Resource 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 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
64th2.5% deniedProcesswithdrawn + incomplete share, weight 15%
65th2.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 270 | 247 | 3.0% | 3.1% | — | $78M |
| 2024 | 187 | 165 | 3.7% | 4.1% | — | $55M |
| 2025 | 204 | 193 | 2.5% | 2.5% | — | $88M |
What Resource 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, 2 manufactured homes, 130 investment properties.
Who gets approved at Resource Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $150k – $250k | 23 | 21 | 4.6% |
| Over $250k | 50 | 47 | 4.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 27 | 25 | 7.4% |
| 45–54 | 26 | 22 | 0.0% |
| 55–64 | 27 | 26 | 3.7% |
Where Resource Bank lends
4 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 195 | 184 | 2.6% | — | #120 |
| Mississippi | 7 | 7 | 0.0% | — | #317 |
Frequently asked questions
Resource Bank denied 2.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 64th percentile of investment-property lenders.
In 2025, 51% of its applications were for home purchases, 42% for refinancing (including cash-out), and 7% 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.