Jewett City 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 F 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%
5th36.4% deniedProcesswithdrawn + incomplete share, weight 15%
35th15.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 178 | 109 | 19.7% | 24.0% | — | $22M |
| 2024 | 148 | 85 | 25.0% | 28.5% | — | $30M |
| 2025 | 139 | 71 | 30.9% | 36.4% | — | $14M |
What Jewett City 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, 2 manufactured homes, 24 investment properties.
Why Jewett City Savings Bank denies applications
Primary reason reported for each of the 43 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Jewett City 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 | 37 | 17 | 40.6% |
| $100k – $150k | 32 | 15 | 29.2% |
| $150k – $250k | 20 | 17 | 10.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 33 | 13 | 50.0% |
| 45–54 | 23 | 8 | 57.1% |
| 55–64 | 25 | 19 | 13.0% |
Where Jewett City Savings Bank lends
2 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 |
|---|---|---|---|---|---|
| Connecticut | 133 | 69 | 31.6% | — | #146 |
| Rhode Island | 6 | 2 | 16.7% | — | #233 |
Frequently asked questions
Jewett City Savings Bank denied 36.4% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 5th percentile of small mortgage lenders.
The most common reason Jewett City Savings Bank gave in 2025 was "debt-to-income ratio", cited on 51.2% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 39% of its applications were for home purchases, 20% for refinancing (including cash-out), and 41% for home improvement or other purposes. By loan type: 99% conventional, 0% FHA, 1% 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.