Prime Meridian 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%
76th4.4% deniedProcesswithdrawn + incomplete share, weight 15%
22nd19.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 171 | 142 | 5.9% | 6.3% | — | $59M |
| 2024 | 169 | 112 | 4.7% | 5.8% | — | $44M |
| 2025 | 195 | 137 | 3.6% | 4.4% | — | $62M |
What Prime Meridian 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, 1 manufactured homes, 53 investment properties.
Who gets approved at Prime Meridian Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 33 | 19 | 7.4% |
| $100k – $150k | 40 | 24 | 3.3% |
| $150k – $250k | 45 | 33 | 2.8% |
| Over $250k | 43 | 34 | 2.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 24 | 15 | 0.0% |
| 35–44 | 40 | 27 | 11.8% |
| 45–54 | 46 | 37 | 2.4% |
| 55–64 | 36 | 21 | 4.4% |
Where Prime Meridian Bank lends
4 states and 27 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Prime Meridian Bank denied 4.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 76th percentile of small mortgage lenders.
In 2025, 75% of its applications were for home purchases, 17% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 98% conventional, 0% FHA, 2% 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.