Firstrust 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 C grade breaks down
Each component is a percentile rank among 581 mid-size mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
11th27.8% deniedPricingmedian rate spread over APOR, weight 30%
81st0.00 ptsProcesswithdrawn + incomplete share, weight 15%
80th10.7%Closing coststotal loan costs ÷ loan amount, weight 10%
29th2.85% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 1,252 | 758 | 21.3% | 23.9% | 6.63% | $253M |
| 2024 | 1,135 | 637 | 31.4% | 34.1% | 6.50% | $172M |
| 2025 | 1,233 | 764 | 24.8% | 27.8% | 6.25% | $225M |
What Firstrust 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: 481 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 152 investment properties.
Why Firstrust Savings Bank denies applications
Primary reason reported for each of the 306 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Firstrust Savings Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 136 | 72 | 43.5% |
| $50k – $100k | 334 | 209 | 28.1% |
| $100k – $150k | 197 | 121 | 30.9% |
| $150k – $250k | 213 | 127 | 27.7% |
| Over $250k | 247 | 173 | 16.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 28 | 20 | 12.5% |
| 25–34 | 185 | 133 | 20.2% |
| 35–44 | 262 | 166 | 25.3% |
| 45–54 | 285 | 165 | 34.1% |
| 55–64 | 209 | 126 | 29.1% |
| 65–74 | 154 | 88 | 31.9% |
| Over 74 | 69 | 35 | 37.3% |
Where Firstrust Savings Bank lends
16 states and 76 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Pennsylvania | 967 | 628 | 23.9% | 6.38% | #91 |
| New Jersey | 152 | 78 | 30.3% | 4.99% | #220 |
| Maryland | 67 | 31 | 25.4% | 6.50% | #285 |
| Delaware | 18 | 11 | 27.8% | 6.38% | #191 |
| Florida | 13 | 8 | 23.1% | 6.06% | #860 |
Frequently asked questions
Firstrust Savings Bank denied 27.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 11th percentile of mid-size mortgage lenders.
The most common reason Firstrust Savings Bank gave in 2025 was "debt-to-income ratio", cited on 64.1% 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 Firstrust Savings Bank originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 45% of its applications were for home purchases, 18% for refinancing (including cash-out), and 37% for home improvement or other purposes. By loan type: 92% conventional, 7% 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.