Country Bank for Savings
Country Bank for Savings received 731 applications in 2025 and made 533 mortgages, in 18 counties across 4 states. The median rate its borrowers got was 7.250% on a median loan of $175,000. Of 645 decisions, 87 were denials — 13.5%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 5493005NN76XZ2NOFH19 |
|---|---|
| Applications received | 731 |
| Mortgages made | 533 |
| Denied | 87 |
| Approved, not taken up | 25 |
| Withdrawn or incomplete | 86 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.18 points |
| FDIC-insured bank | Yes: Country Bank for Savings, 16 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 178 | 6.500% | $345,000 | 6.1% |
| Refinancing | 104 | 7.500% | $125,000 | 12.5% |
| Cash-out refinancing | 48 | 6.500% | $310,000 | 12.5% |
| Other purposes | 203 | 7.500% | $85,000 | 19.8% |
Where Country Bank for Savings lends most
The 18 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Worcester County, MA | 216 | 7.250% | 15.4% |
| Hampden County, MA | 165 | 7.000% | 14.6% |
| Hampshire County, MA | 106 | 7.500% | 9.0% |
| Middlesex County, MA | 7 | Under 10 loans | 22.2% |
| Providence County, RI | 6 | Under 10 loans | 0.0% |
| Franklin County, MA | 5 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 4 | Under 10 loans | 0.0% |
| Barnstable County, MA | 4 | Under 10 loans | 0.0% |
| Berkshire County, MA | 4 | Under 10 loans | 0.0% |
| Bristol County, MA | 3 | Under 10 loans | 0.0% |
| Essex County, MA | 3 | Under 10 loans | 0.0% |
| Plymouth County, MA | 3 | Under 10 loans | 0.0% |
| South Central Connecticut Planning Region, CT | 2 | Under 10 loans | 0.0% |
| Suffolk County, MA | 2 | Under 10 loans | 50.0% |
| Northeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Bristol County, RI | 1 | Under 10 loans | 0.0% |
| Christian County, IL | 0 | Under 10 loans | 100.0% |
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When Country Bank for Savings’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.