Pentucket Bank mortgage approval rate & lending review
Pentucket Bank decided 354 mortgage applications and funded 308 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Pentucket Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Pentucket Bank at a glance
Approval is 7.5 points above the 80.9% 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 | 94% | 188 / 199 | 98% | $425K | 185 |
| Home improvement loans | 82% | 36 / 44 | 97% | $65K | 35 |
| Cash-out refinance | 71% | 32 / 45 | 100% | $255K | 32 |
| Investment property purchase | 94% | 29 / 31 | 100% | $415K | 29 |
Pentucket Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 91% | $425K | 191 | 172 |
| New Hampshire | 85% | $435K | 161 | 134 |
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 Pentucket Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Essex County, MA | Mortgage lenders | 97% | 66 | 63 |
| Rockingham County, NH | Mortgage lenders | 92% | 63 | 56 |
| Essex County, MA | Home improvement loans | 91% | 23 | 20 |
| Essex County, MA | Cash-out refinance | 71% | 28 | 20 |
The county markets where Pentucket Bank made the most loans. Each link opens that market with every lender ranked.
Questions about Pentucket Bank
What is Pentucket Bank's mortgage approval rate?
Pentucket Bank approved 88.4% of the 354 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.5 points above the 80.9% national rate for the same mix of loan types.
How often do borrowers take the loan Pentucket Bank offers?
Borrowers accepted 98% of the loans Pentucket 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 Pentucket Bank make?
The typical home purchase mortgage loan Pentucket Bank made was $425K; across all loan types its typical loan ran from $65K to $425K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Pentucket Bank lend?
Pentucket Bank decided applications in 4 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Florida.
Can I apply to Pentucket Bank directly?
Yes. Pentucket Bank is a bank or credit union with 6 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Pentucket 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 Pentucket Bank treats applications, then get a rate quote from the lender.