# Country Bank for Savings

> **Canonical URL:** https://saferate.com/lenders/country-bank-for-savings


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Country Bank for Savings is a bank, headquartered in Ware, MA, serving borrowers across 2 states, with 145 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 27% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 49% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493005NN76XZ2NOFH19
- **Headquarters:** Ware, MA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** CT, MA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 73/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.150%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $573
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 145
- **Dollar Volume:** $57 million
- **Applications Received:** 201
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $390,517
- **Average Borrower Income:** $139,841
- **Average Property Value:** $523,276

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 139 | -0.151% | $572 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 121 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 51/100 | 126 | $51M | -0.179% | Sound ☺️ |
| Refinance | 30/100 | 19 | $6M | -0.007% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 143 | 0.24% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Worcester, MA | MA | 61 | 77/100 |
| Springfield, MA | MA | 44 | 71/100 |
| Amherst Town | MA | 25 | 69/100 |

## Where This Lender Ranks

Country Bank for Savings appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#6** in Amherst Town Banks
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/banks)
- 🏆 **#6** in Amherst Town for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Springfield, MA Banks
  - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/banks)
- 🏆 **#8** in Amherst Town
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders)
- 🏆 **#13** in Worcester, MA Banks
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks)
- 🏆 **#16** in Springfield, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Amherst Town for Conventional Loans
  - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/conventional-loans)
- 🏆 **#18** in Worcester, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#19** in Springfield, MA
  - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Country Bank for Savings offer?

Country Bank for Savings offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Country Bank for Savings offer mortgages?

Country Bank for Savings offers mortgages in 2 states: CT, MA.

### How competitive are Country Bank for Savings's mortgage rates?

Country Bank for Savings has a pricing score of 73/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.150% below market average.

### What type of lender is Country Bank for Savings?

Country Bank for Savings is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Ware, MA.

### What is Country Bank for Savings's loan approval success rate?

Country Bank for Savings has a pull-through score of 51/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/country-bank-for-savings

### How to Cite

> "Country Bank for Savings Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/country-bank-for-savings

---

**[View Interactive Profile →](https://saferate.com/lenders/country-bank-for-savings)**