East Cambridge 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%
69th5.8% deniedProcesswithdrawn + incomplete share, weight 15%
65th8.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 195 | 158 | 5.1% | 5.9% | — | $109M |
| 2024 | 145 | 120 | 2.8% | 3.2% | — | $103M |
| 2025 | 209 | 178 | 5.3% | 5.8% | — | $149M |
What East Cambridge 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, 1 manufactured homes, 47 investment properties.
Who gets approved at East Cambridge 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 | 33 | 27 | 6.9% |
| $100k – $150k | 39 | 31 | 3.0% |
| $150k – $250k | 50 | 45 | 4.2% |
| Over $250k | 45 | 38 | 5.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 40 | 36 | 5.3% |
| 35–44 | 49 | 44 | 2.2% |
| 45–54 | 32 | 28 | 0.0% |
| 55–64 | 25 | 16 | 15.8% |
Where East Cambridge Savings Bank lends
5 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 198 | 168 | 5.6% | — | #165 |
| New Hampshire | 6 | 6 | 0.0% | — | #304 |
Frequently asked questions
East Cambridge Savings Bank denied 5.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 69th percentile of small mortgage lenders.
In 2025, 73% of its applications were for home purchases, 13% for refinancing (including cash-out), and 13% 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.