Shelby 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 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%
46th10.5% deniedProcesswithdrawn + incomplete share, weight 15%
23rd18.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 146 | 57 | 20.6% | 25.4% | — | $14M |
| 2024 | 132 | 54 | 22.7% | 26.6% | — | $11M |
| 2025 | 140 | 81 | 8.6% | 10.5% | — | $15M |
What Shelby 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, 31 manufactured homes, 36 investment properties.
Who gets approved at Shelby 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 | 42 | 18 | 24.2% |
| $100k – $150k | 37 | 20 | 0.0% |
| $150k – $250k | 22 | 15 | 5.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 22 | 10 | 25.0% |
| 35–44 | 25 | 14 | 9.1% |
| 45–54 | 24 | 14 | 11.1% |
| 55–64 | 29 | 16 | 9.1% |
Where Shelby Savings Bank lends
1 states and 19 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Texas | 140 | 81 | 8.6% | — | #491 |
Frequently asked questions
Shelby Savings Bank denied 10.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 46th percentile of small mortgage lenders.
In 2025, 48% of its applications were for home purchases, 16% for refinancing (including cash-out), and 36% 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.