West Point 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%
54th8.9% deniedProcesswithdrawn + incomplete share, weight 15%
85th2.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 354 | 278 | 7.9% | 8.2% | — | $54M |
| 2024 | 333 | 270 | 8.7% | 9.1% | — | $50M |
| 2025 | 313 | 264 | 8.6% | 8.9% | — | $48M |
What West Point 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, 47 manufactured homes, 155 investment properties.
Who gets approved at West Point Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 51 | 33 | 26.5% |
| $50k – $100k | 62 | 46 | 12.1% |
| $100k – $150k | 38 | 33 | 8.3% |
| $150k – $250k | 37 | 31 | 8.3% |
| Over $250k | 27 | 25 | 3.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 33 | 26 | 10.0% |
| 35–44 | 61 | 50 | 8.8% |
| 45–54 | 45 | 32 | 15.9% |
| 55–64 | 31 | 25 | 16.1% |
| 65–74 | 25 | 20 | 16.0% |
Where West Point Bank lends
4 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Kentucky | 310 | 262 | 8.4% | — | #107 |
Frequently asked questions
West Point Bank denied 8.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 54th percentile of small mortgage lenders.
In 2025, 64% of its applications were for home purchases, 21% for refinancing (including cash-out), and 15% for home improvement or other purposes. By loan type: 98% conventional, 0% 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.