Sturdy 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%
75th4.7% deniedProcesswithdrawn + incomplete share, weight 15%
53rd10.8%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 155 | 127 | 7.1% | 7.8% | — | $47M |
| 2024 | 136 | 108 | 4.4% | 5.0% | — | $42M |
| 2025 | 166 | 138 | 4.2% | 4.7% | — | $77M |
What Sturdy 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, 3 manufactured homes, 29 investment properties.
Who gets approved at Sturdy 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 | 21 | 14 | 0.0% |
| $100k – $150k | 33 | 27 | 6.7% |
| $150k – $250k | 48 | 40 | 4.8% |
| Over $250k | 37 | 33 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 24 | 19 | 4.6% |
| 35–44 | 25 | 19 | 9.5% |
| 45–54 | 36 | 30 | 0.0% |
| 55–64 | 26 | 25 | 0.0% |
| 65–74 | 23 | 16 | 11.1% |
Where Sturdy Savings Bank lends
1 states and 4 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New Jersey | 166 | 138 | 4.2% | — | #213 |
Frequently asked questions
Sturdy Savings Bank denied 4.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 75th percentile of small mortgage lenders.
In 2025, 64% of its applications were for home purchases, 17% for refinancing (including cash-out), and 19% 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.