The 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 A 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%
81st3.5% deniedProcesswithdrawn + incomplete share, weight 15%
47th12.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 206 | 168 | 9.7% | 10.4% | — | $47M |
| 2024 | 101 | 84 | 6.9% | 7.6% | — | $19M |
| 2025 | 165 | 138 | 3.0% | 3.5% | — | $41M |
What The 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, 6 manufactured homes, 73 investment properties.
Who gets approved at The 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 | 36 | 2.7% |
| $150k – $250k | 21 | 16 | 5.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 28 | 25 | 0.0% |
| 35–44 | 29 | 23 | 8.0% |
Where The Savings Bank lends
1 states and 15 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Ohio | 165 | 138 | 3.0% | — | #263 |
Frequently asked questions
The Savings Bank denied 3.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 81st percentile of small mortgage lenders.
In 2025, 61% of its applications were for home purchases, 37% for refinancing (including cash-out), and 2% 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.