Middlesex Savings Bank mortgage approval rate & lending review
Middlesex Savings Bank decided 2,507 mortgage applications and funded 2,200 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Middlesex Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Middlesex Savings Bank at a glance
Approval is 15.8 points above the 73.7% 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% | 578 / 623 | 99% | $505K | 571 |
| Home improvement loans | 88% | 935 / 1,064 | 97% | $135K | 905 |
| Cash-out refinance | 86% | 31 / 36 | 94% | $485K | 29 |
| Refinance | 88% | 522 / 595 | 99% | $205K | 518 |
| Investment property purchase | 96% | 121 / 126 | 98% | $485K | 119 |
| Investment refinance | 92% | 44 / 48 | 100% | $415K | 44 |
Middlesex Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 90% | $205K | 2,504 | 2,197 |
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 Middlesex Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Home improvement loans | 90% | 668 | 580 |
| Middlesex County, MA | Refinance | 90% | 376 | 335 |
| Middlesex County, MA | Mortgage lenders | 94% | 293 | 272 |
| Norfolk County, MA | Home improvement loans | 84% | 182 | 150 |
| Worcester County, MA | Home improvement loans | 86% | 140 | 118 |
| Worcester County, MA | Mortgage lenders | 94% | 124 | 116 |
| Norfolk County, MA | Mortgage lenders | 91% | 113 | 99 |
| Norfolk County, MA | Refinance | 86% | 112 | 96 |
| Worcester County, MA | Refinance | 78% | 69 | 54 |
| Middlesex County, MA | Investment property purchase | 100% | 39 | 38 |
| Barnstable County, MA | Investment property purchase | 96% | 27 | 25 |
| Essex County, MA | Home improvement loans | 79% | 28 | 21 |
The county markets where Middlesex Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Middlesex Savings Bank
What is Middlesex Savings Bank's mortgage approval rate?
Middlesex Savings Bank approved 89.5% of the 2,507 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 15.8 points above the 73.7% national rate for the same mix of loan types.
How often do borrowers take the loan Middlesex Savings Bank offers?
Borrowers accepted 98% of the loans Middlesex Savings Bank approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Middlesex Savings Bank make?
The typical home improvement loan loan Middlesex Savings Bank made was $135K; across all loan types its typical loan ran from $135K to $505K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Middlesex Savings Bank lend?
Middlesex Savings Bank decided applications in 2 of the states Fat Boy Data covers, most of them in Massachusetts and Rhode Island.
Can I apply to Middlesex Savings Bank directly?
Yes. Middlesex Savings Bank is a bank or credit union with 34 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Middlesex 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 Middlesex Savings Bank treats applications, then get a rate quote from the lender.