Dedham Institution for Savings in Massachusetts vs the state
3.9%Denial rate-12.31 pts vs state
4.3%Decision denial rate-15.62 pts vs state
83.6%Origination rate+20.97 pts vs state
6.38%Median rate-0.25 pts vs state
-0.14Rate spread (pts)-0.23 pts vs state
$192kMedian applicant income
300Loans originated
14Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 456 | 357 | 3.5% | 6.38% | #88 |
| 2024 | 372 | 289 | 5.9% | 6.67% | #96 |
| 2025 | 359 | 300 | 3.9% | 6.38% | #102 |
What Dedham Institution for Savings lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Dedham Institution for Savings applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Norfolk County | 141 | 123 | 7 | 5.0% |
| Suffolk County | 76 | 60 | 4 | 5.3% |
| Middlesex County | 57 | 47 | 2 | 3.5% |
| Plymouth County | 42 | 35 | 0 | 0.0% |
| Bristol County | 18 | 14 | 0 | 0.0% |
| Barnstable County | 10 | 9 | 0 | 0.0% |
| Worcester County | 8 | 7 | 1 | 12.5% |
| Essex County | 7 | 5 | 0 | 0.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 359 applications in 2025, of which 300 were originated and 14 denied.
3.9% of all applications, or 4.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Dedham Institution for Savings originated in Massachusetts in 2025 was 6.38%, against a statewide median of 6.63%.
About this data. Figures are Dedham Institution for Savings's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology