Tbk Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
15th23.3% deniedProcesswithdrawn + incomplete share, weight 15%
19th20.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 121 | 63 | 28.9% | 34.3% | — | $31M |
| 2024 | 136 | 80 | 25.7% | 30.4% | — | $32M |
| 2025 | 183 | 106 | 18.6% | 23.3% | — | $42M |
What Tbk 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, 6 manufactured homes, 21 investment properties.
Who gets approved at Tbk Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 22 | 8 | 52.6% |
| $50k – $100k | 64 | 41 | 22.2% |
| $100k – $150k | 26 | 19 | 9.5% |
| $150k – $250k | 25 | 12 | 20.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 50 | 33 | 12.8% |
| 35–44 | 30 | 18 | 21.7% |
| 45–54 | 40 | 19 | 32.3% |
Where Tbk Bank lends
9 states and 41 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Tbk Bank denied 23.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
In 2025, 74% of its applications were for home purchases, 20% for refinancing (including cash-out), and 5% for home improvement or other purposes. By loan type: 98% conventional, 1% FHA, 1% 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.