Institution for Savings in Newburyport and Its Vicinity mortgage approval rate & lending review
Institution for Savings in Newburyport and Its Vicinity decided 1,784 mortgage applications and funded 1,543 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Institution for Savings in Newburyport and Its Vicinity reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Institution for Savings in Newburyport and Its Vicinity at a glance
Approval is 5.5 points above the 83.2% 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 | 93% | 1,180 / 1,274 | 97% | $515K | 1,150 |
| Home improvement loans | 79% | 156 / 197 | 97% | $105K | 151 |
| Refinance | 78% | 178 / 229 | 98% | $255K | 174 |
| Investment property purchase | 87% | 59 / 68 | 98% | $485K | 58 |
Institution for Savings in Newburyport and Its Vicinity lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 89% | $515K | 1,589 | 1,373 |
| New Hampshire | 89% | $435K | 183 | 161 |
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 Institution for Savings in Newburyport and Its Vicinity lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Essex County, MA | Mortgage lenders | 94% | 718 | 656 |
| Middlesex County, MA | Mortgage lenders | 91% | 220 | 199 |
| Essex County, MA | Home improvement loans | 78% | 168 | 127 |
| Essex County, MA | Refinance | 78% | 163 | 125 |
| Rockingham County, NH | Mortgage lenders | 94% | 106 | 99 |
| Suffolk County, MA | Mortgage lenders | 95% | 82 | 76 |
| Norfolk County, MA | Mortgage lenders | 95% | 63 | 57 |
| Essex County, MA | Investment property purchase | 86% | 29 | 24 |
The county markets where Institution for Savings in Newburyport and Its Vicinity made the most loans. Each link opens that market with every lender ranked.
Questions about Institution for Savings in Newburyport and Its Vicinity
What is Institution for Savings in Newburyport and Its Vicinity's mortgage approval rate?
Institution for Savings in Newburyport and Its Vicinity approved 88.7% of the 1,784 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.5 points above the 83.2% national rate for the same mix of loan types.
How often do borrowers take the loan Institution for Savings in Newburyport and Its Vicinity offers?
Borrowers accepted 97% of the loans Institution for Savings in Newburyport and Its Vicinity 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 Institution for Savings in Newburyport and Its Vicinity make?
The typical home purchase mortgage loan Institution for Savings in Newburyport and Its Vicinity made was $515K; across all loan types its typical loan ran from $105K to $515K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Institution for Savings in Newburyport and Its Vicinity lend?
Institution for Savings in Newburyport and Its Vicinity decided applications in 4 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Maine.
Can I apply to Institution for Savings in Newburyport and Its Vicinity directly?
Yes. Institution for Savings in Newburyport and Its Vicinity is a bank or credit union with 13 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Institution for Savings in Newburyport and Its Vicinity'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 Institution for Savings in Newburyport and Its Vicinity treats applications, then get a rate quote from the lender.