & Trust lends
7 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| South Dakota | 180 | 130 | 8.3% | — | #38 |
| Wyoming | 6 | 4 | 16.7% | — | #178 |
Frequently asked questions
Pioneer Bank & Trust denied 10.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 48th percentile of small mortgage lenders.
In 2025, 73% of its applications were for home purchases, 21% for refinancing (including cash-out), and 6% for home improvement or other purposes. By loan type: 85% conventional, 6% FHA, 8% 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.