First Central 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%
93rd1.1% deniedProcesswithdrawn + incomplete share, weight 15%
65th8.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 380 | 315 | 2.1% | 2.5% | 7.38% | $215M |
| 2024 | 478 | 429 | 0.6% | 0.7% | 7.25% | $265M |
| 2025 | 578 | 519 | 1.0% | 1.1% | — | $335M |
What First Central 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, 0 manufactured homes, 265 investment properties.
Who gets approved at First Central 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 | 70 | 63 | 0.0% |
| $100k – $150k | 120 | 109 | 1.8% |
| $150k – $250k | 116 | 112 | 0.0% |
| Over $250k | 80 | 64 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 78 | 70 | 0.0% |
| 35–44 | 166 | 143 | 1.4% |
| 45–54 | 117 | 100 | 1.9% |
| 55–64 | 36 | 32 | 0.0% |
Where First Central Savings Bank lends
21 states and 61 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 496 | 448 | 0.8% | — | #135 |
| Florida | 25 | 21 | 0.0% | — | #723 |
| New Jersey | 22 | 19 | 0.0% | — | #438 |
| Connecticut | 6 | 4 | 33.3% | — | #416 |
| Texas | 5 | 5 | 0.0% | — | #1,077 |
Frequently asked questions
First Central Savings Bank denied 1.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 93rd percentile of small mortgage lenders.
In 2025, 85% of its applications were for home purchases, 14% for refinancing (including cash-out), and 1% 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.