Spencer Savings Bank, SLA
Spencer Savings Bank, SLA received 330 applications in 2025 and made 207 mortgages, in 23 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $320,000. Of 261 decisions, 47 were denials — 18.0%.
| Legal Entity Identifier | 7G95BGMCIZTO8KTOM640 |
|---|---|
| Applications received | 330 |
| Mortgages made | 207 |
| Denied | 47 |
| Approved, not taken up | 7 |
| Withdrawn or incomplete | 69 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Spencer Savings Bank, SLA, 28 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 66 | Not published | $355,000 | 7.9% |
| Refinancing | 55 | Not published | $2,465,000 | 11.3% |
| Cash-out refinancing | 24 | Not published | $170,000 | 11.1% |
| Other purposes | 62 | Not published | $85,000 | 32.3% |
Where Spencer Savings Bank, SLA lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bergen County, NJ | 44 | Not published | 26.2% |
| Essex County, NJ | 28 | Not published | 19.4% |
| Passaic County, NJ | 23 | Not published | 25.8% |
| Hudson County, NJ | 15 | Not published | 21.1% |
| Morris County, NJ | 14 | Not published | 30.0% |
| Middlesex County, NJ | 13 | Not published | 22.2% |
| Union County, NJ | 13 | Not published | 0.0% |
| Bronx County, NY | 11 | Not published | 0.0% |
| Kings County, NY | 9 | Under 10 loans | 0.0% |
| Mercer County, NJ | 6 | Under 10 loans | 0.0% |
| Monmouth County, NJ | 5 | Under 10 loans | 16.7% |
| Ocean County, NJ | 5 | Under 10 loans | 16.7% |
| Sussex County, NJ | 5 | Under 10 loans | 0.0% |
| Burlington County, NJ | 3 | Under 10 loans | 0.0% |
| Somerset County, NJ | 3 | Under 10 loans | 0.0% |
| Camden County, NJ | 2 | Under 10 loans | 0.0% |
| Hunterdon County, NJ | 2 | Under 10 loans | 0.0% |
| Westchester County, NY | 2 | Under 10 loans | 0.0% |
| Atlantic County, NJ | 1 | Under 10 loans | 0.0% |
| Cape May County, NJ | 1 | Under 10 loans | 0.0% |
| Queens County, NY | 1 | Under 10 loans | 0.0% |
| Bucks County, PA | 1 | Under 10 loans | 0.0% |
| Gloucester County, NJ | 0 | Under 10 loans | Not published |
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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.