Stockmens 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%
77th4.2% deniedProcesswithdrawn + incomplete share, weight 15%
76th5.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 105 | 84 | 8.6% | 9.1% | — | $16M |
| 2024 | 90 | 75 | 10.0% | 10.3% | — | $15M |
| 2025 | 176 | 153 | 4.0% | 4.2% | — | $39M |
What Stockmens 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, 22 manufactured homes, 70 investment properties.
Who gets approved at Stockmens Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 28 | 21 | 18.5% |
| $50k – $100k | 47 | 38 | 2.4% |
| $100k – $150k | 30 | 26 | 3.6% |
| $150k – $250k | 24 | 23 | 0.0% |
| Over $250k | 23 | 22 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 35 | 31 | 5.7% |
| 35–44 | 41 | 35 | 5.3% |
| 45–54 | 23 | 21 | 0.0% |
| 55–64 | 22 | 16 | 11.1% |
Where Stockmens Bank lends
5 states and 27 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Stockmens Bank denied 4.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 77th percentile of small mortgage lenders.
In 2025, 57% of its applications were for home purchases, 32% 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.