SSB Bank 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%
87th2.3% deniedProcesswithdrawn + incomplete share, weight 15%
91st1.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 162 | 156 | 0.6% | 0.6% | — | $41M |
| 2024 | 135 | 123 | 2.2% | 2.2% | — | $33M |
| 2025 | 131 | 125 | 2.3% | 2.3% | — | $36M |
What SSB 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, 0 manufactured homes, 31 investment properties.
Who gets approved at SSB Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 23 | 20 | 13.0% |
| $100k – $150k | 24 | 24 | 0.0% |
| $150k – $250k | 24 | 23 | 0.0% |
| Over $250k | 26 | 25 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 29 | 28 | 0.0% |
| 35–44 | 31 | 29 | 6.5% |
| 45–54 | 23 | 23 | 0.0% |
Where SSB Bank lends
4 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 |
|---|---|---|---|---|---|
| Pennsylvania | 126 | 120 | 2.4% | — | #349 |
Frequently asked questions
SSB Bank denied 2.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 87th percentile of small mortgage lenders.
In 2025, 70% of its applications were for home purchases, 20% for refinancing (including cash-out), and 10% 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.