Grand 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 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
34th7.9% deniedProcesswithdrawn + incomplete share, weight 15%
84th0.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 153 | 126 | 6.5% | 6.9% | — | $26M |
| 2024 | 108 | 93 | 9.3% | 9.3% | — | $23M |
| 2025 | 153 | 136 | 7.8% | 7.9% | — | $44M |
What Grand 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, 13 manufactured homes, 79 investment properties.
Who gets approved at Grand 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 | 32 | 25 | 19.4% |
| $100k – $150k | 20 | 16 | 5.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 55–64 | 21 | 18 | 9.5% |
Where Grand Savings Bank lends
4 states and 12 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Grand Savings Bank denied 7.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 34th percentile of investment-property lenders.
In 2025, 71% of its applications were for home purchases, 21% for refinancing (including cash-out), and 8% 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.