Equitable Savings and Loan Association at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D 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%
18th20.9% deniedProcesswithdrawn + incomplete share, weight 15%
42nd13.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 163 | 111 | 19.6% | 22.4% | — | $15M |
| 2024 | 145 | 114 | 10.3% | 11.5% | — | $16M |
| 2025 | 127 | 87 | 18.1% | 20.9% | — | $18M |
What Equitable Savings and Loan Association 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, 5 manufactured homes, 6 investment properties.
Who gets approved at Equitable Savings and Loan Association
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 12 | 50.0% |
| $50k – $100k | 44 | 30 | 16.7% |
| $100k – $150k | 28 | 24 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 23 | 16 | 15.8% |
| 35–44 | 30 | 22 | 15.4% |
| 55–64 | 25 | 20 | 20.0% |
Where Equitable Savings and Loan Association lends
3 states and 21 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Equitable Savings and Loan Association denied 20.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 18th percentile of small mortgage lenders.
In 2025, 46% of its applications were for home purchases, 30% for refinancing (including cash-out), and 24% for home improvement or other purposes. By loan type: 87% conventional, 3% 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.