Newburyport Five Cents Savings Bank mortgage approval rate & lending review
Newburyport Five Cents Savings Bank decided 454 mortgage applications and funded 391 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Newburyport Five Cents Savings Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Newburyport Five Cents Savings Bank at a glance
Approval is 5.7 points above the 81.5% 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 | 90% | 188 / 209 | 99% | $495K | 186 |
| Home improvement loans | 85% | 28 / 33 | 100% | $85K | 28 |
| Cash-out refinance | 68% | 34 / 50 | 100% | $255K | 34 |
| Investment property purchase | 92% | 98 / 107 | 99% | $605K | 97 |
Newburyport Five Cents Savings Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 90% | $495K | 287 | 254 |
| New Hampshire | 84% | $505K | 146 | 122 |
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 Newburyport Five Cents Savings Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Essex County, MA | Mortgage lenders | 94% | 110 | 102 |
| Essex County, MA | Investment property purchase | 98% | 56 | 54 |
| Rockingham County, NH | Mortgage lenders | 85% | 59 | 49 |
| Essex County, MA | Cash-out refinance | 70% | 30 | 21 |
| Essex County, MA | Home improvement loans | 85% | 20 | 17 |
The county markets where Newburyport Five Cents Savings Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Newburyport Five Cents Savings Bank
What is Newburyport Five Cents Savings Bank's mortgage approval rate?
Newburyport Five Cents Savings Bank approved 87.2% of the 454 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.7 points above the 81.5% national rate for the same mix of loan types.
How often do borrowers take the loan Newburyport Five Cents Savings Bank offers?
Borrowers accepted 99% of the loans Newburyport Five Cents 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 Newburyport Five Cents Savings Bank make?
The typical home purchase mortgage loan Newburyport Five Cents Savings Bank made was $495K; across all loan types its typical loan ran from $85K to $605K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Newburyport Five Cents Savings Bank lend?
Newburyport Five Cents Savings Bank decided applications in 4 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Maine.
Can I apply to Newburyport Five Cents Savings Bank directly?
Yes. Newburyport Five Cents 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 Newburyport Five Cents 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 Newburyport Five Cents Savings Bank treats applications, then get a rate quote from the lender.