Community 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 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%
28th16.2% deniedProcesswithdrawn + incomplete share, weight 15%
76th5.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 274 | 221 | 13.1% | 13.5% | — | $34M |
| 2024 | 227 | 160 | 17.6% | 18.5% | — | $22M |
| 2025 | 248 | 180 | 15.3% | 16.2% | — | $31M |
What Community 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, 29 investment properties.
Who gets approved at Community Savings Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 22 | 37.5% |
| $50k – $100k | 82 | 59 | 15.4% |
| $100k – $150k | 51 | 40 | 12.5% |
| $150k – $250k | 37 | 27 | 3.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 21 | 15 | 9.5% |
| 25–34 | 62 | 44 | 20.7% |
| 35–44 | 45 | 34 | 9.5% |
| 45–54 | 45 | 38 | 9.3% |
| 55–64 | 34 | 20 | 25.8% |
Where Community Savings Bank lends
4 states and 28 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Iowa | 242 | 176 | 14.9% | — | #86 |
Frequently asked questions
Community Savings Bank denied 16.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 28th percentile of small mortgage lenders.
In 2025, 50% of its applications were for home purchases, 24% for refinancing (including cash-out), and 26% for home improvement or other purposes. By loan type: 97% 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.