Hingham Institution for Savings, The at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 220 investment-property lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
23rd11.7% deniedProcesswithdrawn + incomplete share, weight 15%
30th9.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 165 | 128 | 7.9% | 9.0% | 6.50% | $288M |
| 2024 | 125 | 99 | 8.0% | 8.9% | — | $230M |
| 2025 | 152 | 118 | 10.5% | 11.7% | — | $235M |
What Hingham Institution for Savings, The lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 102 investment properties.
Who gets approved at Hingham Institution for Savings, The
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Over $250k | 28 | 21 | 8.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 21 | 15 | 21.1% |
| 45–54 | 30 | 22 | 20.7% |
| 55–64 | 24 | 18 | 9.5% |
Where Hingham Institution for Savings, The lends
4 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 126 | 98 | 10.3% | — | #223 |
| District of Columbia | 14 | 12 | 14.3% | — | #154 |
| California | 6 | 4 | 0.0% | — | #789 |
| Maryland | 6 | 4 | 16.7% | — | #525 |
Frequently asked questions
Hingham Institution for Savings, The denied 11.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 23rd percentile of investment-property lenders.
In 2025, 59% of its applications were for home purchases, 38% for refinancing (including cash-out), and 4% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.