Country Bank for Savings mortgage approval rate & lending review
Country Bank for Savings decided 1,536 mortgage applications and funded 1,263 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Country Bank for Savings reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Country Bank for Savings at a glance
Approval is 10.5 points above the 75.4% 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 | 92% | 481 / 524 | 96% | $325K | 461 |
| Home improvement loans | 82% | 429 / 526 | 96% | $75K | 412 |
| Cash-out refinance | 88% | 66 / 75 | 95% | $215K | 63 |
| Refinance | 83% | 250 / 300 | 95% | $115K | 238 |
| Investment property purchase | 97% | 58 / 60 | 97% | $415K | 56 |
| Investment cash-out refinance | 74% | 23 / 31 | 87% | $385K | 20 |
Country Bank for Savings lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 86% | $115K | 1,525 | 1,254 |
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 Country Bank for Savings lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Worcester County, MA | Mortgage lenders | 89% | 227 | 195 |
| Worcester County, MA | Home improvement loans | 79% | 223 | 169 |
| Hampden County, MA | Home improvement loans | 85% | 196 | 160 |
| Hampden County, MA | Mortgage lenders | 94% | 179 | 159 |
| Worcester County, MA | Refinance | 80% | 119 | 90 |
| Hampden County, MA | Refinance | 85% | 103 | 83 |
| Hampshire County, MA | Home improvement loans | 81% | 99 | 77 |
| Hampshire County, MA | Mortgage lenders | 94% | 82 | 76 |
| Hampshire County, MA | Refinance | 88% | 73 | 62 |
| Worcester County, MA | Investment property purchase | 97% | 33 | 30 |
| Worcester County, MA | Cash-out refinance | 89% | 27 | 22 |
| Hampden County, MA | Cash-out refinance | 81% | 26 | 21 |
The county markets where Country Bank for Savings made the most loans. Each link opens that market with every lender ranked.
Questions about Country Bank for Savings
What is Country Bank for Savings's mortgage approval rate?
Country Bank for Savings approved 85.9% of the 1,536 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.5 points above the 75.4% national rate for the same mix of loan types.
How often do borrowers take the loan Country Bank for Savings offers?
Borrowers accepted 96% of the loans Country Bank for Savings approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Country Bank for Savings make?
The typical home improvement loan loan Country Bank for Savings made was $75K; across all loan types its typical loan ran from $75K to $415K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Country Bank for Savings lend?
Country Bank for Savings decided applications in 4 of the states Fat Boy Data covers, most of them in Massachusetts, Connecticut and Rhode Island.
Can I apply to Country Bank for Savings directly?
Yes. Country Bank for Savings is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Country Bank for Savings'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 Country Bank for Savings treats applications, then get a rate quote from the lender.