Cambridge Savings Bank mortgage approval rate & lending review
Cambridge Savings Bank decided 2,819 mortgage applications and funded 2,556 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Cambridge Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Cambridge Savings Bank at a glance
Approval is 10.4 points above the 81.3% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 95% | 1,690 / 1,783 | 99% | $555K | 1,672 |
| Home improvement loans | 78% | 316 / 403 | 98% | $105K | 311 |
| Cash-out refinance | 88% | 229 / 259 | 99% | $255K | 226 |
| Refinance | 92% | 145 / 158 | 99% | $345K | 144 |
| Investment property purchase | 97% | 167 / 172 | 99% | $645K | 166 |
Cambridge Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 92% | $555K | 2,774 | 2,515 |
| New Hampshire | 93% | $405K | 44 | 41 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Cambridge Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Mortgage lenders | 96% | 800 | 758 |
| Suffolk County, MA | Mortgage lenders | 94% | 513 | 482 |
| Middlesex County, MA | Home improvement loans | 79% | 262 | 204 |
| Middlesex County, MA | Cash-out refinance | 90% | 184 | 162 |
| Norfolk County, MA | Mortgage lenders | 93% | 161 | 147 |
| Essex County, MA | Mortgage lenders | 95% | 131 | 123 |
| Middlesex County, MA | Refinance | 95% | 93 | 88 |
| Middlesex County, MA | Investment property purchase | 98% | 65 | 63 |
| Suffolk County, MA | Investment property purchase | 93% | 46 | 43 |
| Essex County, MA | Home improvement loans | 85% | 34 | 28 |
| Suffolk County, MA | Home improvement loans | 63% | 43 | 26 |
| Barnstable County, MA | Investment property purchase | 100% | 23 | 23 |
The county markets where Cambridge Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Cambridge Savings Bank
What is Cambridge Savings Bank's mortgage approval rate?
Cambridge Savings Bank approved 91.7% of the 2,819 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 10.4 points above the 81.3% national rate for the same mix of loan types.
How often do borrowers take the loan Cambridge Savings Bank offers?
Borrowers accepted 99% of the loans Cambridge Savings Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Cambridge Savings Bank make?
The typical home purchase mortgage loan Cambridge Savings Bank made was $555K; across all loan types its typical loan ran from $105K to $645K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Cambridge Savings Bank lend?
Cambridge Savings Bank decided applications in 3 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Rhode Island.
Can I apply to Cambridge Savings Bank directly?
Yes. Cambridge Savings Bank is a bank or credit union with 20 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Cambridge Savings Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Cambridge Savings Bank treats applications, then get a rate quote from the lender.