The Riddell National 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%
78th4.0% deniedPricingmedian rate spread over APOR, weight 30%
52nd0.25 ptsProcesswithdrawn + incomplete share, weight 15%
87th2.5%Closing coststotal loan costs ÷ loan amount, weight 10%
34th2.33% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 342 | 323 | 2.3% | 2.4% | 7.00% | $42M |
| 2024 | 269 | 253 | 3.4% | 3.4% | 7.88% | $33M |
| 2025 | 284 | 266 | 3.9% | 4.0% | 7.50% | $42M |
What The Riddell National 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, 7 manufactured homes, 38 investment properties.
Why The Riddell National Bank denies applications
Primary reason reported for each of the 11 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at The Riddell National Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 27 | 22 | 8.3% |
| $50k – $100k | 87 | 78 | 7.1% |
| $100k – $150k | 68 | 66 | 1.5% |
| $150k – $250k | 57 | 56 | 1.8% |
| Over $250k | 25 | 25 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 22 | 21 | 0.0% |
| 25–34 | 61 | 60 | 0.0% |
| 35–44 | 63 | 57 | 6.6% |
| 45–54 | 56 | 52 | 7.1% |
| 55–64 | 33 | 30 | 3.2% |
| 65–74 | 24 | 23 | 4.2% |
Where The Riddell National Bank lends
2 states and 13 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Indiana | 280 | 262 | 3.9% | 7.50% | #164 |
Frequently asked questions
The Riddell National Bank denied 4.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 78th percentile of small mortgage lenders.
The most common reason The Riddell National Bank gave in 2025 was "credit history", cited on 63.6% 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 The Riddell National Bank originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.25 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 57% of its applications were for home purchases, 20% for refinancing (including cash-out), and 23% 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.