Verimore 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%
49th9.9% deniedProcesswithdrawn + incomplete share, weight 15%
90th1.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 128 | 113 | 3.9% | 3.9% | — | $19M |
| 2024 | 108 | 84 | 9.3% | 9.8% | — | $18M |
| 2025 | 113 | 91 | 9.7% | 9.9% | — | $23M |
What Verimore 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, 12 manufactured homes, 50 investment properties.
Who gets approved at Verimore Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 35 | 24 | 23.5% |
Where Verimore Bank lends
2 states and 24 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Verimore Bank denied 9.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 49th percentile of small mortgage lenders.
In 2025, 62% of its applications were for home purchases, 27% for refinancing (including cash-out), and 11% 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.