The Lowell Five Cent 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 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
34th8.0% deniedProcesswithdrawn + incomplete share, weight 15%
26th11.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 223 | 150 | 11.7% | 14.1% | — | $107M |
| 2024 | 208 | 158 | 4.8% | 5.7% | — | $145M |
| 2025 | 226 | 174 | 7.1% | 8.0% | — | $144M |
What The Lowell Five Cent 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, 0 manufactured homes, 127 investment properties.
Who gets approved at The Lowell Five Cent Savings Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $100k – $150k | 22 | 18 | 5.0% |
| $150k – $250k | 26 | 21 | 4.6% |
| Over $250k | 25 | 17 | 18.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 21 | 15 | 5.6% |
| 35–44 | 28 | 16 | 20.0% |
| 45–54 | 25 | 16 | 26.1% |
| 55–64 | 22 | 17 | 9.5% |
Where The Lowell Five Cent Savings Bank lends
4 states and 16 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 185 | 139 | 7.6% | — | #168 |
| New Hampshire | 38 | 32 | 5.3% | — | #146 |
Frequently asked questions
The Lowell Five Cent Savings Bank denied 8.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 34th percentile of investment-property lenders.
In 2025, 58% of its applications were for home purchases, 30% 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.