North Easton 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 D 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%
16th22.3% deniedProcesswithdrawn + incomplete share, weight 15%
40th13.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 292 | 194 | 16.4% | 19.1% | 6.63% | $72M |
| 2024 | 276 | 171 | 14.9% | 18.2% | — | $77M |
| 2025 | 224 | 140 | 19.2% | 22.3% | — | $57M |
What North Easton 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 North Easton 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 | 44 | 24 | 29.0% |
| $100k – $150k | 46 | 30 | 23.8% |
| $150k – $250k | 50 | 32 | 20.0% |
| Over $250k | 23 | 16 | 10.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 27 | 18 | 21.7% |
| 35–44 | 32 | 20 | 16.0% |
| 45–54 | 37 | 20 | 30.0% |
| 55–64 | 52 | 30 | 36.2% |
Where North Easton Savings Bank lends
2 states and 8 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 223 | 139 | 19.3% | — | #147 |
Frequently asked questions
North Easton Savings Bank denied 22.3% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 16th percentile of small mortgage lenders.
In 2025, 36% of its applications were for home purchases, 31% for refinancing (including cash-out), and 33% 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.