The Guilford Savings Bank mortgage approval rate & lending review
The Guilford Savings Bank decided 351 mortgage applications and funded 295 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Guilford Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Guilford Savings Bank at a glance
Approval is 18.5 points above the 71.5% 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% | 49 / 53 | 96% | $355K | 47 |
| Home improvement loans | 90% | 107 / 119 | 93% | $145K | 100 |
| Cash-out refinance | 88% | 92 / 105 | 93% | $165K | 86 |
| Refinance | 90% | 47 / 52 | 89% | $235K | 42 |
The Guilford Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Connecticut | 89% | $165K | 332 | 276 |
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 The Guilford Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| South Central Connecticut Planning Region, CT | Home improvement loans | 92% | 88 | 77 |
| South Central Connecticut Planning Region, CT | Cash-out refinance | 87% | 76 | 62 |
| South Central Connecticut Planning Region, CT | Refinance | 86% | 37 | 27 |
| Lower Connecticut River Valley Planning Region, CT | Cash-out refinance | 91% | 23 | 20 |
The county markets where The Guilford Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Guilford Savings Bank
What is The Guilford Savings Bank's mortgage approval rate?
The Guilford Savings Bank approved 90.0% of the 351 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 18.5 points above the 71.5% national rate for the same mix of loan types.
How often do borrowers take the loan The Guilford Savings Bank offers?
Borrowers accepted 93% of the loans The Guilford Savings Bank 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 The Guilford Savings Bank make?
The typical home improvement loan loan The Guilford Savings Bank made was $145K; across all loan types its typical loan ran from $145K to $355K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Guilford Savings Bank lend?
The Guilford Savings Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Connecticut, Massachusetts and Rhode Island.
Can I apply to The Guilford Savings Bank directly?
Yes. The Guilford Savings Bank reports as a direct lender that takes applications from borrowers.
Does this page show The Guilford Savings Bank'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 The Guilford Savings Bank treats applications, then get a rate quote from the lender.