El Dorado Savings Bank, F.S.B. mortgage approval rate & lending review
El Dorado Savings Bank, F.S.B. decided 351 mortgage applications and funded 257 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions El Dorado Savings Bank, F.S.B. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
El Dorado Savings Bank, F.S.B. at a glance
Approval is 4.7 points above the 75.3% 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 | 78% | 80 / 102 | 81% | $455K | 65 |
| Home improvement loans | 77% | 82 / 106 | 95% | $105K | 78 |
| Refinance | 83% | 102 / 123 | 96% | $245K | 98 |
El Dorado Savings Bank, F.S.B. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 80% | $205K | 338 | 247 |
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 El Dorado Savings Bank, F.S.B. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| El Dorado County, CA | Refinance | 82% | 55 | 43 |
| El Dorado County, CA | Home improvement loans | 70% | 56 | 38 |
| Sacramento County, CA | Refinance | 84% | 45 | 37 |
| Sacramento County, CA | Home improvement loans | 88% | 33 | 27 |
| El Dorado County, CA | Mortgage lenders | 74% | 35 | 23 |
The county markets where El Dorado Savings Bank, F.S.B. made the most loans. Each link opens that market with every lender ranked.
Questions about El Dorado Savings Bank, F.S.B.
What is El Dorado Savings Bank, F.S.B.'s mortgage approval rate?
El Dorado Savings Bank, F.S.B. approved 80.1% of the 351 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 4.7 points above the 75.3% national rate for the same mix of loan types.
How often do borrowers take the loan El Dorado Savings Bank, F.S.B. offers?
Borrowers accepted 91% of the loans El Dorado Savings Bank, F.S.B. approved, against 93% for all mortgage refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does El Dorado Savings Bank, F.S.B. make?
The typical mortgage refinance loan El Dorado Savings Bank, F.S.B. made was $245K; across all loan types its typical loan ran from $105K to $455K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does El Dorado Savings Bank, F.S.B. lend?
El Dorado Savings Bank, F.S.B. decided applications in 2 of the states Fat Boy Data covers, most of them in California and Nevada.
Can I apply to El Dorado Savings Bank, F.S.B. directly?
Yes. El Dorado Savings Bank, F.S.B. is a bank or credit union with 35 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show El Dorado Savings Bank, F.S.B.'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 El Dorado Savings Bank, F.S.B. treats applications, then get a rate quote from the lender.