Mortgage by CountyWhat home buyers actually paid, county by county

Independent analysis of official mortgage recordsHMDA 2025 · 7,155,718 applications

Lender profile · HMDA 2025

Fall River Five Cents Savings Bank: 2025 mortgage rates, costs & approvals

How Fall River Five Cents Savings Bank priced and approved home loans in 2025, measured against every lender in the official HMDA records.

HMDA legal name: Fall River Five Cents Savings Bank · LEI 549300Q61S3IBOJITT02

In 2025, Fall River Five Cents Savings Bank originated 568 home-purchase, refinance and cash-out loans on owner-occupied single-family homes in 5 states — 680th by volume among the 2,017 lenders profiled here.

On conventional 30-year fixed purchase loans its median rate was 6.50% (all lenders: 6.625%); its median rate spread was 14 basis points below the national median. Median conventional loan costs were $4,350, 22% lower than the national median ($5,570).

It denied 3.9% of completed home-purchase applications (all lenders: 8.5%).

Loans
568
of 594 applications
Denial rate
3.9%
Purchase · all 8.5%
30-yr fixed rate
6.50%
Conv. · all 6.625%
Loan costs
$4,350
Conv. · all $5,570
Loan amount
$455,000
Purchase · all $335,000
Borrower income
$134,000
Purchase · all $116,000

How Fall River Five Cents Savings Bank priced home-purchase loans

Purchase loans, 2025Fall River Five Cents Savings BankAll lenders
30-year fixed rate · conventional6.500%6.625%
30-year fixed rate · FHA6.125%6.250%
30-year fixed rate · VA—6.125%
15-year fixed rate · conventional—5.875%
Rate spread vs. APOR · conventional−0.01 pts+0.13 pts
Total loan costs · conventional$4,350$5,570
Total loan costs · FHA$14,810$11,310
Total loan costs · VA—$6,490
Origination charges (all types)$1,100$1,860
Borrowers paying discount points25.0%51.3%
Points paid, when paid (% of loan)0.74%0.87%
Borrowers receiving lender credits22.2%33.1%

Medians shown with at least 20 loans. A lender's numbers reflect its borrowers (credit, down payment, loan size, location) as well as its pricing; HMDA has no credit scores. Rate spread = APR minus the average prime offer rate on the lock date, which removes most of the effect of when the rate was locked.

Loan mix and borrowers

By loan type

Conventional 76.2% 433
FHA 20.8% 118
VA 3.0% 17

By purpose

Home purchase 82.4% 468
Refinance 10.6% 60
Cash-out refinance 7.0% 40
Home value
$555,000
Median, purchase loans
Down payment
10%
All lenders 10%
Refi rate
6.375%
30-yr fixed, conventional
Refi denial rate
1.6%
Cash-out 11.1%

Where Fall River Five Cents Savings Bank lends

StateLoansApplicationsPurchase denial rate30-yr rate*Loan costs*
Massachusetts3994224.6%6.500%$4,430
Rhode Island1581612.2%6.500%$4,240
Connecticut77———
Florida33———
New Hampshire11———

*Conventional home-purchase loans, medians with at least 20 loans. Linked state names open Fall River Five Cents Savings Bank's page for that state.

Counties where Fall River Five Cents Savings Bank is a top lender

CountyRankLoansMarket share
Bristol County, MA61843.0%
Kent County, RI22371.5%
Providence County, RI21981.4%
Newport County, RI2481.1%

Check Fall River Five Cents Savings Bank yourself

This is a statistical profile, not a review or recommendation. HMDA data alone cannot show whether a lender complies with fair-lending laws, and a lender's medians depend on the borrowers it serves.

Lenders of similar size

Source: FFIEC/CFPB HMDA 2025 public LAR and filer list. Core segment: owner-occupied, single-family site-built, first-lien, closed-end purchase and refinance loans. Methodology