Woori America Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C 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%
37th13.0% deniedProcesswithdrawn + incomplete share, weight 15%
53rd10.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 190 | 145 | 10.0% | 11.1% | — | $91M |
| 2024 | 428 | 295 | 13.3% | 14.6% | — | $167M |
| 2025 | 553 | 401 | 11.6% | 13.0% | — | $237M |
What Woori America 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, 0 manufactured homes, 79 investment properties.
Who gets approved at Woori America Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 59 | 46 | 11.3% |
| $100k – $150k | 166 | 117 | 16.2% |
| $150k – $250k | 165 | 123 | 11.0% |
| Over $250k | 155 | 107 | 13.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 93 | 65 | 17.1% |
| 35–44 | 154 | 118 | 11.5% |
| 45–54 | 175 | 136 | 11.7% |
| 55–64 | 88 | 56 | 12.2% |
| 65–74 | 27 | 16 | 18.2% |
Where Woori America Bank lends
10 states and 59 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 175 | 126 | 14.9% | — | #220 |
| New Jersey | 113 | 79 | 13.3% | — | #254 |
| California | 109 | 74 | 11.9% | — | #427 |
| Pennsylvania | 65 | 50 | 7.7% | — | #447 |
| Maryland | 32 | 26 | 3.1% | — | #362 |
| Georgia | 22 | 17 | 4.6% | — | #554 |
| Virginia | 19 | 17 | 5.3% | — | #495 |
| Texas | 12 | 10 | 0.0% | — | #941 |
| Illinois | 5 | 2 | 40.0% | — | #759 |
Frequently asked questions
Woori America Bank denied 13.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 37th percentile of small mortgage lenders.
In 2025, 78% of its applications were for home purchases, 19% for refinancing (including cash-out), and 3% 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.