Traditions 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%
95th0.8% deniedProcesswithdrawn + incomplete share, weight 15%
92nd1.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 249 | 242 | 1.2% | 1.2% | — | $42M |
| 2024 | 174 | 166 | 2.3% | 2.3% | — | $30M |
| 2025 | 245 | 238 | 0.8% | 0.8% | — | $53M |
What Traditions 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, 67 manufactured homes, 89 investment properties.
Who gets approved at Traditions 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 | 27 | 3.6% |
| $50k – $100k | 75 | 72 | 1.4% |
| $100k – $150k | 42 | 41 | 0.0% |
| $150k – $250k | 39 | 37 | 0.0% |
| Over $250k | 27 | 27 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 22 | 19 | 4.8% |
| 25–34 | 37 | 36 | 0.0% |
| 35–44 | 51 | 50 | 2.0% |
| 45–54 | 50 | 49 | 0.0% |
| 55–64 | 37 | 36 | 0.0% |
Where Traditions Bank lends
1 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Alabama | 245 | 238 | 0.8% | — | #138 |
Frequently asked questions
Traditions Bank denied 0.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 95th percentile of small mortgage lenders.
In 2025, 51% of its applications were for home purchases, 41% for refinancing (including cash-out), and 8% 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.