East Cambridge Savings Bank mortgage approval rate & lending review
East Cambridge Savings Bank decided 445 mortgage applications and funded 422 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions East Cambridge Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
East Cambridge Savings Bank at a glance
Approval is 11.2 points above the 85.0% 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% | 284 / 292 | 100% | $595K | 283 |
| Investment property purchase | 96% | 86 / 90 | 99% | $1.09M | 85 |
East Cambridge Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 96% | $595K | 425 | 402 |
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 East Cambridge Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Mortgage lenders | 98% | 170 | 166 |
| Middlesex County, MA | Investment property purchase | 97% | 68 | 66 |
The county markets where East Cambridge Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about East Cambridge Savings Bank
What is East Cambridge Savings Bank's mortgage approval rate?
East Cambridge Savings Bank approved 96.2% of the 445 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.2 points above the 85.0% national rate for the same mix of loan types.
How often do borrowers take the loan East Cambridge Savings Bank offers?
Borrowers accepted 99% of the loans East 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 East Cambridge Savings Bank make?
The typical home purchase mortgage loan East Cambridge Savings Bank made was $595K; across all loan types its typical loan ran from $595K to $1.09M. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does East Cambridge Savings Bank lend?
East Cambridge Savings Bank decided applications in 6 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Florida.
Can I apply to East Cambridge Savings Bank directly?
Yes. East Cambridge Savings Bank is a bank or credit union with 12 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show East 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 East Cambridge Savings Bank treats applications, then get a rate quote from the lender.