Lender in Massachusetts · HMDA 2025
Institution for Savings in Newburyport and Its Vicinity mortgages in Massachusetts
Institution for Savings in Newburyport and Its Vicinity's 2025 home-purchase and refinance lending in Massachusetts, compared with all lenders in the state.
Institution for Savings in Newburyport and Its Vicinity originated 385 owner-occupied single-family loans in Massachusetts from 435 completed applications.
Its median conventional purchase loan costs were $4,620 versus $5,240 for all Massachusetts lenders, at a median 30-year fixed rate of 6.25% (Massachusetts: 6.575%).
Loans in MA
385
of 435 applications
Denial rate
7.9%
Purchase · MA 6.3%
Rate spread
−0.45 pts
Conv. · MA +0.02 pts
Loan amount
$555,000
Purchase · MA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 381 | 347 | 7.9% | 6.250% | −0.45 pts | $4,620 | $555,000 |
| Refinance | 54 | 38 | 29.6% | 6.375% | −0.41 pts | $3,550 | $395,000 |
| Cash-out refinance | 0 | 0 | — | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Massachusetts counties where Institution for Savings in Newburyport and Its Vicinity ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Essex County | 7 | 252 | 3.1% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology