Bankesb mortgage approval rate & lending review
Bankesb decided 3,385 mortgage applications and funded 3,012 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Bankesb reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Bankesb at a glance
Approval is 10.4 points above the 80.1% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 1,703 / 1,813 | 99% | $455K | 1,684 |
| Home improvement loans | 89% | 541 / 607 | 96% | $75K | 522 |
| Cash-out refinance | 74% | 95 / 128 | 98% | $285K | 93 |
| Refinance | 86% | 460 / 534 | 98% | $175K | 451 |
| Investment property purchase | 89% | 204 / 228 | 100% | $395K | 203 |
| Investment home improvement | 74% | 28 / 38 | 93% | $175K | 26 |
Bankesb lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 91% | $455K | 3,168 | 2,822 |
| Rhode Island | 90% | $375K | 73 | 64 |
| New Hampshire | 89% | $485K | 53 | 47 |
| Connecticut | 86% | $285K | 43 | 37 |
| Florida | 84% | $355K | 32 | 27 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Bankesb lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Mortgage lenders | 96% | 330 | 318 |
| Worcester County, MA | Mortgage lenders | 93% | 275 | 251 |
| Norfolk County, MA | Mortgage lenders | 95% | 208 | 196 |
| Hampden County, MA | Mortgage lenders | 88% | 209 | 178 |
| Plymouth County, MA | Mortgage lenders | 96% | 158 | 151 |
| Bristol County, MA | Mortgage lenders | 93% | 136 | 126 |
| Suffolk County, MA | Mortgage lenders | 95% | 133 | 126 |
| Worcester County, MA | Home improvement loans | 83% | 152 | 123 |
| Essex County, MA | Mortgage lenders | 98% | 126 | 120 |
| Hampshire County, MA | Home improvement loans | 92% | 119 | 105 |
| Hampshire County, MA | Mortgage lenders | 94% | 106 | 97 |
| Worcester County, MA | Refinance | 84% | 114 | 94 |
The county markets where Bankesb made the most loans. Each link opens that market with every lender ranked.
Questions about Bankesb
What is Bankesb's mortgage approval rate?
Bankesb approved 90.5% of the 3,385 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.4 points above the 80.1% national rate for the same mix of loan types.
How often do borrowers take the loan Bankesb offers?
Borrowers accepted 98% of the loans Bankesb approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Bankesb make?
The typical home purchase mortgage loan Bankesb made was $455K; across all loan types its typical loan ran from $75K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Bankesb lend?
Bankesb decided applications in 7 of the states Fat Boy Data covers, most of them in Massachusetts, Rhode Island and New Hampshire.
Can I apply to Bankesb directly?
Yes. Bankesb is a bank or credit union with 11 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Bankesb's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Bankesb treats applications, then get a rate quote from the lender.