Municipal Trust and 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%
72nd5.1% deniedProcesswithdrawn + incomplete share, weight 15%
58th9.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 203 | 167 | 2.5% | 2.8% | — | $28M |
| 2024 | 210 | 176 | 6.2% | 6.8% | — | $44M |
| 2025 | 195 | 165 | 4.6% | 5.1% | — | $40M |
What Municipal Trust and 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, 65 investment properties.
Who gets approved at Municipal Trust and 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 | 25 | 21 | 8.7% |
| $50k – $100k | 55 | 39 | 13.0% |
| $100k – $150k | 33 | 26 | 3.6% |
| $150k – $250k | 26 | 24 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 24 | 18 | 14.3% |
| 35–44 | 35 | 32 | 3.0% |
| 45–54 | 34 | 31 | 0.0% |
| 55–64 | 34 | 25 | 6.9% |
| 65–74 | 28 | 25 | 3.9% |
Where Municipal Trust and Savings Bank lends
6 states and 17 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Municipal Trust and Savings Bank denied 5.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 72nd percentile of small mortgage lenders.
In 2025, 63% of its applications were for home purchases, 25% for refinancing (including cash-out), and 12% 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.