Newburyport Five Cents Savings Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
52nd9.2% deniedProcesswithdrawn + incomplete share, weight 15%
47th12.1%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 206 | 136 | 15.1% | 18.3% | — | $96M |
| 2024 | 223 | 176 | 9.9% | 11.0% | — | $117M |
| 2025 | 223 | 174 | 8.1% | 9.2% | — | $118M |
What Newburyport Five Cents Savings Bank 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, 63 investment properties.
Who gets approved at Newburyport Five Cents Savings Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 24 | 20 | 9.1% |
| $100k – $150k | 34 | 27 | 10.0% |
| $150k – $250k | 28 | 21 | 18.5% |
| Over $250k | 81 | 61 | 3.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 33 | 29 | 6.5% |
| 35–44 | 46 | 32 | 10.8% |
| 45–54 | 34 | 24 | 14.3% |
| 55–64 | 31 | 25 | 13.8% |
| 65–74 | 24 | 19 | 9.5% |
Where Newburyport Five Cents Savings Bank lends
5 states and 21 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 132 | 103 | 6.1% | — | #219 |
| New Hampshire | 79 | 63 | 7.6% | — | #95 |
| Maine | 10 | 7 | 30.0% | — | #220 |
Frequently asked questions
Newburyport Five Cents Savings Bank denied 9.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 52nd percentile of small mortgage lenders.
In 2025, 65% of its applications were for home purchases, 20% for refinancing (including cash-out), and 15% 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.