Walden 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%
60th7.5% deniedProcesswithdrawn + incomplete share, weight 15%
29th16.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 385 | 267 | 4.4% | 5.9% | 6.38% | $79M |
| 2024 | 250 | 175 | 3.6% | 4.8% | — | $57M |
| 2025 | 223 | 169 | 6.3% | 7.5% | — | $66M |
What Walden 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, 5 manufactured homes, 12 investment properties.
Why Walden Savings Bank denies applications
Primary reason reported for each of the 14 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Walden 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 | 43 | 32 | 11.1% |
| $100k – $150k | 55 | 46 | 4.2% |
| $150k – $250k | 63 | 48 | 5.8% |
| Over $250k | 40 | 31 | 2.9% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 64 | 59 | 1.6% |
| 35–44 | 52 | 37 | 2.6% |
| 45–54 | 32 | 24 | 16.7% |
| 55–64 | 32 | 24 | 7.7% |
| 65–74 | 24 | 14 | 26.3% |
Where Walden Savings Bank lends
3 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| New York | 221 | 167 | 6.3% | — | #197 |
Frequently asked questions
Walden Savings Bank denied 7.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 60th percentile of small mortgage lenders.
The most common reason Walden Savings Bank gave in 2025 was "debt-to-income ratio", cited on 78.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 65% of its applications were for home purchases, 16% 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.