Susser 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 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%
74th4.8% deniedPricingmedian rate spread over APOR, weight 30%
40th0.35 ptsProcesswithdrawn + incomplete share, weight 15%
12th23.8%Closing coststotal loan costs ÷ loan amount, weight 10%
43rd2.10% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 459 | 318 | 5.0% | 6.5% | 7.00% | $144M |
| 2024 | 477 | 317 | 7.6% | 10.1% | 6.88% | $170M |
| 2025 | 467 | 337 | 3.6% | 4.8% | 6.75% | $182M |
What Susser 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, 3 manufactured homes, 57 investment properties.
Why Susser Bank denies applications
Primary reason reported for each of the 17 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Susser Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 95 | 68 | 5.6% |
| $100k – $150k | 83 | 62 | 3.1% |
| $150k – $250k | 102 | 72 | 5.2% |
| Over $250k | 149 | 102 | 5.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 16 | 0.0% |
| 25–34 | 123 | 86 | 6.5% |
| 35–44 | 126 | 86 | 7.5% |
| 45–54 | 82 | 62 | 3.1% |
| 55–64 | 46 | 34 | 2.9% |
| 65–74 | 29 | 16 | 5.6% |
Where Susser Bank lends
16 states and 61 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 446 | 322 | 2.9% | 6.75% | #283 |
Frequently asked questions
Susser Bank denied 4.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 74th percentile of small mortgage lenders.
The most common reason Susser Bank gave in 2025 was "debt-to-income ratio", cited on 35.3% 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 Susser Bank originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was 0.35 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 76% of its applications were for home purchases, 24% for refinancing (including cash-out), and 0% for home improvement or other purposes. By loan type: 82% conventional, 14% FHA, 4% 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.