The Lowell Five Cent Savings Bank mortgage approval rate & lending review
The Lowell Five Cent Savings Bank decided 394 mortgage applications and funded 337 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Lowell Five Cent Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Lowell Five Cent Savings Bank at a glance
Approval is 8.6 points above the 81.2% 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 | 91% | 117 / 129 | 98% | $415K | 115 |
| Home improvement loans | 77% | 33 / 43 | 88% | $65K | 29 |
| Refinance | 83% | 52 / 63 | 96% | $305K | 50 |
| Investment property purchase | 96% | 109 / 114 | 94% | $665K | 103 |
| Investment refinance | 94% | 32 / 34 | 94% | $505K | 30 |
The Lowell Five Cent Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 89% | $415K | 318 | 266 |
| New Hampshire | 94% | $405K | 69 | 64 |
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 Lowell Five Cent Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Investment property purchase | 96% | 55 | 49 |
| Middlesex County, MA | Home improvement loans | 77% | 35 | 24 |
| Essex County, MA | Investment property purchase | 88% | 25 | 21 |
The county markets where The Lowell Five Cent Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about The Lowell Five Cent Savings Bank
What is The Lowell Five Cent Savings Bank's mortgage approval rate?
The Lowell Five Cent Savings Bank approved 89.8% of the 394 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.6 points above the 81.2% national rate for the same mix of loan types.
How often do borrowers take the loan The Lowell Five Cent Savings Bank offers?
Borrowers accepted 95% of the loans The Lowell Five Cent Savings Bank 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 The Lowell Five Cent Savings Bank make?
The typical home purchase mortgage loan The Lowell Five Cent Savings Bank made was $415K; across all loan types its typical loan ran from $65K to $665K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Lowell Five Cent Savings Bank lend?
The Lowell Five Cent Savings Bank decided applications in 4 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Florida.
Can I apply to The Lowell Five Cent Savings Bank directly?
Yes. The Lowell Five Cent Savings Bank 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 The Lowell Five Cent 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 Lowell Five Cent Savings Bank treats applications, then get a rate quote from the lender.