Elizabethton Federal 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%
95th0.7% deniedProcesswithdrawn + incomplete share, weight 15%
89th2.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 94 | 84 | 5.3% | 5.6% | — | $20M |
| 2024 | 116 | 107 | 1.7% | 1.8% | — | $30M |
| 2025 | 139 | 130 | 0.7% | 0.7% | — | $40M |
What Elizabethton Federal 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, 6 manufactured homes, 33 investment properties.
Why Elizabethton Federal Savings Bank denies applications
Primary reason reported for each of the 1 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Elizabethton Federal 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 | 43 | 40 | 0.0% |
| $100k – $150k | 36 | 35 | 0.0% |
| $150k – $250k | 29 | 29 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 33 | 32 | 0.0% |
| 35–44 | 29 | 27 | 0.0% |
| 45–54 | 23 | 22 | 4.4% |
| 55–64 | 23 | 21 | 0.0% |
Where Elizabethton Federal Savings Bank lends
1 states and 7 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Tennessee | 139 | 130 | 0.7% | — | #270 |
Frequently asked questions
Elizabethton Federal Savings Bank denied 0.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 95th percentile of small mortgage lenders.
The most common reason Elizabethton Federal Savings Bank gave in 2025 was "debt-to-income ratio", cited on 100.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 57% of its applications were for home purchases, 13% for refinancing (including cash-out), and 30% 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.