Wood & Huston 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%
81st3.4% deniedProcesswithdrawn + incomplete share, weight 15%
70th7.3%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 251 | 230 | 2.0% | 2.1% | — | $43M |
| 2024 | 268 | 235 | 4.5% | 4.8% | — | $44M |
| 2025 | 286 | 253 | 3.2% | 3.4% | — | $61M |
What Wood & Huston 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, 11 manufactured homes, 125 investment properties.
Who gets approved at Wood & Huston Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 46 | 38 | 2.6% |
| $50k – $100k | 56 | 52 | 1.8% |
| $100k – $150k | 46 | 41 | 2.4% |
| $150k – $250k | 31 | 29 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 41 | 35 | 7.9% |
| 35–44 | 53 | 46 | 6.0% |
| 45–54 | 54 | 47 | 4.0% |
| 55–64 | 30 | 28 | 0.0% |
Where Wood & Huston Bank lends
2 states and 32 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Missouri | 285 | 252 | 3.2% | — | #144 |
Frequently asked questions
Wood & Huston Bank denied 3.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 81st percentile of small mortgage lenders.
In 2025, 60% of its applications were for home purchases, 31% for refinancing (including cash-out), and 8% for home improvement or other purposes. By loan type: 99% conventional, 1% 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.