South Story Bank & Trust 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%
90th1.8% deniedProcesswithdrawn + incomplete share, weight 15%
81st4.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 94 | 79 | 0.0% | 0.0% | — | $27M |
| 2024 | 82 | 72 | 1.2% | 1.4% | — | $26M |
| 2025 | 114 | 106 | 1.8% | 1.8% | — | $38M |
What South Story Bank & Trust 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, 3 manufactured homes, 24 investment properties.
Who gets approved at South Story Bank & Trust
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 31 | 28 | 0.0% |
| $150k – $250k | 22 | 20 | 0.0% |
| Over $250k | 23 | 23 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 24 | 21 | 4.4% |
| 35–44 | 28 | 26 | 3.7% |
| 55–64 | 21 | 20 | 0.0% |
Where South Story Bank & Trust lends
9 states and 28 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
South Story Bank & Trust denied 1.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 90th percentile of small mortgage lenders.
In 2025, 82% of its applications were for home purchases, 11% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 99% 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.