Altoona First Savings 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%
68th5.9% deniedProcesswithdrawn + incomplete share, weight 15%
78th5.0%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 183 | 139 | 9.8% | 11.0% | — | $15M |
| 2024 | 130 | 111 | 6.2% | 6.7% | — | $12M |
| 2025 | 180 | 161 | 5.6% | 5.9% | — | $40M |
What Altoona First Savings 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, 3 manufactured homes, 67 investment properties.
Why Altoona First Savings Bank denies applications
Primary reason reported for each of the 10 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Altoona First Savings Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 54 | 49 | 3.9% |
| $100k – $150k | 28 | 24 | 7.7% |
| $150k – $250k | 27 | 25 | 7.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 32 | 31 | 0.0% |
| 35–44 | 21 | 18 | 5.3% |
| 45–54 | 34 | 29 | 12.1% |
| 55–64 | 24 | 22 | 4.4% |
Where Altoona First Savings Bank lends
1 states and 3 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 180 | 161 | 5.6% | — | #293 |
Frequently asked questions
Altoona First Savings Bank denied 5.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 68th percentile of small mortgage lenders.
The most common reason Altoona First Savings Bank gave in 2025 was "credit history", cited on 60.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 53% of its applications were for home purchases, 24% for refinancing (including cash-out), and 22% 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.