Bristol County 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 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%
52nd9.3% deniedPricingmedian rate spread over APOR, weight 30%
61st0.18 ptsProcesswithdrawn + incomplete share, weight 15%
47th12.1%Closing coststotal loan costs ÷ loan amount, weight 10%
84th1.04% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 453 | 335 | 10.8% | 12.6% | 6.25% | $190M |
| 2024 | 453 | 342 | 13.3% | 14.8% | 6.63% | $188M |
| 2025 | 634 | 493 | 8.2% | 9.3% | 6.13% | $267M |
What Bristol County 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, 0 manufactured homes, 58 investment properties.
Why Bristol County Savings Bank denies applications
Primary reason reported for each of the 52 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Bristol County 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 | 147 | 107 | 15.1% |
| $100k – $150k | 167 | 129 | 10.9% |
| $150k – $250k | 177 | 136 | 6.5% |
| Over $250k | 79 | 68 | 1.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 27 | 22 | 0.0% |
| 25–34 | 169 | 134 | 6.7% |
| 35–44 | 157 | 121 | 8.2% |
| 45–54 | 99 | 72 | 13.3% |
| 55–64 | 81 | 62 | 13.5% |
| 65–74 | 37 | 28 | 15.2% |
Where Bristol County Savings Bank lends
2 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 525 | 409 | 7.8% | 6.13% | #83 |
| Rhode Island | 109 | 84 | 10.1% | 6.50% | #67 |
Frequently asked questions
Bristol County Savings Bank denied 9.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 52nd percentile of small mortgage lenders.
The most common reason Bristol County Savings Bank gave in 2025 was "debt-to-income ratio", cited on 48.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Bristol County Savings Bank originated in 2025 was 6.13%, and its median rate spread over the average prime offer rate was 0.18 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 62% of its applications were for home purchases, 23% for refinancing (including cash-out), and 15% 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.