PyraMax 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%
63rd7.0% deniedPricingmedian rate spread over APOR, weight 30%
79th0.03 ptsProcesswithdrawn + incomplete share, weight 15%
50th11.6%Closing coststotal loan costs ÷ loan amount, weight 10%
89th0.82% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 144 | 108 | 10.4% | 11.7% | 6.61% | $29M |
| 2024 | 127 | 108 | 7.9% | 8.5% | 6.75% | $33M |
| 2025 | 146 | 119 | 6.2% | 7.0% | 6.50% | $48M |
What PyraMax 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, 9 investment properties.
Why PyraMax Bank denies applications
Primary reason reported for each of the 9 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at PyraMax Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 44 | 35 | 10.3% |
| $100k – $150k | 33 | 24 | 10.7% |
| $150k – $250k | 35 | 29 | 3.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 38 | 5.0% |
| 35–44 | 34 | 27 | 3.6% |
| 55–64 | 24 | 16 | 5.9% |
Where PyraMax Bank lends
3 states and 17 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Wisconsin | 144 | 117 | 6.3% | 6.50% | #212 |
Frequently asked questions
PyraMax Bank denied 7.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 63rd percentile of small mortgage lenders.
The most common reason PyraMax Bank gave in 2025 was "debt-to-income ratio", cited on 44.4% 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 PyraMax Bank originated in 2025 was 6.50%, and its median rate spread over the average prime offer rate was 0.03 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 68% of its applications were for home purchases, 32% for refinancing (including cash-out), and 0% 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.