Monson 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 B 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%
68th5.9% deniedProcesswithdrawn + incomplete share, weight 15%
38th14.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 190 | 152 | 5.3% | 5.9% | — | $46M |
| 2024 | 188 | 143 | 6.4% | 7.4% | — | $62M |
| 2025 | 275 | 216 | 5.1% | 5.9% | — | $83M |
What Monson 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, 1 manufactured homes, 57 investment properties.
Who gets approved at Monson 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 | 22 | 14 | 25.0% |
| $50k – $100k | 63 | 48 | 3.9% |
| $100k – $150k | 51 | 36 | 9.5% |
| $150k – $250k | 66 | 55 | 1.8% |
| Over $250k | 42 | 33 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 51 | 46 | 2.1% |
| 35–44 | 50 | 37 | 7.0% |
| 45–54 | 38 | 25 | 13.3% |
| 55–64 | 62 | 45 | 8.0% |
| 65–74 | 30 | 24 | 0.0% |
Where Monson Savings Bank lends
9 states and 27 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 234 | 185 | 5.6% | — | #141 |
| Connecticut | 21 | 17 | 4.8% | — | #295 |
| Vermont | 7 | 4 | 0.0% | — | #127 |
Frequently asked questions
Monson Savings Bank denied 5.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 68th percentile of small mortgage lenders.
In 2025, 70% of its applications were for home purchases, 19% for refinancing (including cash-out), and 11% 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.