The Bennington State 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%
75th4.6% deniedProcesswithdrawn + incomplete share, weight 15%
58th9.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 311 | 237 | 6.1% | 6.9% | — | $55M |
| 2024 | 341 | 272 | 5.0% | 5.6% | — | $51M |
| 2025 | 342 | 288 | 4.1% | 4.6% | — | $65M |
What The Bennington State 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, 10 manufactured homes, 109 investment properties.
Who gets approved at The Bennington State Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 31 | 16.2% |
| $50k – $100k | 92 | 83 | 5.7% |
| $100k – $150k | 57 | 48 | 2.0% |
| $150k – $250k | 42 | 35 | 2.6% |
| Over $250k | 22 | 19 | 4.8% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 20 | 18 | 5.3% |
| 25–34 | 63 | 51 | 10.5% |
| 35–44 | 55 | 44 | 6.3% |
| 45–54 | 52 | 46 | 2.0% |
| 55–64 | 39 | 27 | 6.5% |
| 65–74 | 28 | 26 | 3.7% |
Where The Bennington State Bank lends
6 states and 48 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kansas | 335 | 281 | 4.2% | — | #76 |
Frequently asked questions
The Bennington State Bank denied 4.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 75th percentile of small mortgage lenders.
In 2025, 61% of its applications were for home purchases, 27% for refinancing (including cash-out), and 11% for home improvement or other purposes. By loan type: 99% 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.