Primebank 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%
77th4.2% deniedProcesswithdrawn + incomplete share, weight 15%
89th1.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 306 | 277 | 4.3% | 4.5% | 6.75% | $60M |
| 2024 | 294 | 261 | 4.1% | 4.3% | — | $51M |
| 2025 | 368 | 342 | 4.1% | 4.2% | — | $77M |
What Primebank 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, 4 manufactured homes, 120 investment properties.
Who gets approved at Primebank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 29 | 27 | 3.5% |
| $50k – $100k | 103 | 91 | 7.1% |
| $100k – $150k | 63 | 60 | 3.2% |
| $150k – $250k | 49 | 42 | 8.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 76 | 68 | 6.9% |
| 35–44 | 77 | 71 | 6.5% |
| 45–54 | 51 | 48 | 0.0% |
| 55–64 | 36 | 32 | 8.6% |
| 65–74 | 26 | 24 | 0.0% |
Where Primebank lends
3 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 |
|---|---|---|---|---|---|
| Iowa | 317 | 295 | 3.8% | — | #70 |
| Nebraska | 35 | 33 | 5.7% | — | #162 |
| South Dakota | 16 | 14 | 6.3% | — | #116 |
Frequently asked questions
Primebank denied 4.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 77th percentile of small mortgage lenders.
In 2025, 65% of its applications were for home purchases, 20% for refinancing (including cash-out), and 15% 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.