LEI 54930048J00QUF04FP72 · SOUTH EASTON, MA
North Easton Savings Bank
Denial sits in the upper fleet tercile at 14.9% across 276 HMDA applications, a stricter underwriting book than most reporters.
Denial tercile vs fleet
North Easton Savings Bank posts a 14.9% denial rate, above the fleet's upper tercile (~13.79%) - across 276 applications with 171 originations. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 62.0%
- Origination share
- 171
- Originated
- 14.9%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
276 reported applications
Where North Easton Savings Bank sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
171 Top 45% higher than 55% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · North Easton Savings Bank
Application volume by HMDA loan type in this lender's 2024 book.
Mid-volume reporter. North Easton Savings Bank's 62.0% origination rate and 14.9% denial rate sit on a mid-tercile originated book (171 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Program weight concentrates in Conventional (276 applications).
How to read North Easton Savings Bank. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · North Easton Savings Bank
North Easton Savings Bank filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 276 | 171 | 41 | $450,217 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for North Easton Savings Bank (LEI: 54930048J00QUF04FP72) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Purchase | 122 | 73 | $761,639 |
| Home Improvement | 49 | 40 | $167,041 |
| Other | 45 | 22 | $87,000 |
| Cash-out Refinancing | 43 | 24 | $236,860 |
| Refinancing | 17 | 12 | $532,647 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 192 | 59.4% | 16.7% |
| Black or African American * | 12 | 58.3% | 16.7% |
| Joint * | 8 | 62.5% | 0.0% |
| Asian * | 5 | 40.0% | 60.0% |
| American Indian or Alaska Native * | 1 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 199 | 59.8% | 16.1% |
| Hispanic or Latino * | 7 | 42.9% | 42.9% |
| Joint * | 3 | 33.3% | 33.3% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in MA
Other HMDA-reporting lenders in MA with similar activity. Compare any two side-by-side.
One of 165 other HMDA-reporting lenders in MA, 5 are shown here.
Digital Federal Credit Union
Marlborough, MA
Leader Bank NA
Arlington, MA
Rockland Trust Bank
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Eastern Bank
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Cape Cod Five Cents Savings Bank
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Read with North Easton Savings Bank
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For North Easton Savings Bank (LEI 54930048J00QUF04FP72), from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024). See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.