Lender profile · HMDA 2023–2025
Bay State Savings Bank mortgage approval rates & lending data
Bay State Savings Bank decided 281 mortgage applications and funded 211 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 81% | 118 / 146 | 99% | $315K | 117 |
| Home improvement loans | 90% | 38 / 42 | 92% | $75K | 35 |
| Cash-out refinance | 63% | 19 / 30 | 100% | $135K | 19 |
| Investment property purchase | 62% | 16 / 26 | 94% | $465K | 15 |
Bay State Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 77% | $315K | 274 | 207 |
| Maine | 60% | $245K | 5 | 3 |
| Connecticut | 0% | — | 1 | 0 |
| New Hampshire | 100% | $325K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.