Stillman BancCorp at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
45th11.1% deniedPricingmedian rate spread over APOR, weight 30%
38th0.37 ptsProcesswithdrawn + incomplete share, weight 15%
76th5.7%Closing coststotal loan costs ÷ loan amount, weight 10%
66th1.49% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 235 | 181 | 9.4% | 10.8% | 6.70% | $30M |
| 2024 | 286 | 230 | 8.0% | 8.5% | 6.74% | $38M |
| 2025 | 297 | 224 | 10.4% | 11.1% | 6.63% | $46M |
What Stillman BancCorp 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, 44 investment properties.
Why Stillman BancCorp denies applications
Primary reason reported for each of the 31 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Stillman BancCorp
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 34 | 18 | 28.1% |
| $50k – $100k | 103 | 82 | 9.1% |
| $100k – $150k | 53 | 41 | 8.0% |
| $150k – $250k | 56 | 40 | 11.8% |
| Over $250k | 28 | 23 | 3.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 43 | 32 | 11.9% |
| 35–44 | 47 | 33 | 11.6% |
| 45–54 | 52 | 45 | 7.8% |
| 55–64 | 51 | 35 | 9.3% |
| 65–74 | 48 | 33 | 10.9% |
| Over 74 | 21 | 14 | 28.6% |
Where Stillman BancCorp lends
8 states and 26 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Stillman BancCorp denied 11.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 45th percentile of small mortgage lenders.
The most common reason Stillman BancCorp gave in 2025 was "debt-to-income ratio", cited on 38.7% 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 Stillman BancCorp originated in 2025 was 6.63%, and its median rate spread over the average prime offer rate was 0.37 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 52% of its applications were for home purchases, 44% for refinancing (including cash-out), and 3% for home improvement or other purposes. By loan type: 98% conventional, 1% 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.