Institution for Savings in Newburyport and Its Vicinity in Massachusetts vs the state
8.7%Denial rate-7.52 pts vs state
11.0%Decision denial rate-8.91 pts vs state
69.3%Origination rate+6.74 pts vs state
6.25%Median rate-0.38 pts vs state
-0.42Rate spread (pts)-0.52 pts vs state
$204kMedian applicant income
423Loans originated
53Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 971 | 705 | 8.4% | 6.00% | #43 |
| 2024 | 532 | 351 | 11.7% | 6.38% | #76 |
| 2025 | 610 | 423 | 8.7% | 6.25% | #73 |
What Institution for Savings in Newburyport and Its Vicinity lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Institution for Savings in Newburyport and Its Vicinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 382 | 281 | 34 | 8.9% |
| Middlesex County | 123 | 83 | 10 | 8.1% |
| Suffolk County | 59 | 30 | 4 | 6.8% |
| Norfolk County | 33 | 21 | 2 | 6.1% |
| Plymouth County | 7 | 3 | 2 | 28.6% |
| Worcester County | 3 | 2 | 1 | 33.3% |
| Barnstable County | 3 | 3 | 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: 610 applications in 2025, of which 423 were originated and 53 denied.
8.7% of all applications, or 11.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Institution for Savings in Newburyport and Its Vicinity originated in Massachusetts in 2025 was 6.25%, against a statewide median of 6.63%.
About this data. Figures are Institution for Savings in Newburyport and Its Vicinity'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