Country Bank for Savings 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 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
84th13.5% deniedPricingmedian rate spread over APOR, weight 30%
48th0.18 ptsProcesswithdrawn + incomplete share, weight 15%
55th11.8%Closing coststotal loan costs ÷ loan amount, weight 10%
59th2.80% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 679 | 484 | 13.7% | 15.5% | 7.75% | $141M |
| 2024 | 713 | 497 | 15.2% | 17.3% | 8.00% | $116M |
| 2025 | 731 | 533 | 11.9% | 13.5% | 7.25% | $168M |
What Country Bank for Savings 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: 467 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 74 investment properties.
Why Country Bank for Savings denies applications
Primary reason reported for each of the 87 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Country Bank for Savings
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 74 | 33 | 33.3% |
| $50k – $100k | 240 | 178 | 16.0% |
| $100k – $150k | 175 | 130 | 9.4% |
| $150k – $250k | 148 | 118 | 9.5% |
| Over $250k | 42 | 31 | 5.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 116 | 81 | 13.3% |
| 35–44 | 133 | 99 | 18.0% |
| 45–54 | 145 | 106 | 15.6% |
| 55–64 | 139 | 94 | 14.2% |
| 65–74 | 97 | 80 | 7.7% |
| Over 74 | 43 | 26 | 11.8% |
Where Country Bank for Savings lends
4 states and 18 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 714 | 519 | 12.0% | 7.25% | #66 |
| Connecticut | 8 | 7 | 0.0% | 6.50% | #385 |
| Rhode Island | 8 | 7 | 0.0% | 6.50% | #201 |
Frequently asked questions
Country Bank for Savings denied 13.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 84th percentile of home-equity (HELOC) lenders.
The most common reason Country Bank for Savings gave in 2025 was "debt-to-income ratio", cited on 57.5% 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 Country Bank for Savings originated in 2025 was 7.25%, 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, 31% of its applications were for home purchases, 28% for refinancing (including cash-out), and 41% 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.