PriorityOne 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%
52nd9.2% deniedPricingmedian rate spread over APOR, weight 30%
46th0.30 ptsProcesswithdrawn + incomplete share, weight 15%
61st9.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 704 | 549 | 9.0% | 10.2% | 6.50% | $112M |
| 2024 | 833 | 659 | 7.6% | 8.6% | 8.00% | $129M |
| 2025 | 779 | 629 | 8.3% | 9.2% | 7.25% | $136M |
What PriorityOne 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: 251 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 94 investment properties.
Why PriorityOne Bank denies applications
Primary reason reported for each of the 65 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at PriorityOne Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 93 | 55 | 23.1% |
| $50k – $100k | 233 | 188 | 10.4% |
| $100k – $150k | 167 | 135 | 9.7% |
| $150k – $250k | 142 | 123 | 3.9% |
| Over $250k | 66 | 57 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 46 | 37 | 5.0% |
| 25–34 | 175 | 136 | 10.3% |
| 35–44 | 180 | 141 | 8.3% |
| 45–54 | 129 | 106 | 10.8% |
| 55–64 | 105 | 86 | 6.3% |
| 65–74 | 60 | 44 | 21.1% |
| Over 74 | 23 | 20 | 9.1% |
Where PriorityOne Bank lends
7 states and 56 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Mississippi | 758 | 612 | 8.4% | 7.25% | #32 |
| Alabama | 7 | 4 | 0.0% | 6.31% | #522 |
| Tennessee | 6 | 6 | 0.0% | 6.56% | #706 |
Frequently asked questions
PriorityOne Bank denied 9.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 52nd percentile of small mortgage lenders.
The most common reason PriorityOne Bank gave in 2025 was "credit history", cited on 46.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans PriorityOne Bank originated in 2025 was 7.25%, and its median rate spread over the average prime offer rate was 0.30 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 54% of its applications were for home purchases, 24% for refinancing (including cash-out), and 23% for home improvement or other purposes. By loan type: 74% conventional, 21% 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.