Dedham Institution For Savings mortgage approval rate & lending review
Dedham Institution For Savings decided 946 mortgage applications and funded 883 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Dedham Institution For Savings reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Dedham Institution For Savings at a glance
Approval is 13.0 points above the 82.1% 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 | 97% | 502 / 519 | 99% | $535K | 497 |
| Home improvement loans | 89% | 50 / 56 | 96% | $65K | 48 |
| Cash-out refinance | 84% | 67 / 80 | 99% | $205K | 66 |
| Investment property purchase | 98% | 180 / 184 | 96% | $1.04M | 173 |
| Investment refinance | 94% | 31 / 33 | 100% | $705K | 31 |
| Investment home improvement | 98% | 39 / 40 | 100% | $335K | 39 |
Dedham Institution For Savings lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 95% | $535K | 930 | 867 |
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 Dedham Institution For Savings lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Norfolk County, MA | Mortgage lenders | 98% | 176 | 173 |
| Suffolk County, MA | Mortgage lenders | 94% | 119 | 112 |
| Middlesex County, MA | Investment property purchase | 98% | 52 | 48 |
| Suffolk County, MA | Investment property purchase | 96% | 54 | 48 |
| Norfolk County, MA | Investment property purchase | 100% | 41 | 41 |
| Norfolk County, MA | Cash-out refinance | 76% | 45 | 33 |
| Norfolk County, MA | Home improvement loans | 88% | 33 | 27 |
The county markets where Dedham Institution For Savings made the most loans. Each link opens that market with every lender ranked.
Questions about Dedham Institution For Savings
What is Dedham Institution For Savings's mortgage approval rate?
Dedham Institution For Savings approved 95.1% of the 946 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.0 points above the 82.1% national rate for the same mix of loan types.
How often do borrowers take the loan Dedham Institution For Savings offers?
Borrowers accepted 98% of the loans Dedham Institution For Savings 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 Dedham Institution For Savings make?
The typical home purchase mortgage loan Dedham Institution For Savings made was $535K; across all loan types its typical loan ran from $65K to $1.04M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Dedham Institution For Savings lend?
Dedham Institution For Savings decided applications in 4 of the states Fat Boy Data covers, most of them in Massachusetts, Rhode Island and New Hampshire.
Can I apply to Dedham Institution For Savings directly?
Yes. Dedham Institution For Savings is a bank or credit union with 14 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Dedham Institution For Savings'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 Dedham Institution For Savings treats applications, then get a rate quote from the lender.