# Bluestone Bank

> **Canonical URL:** https://saferate.com/lenders/bluestone-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Bluestone Bank is a bank, headquartered in Raynham, MA, serving borrowers across 3 states, with 114 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 11% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300GBZNWRGLS7CP89
- **Headquarters:** Raynham, MA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** MA, NH, RI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 89/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.166%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,117
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 114
- **Dollar Volume:** $55 million
- **Applications Received:** 184
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $478,772
- **Average Borrower Income:** $196,711
- **Average Property Value:** $705,965

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 99 | -0.177% | $1,165 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 81 loans, Score: 35/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 38/100 | 96 | $47M | -0.166% | Acceptable 🙂 |
| Refinance | 29/100 | 18 | $7M | -0.166% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 109 | 0.18% | 71/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Boston, MA | MA | 65 | 71/100 |
| Providence | RI-MA | 34 | 63/100 |

## Where This Lender Ranks

Bluestone Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#12** in Providence Banks
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/banks)
- 🏆 **#18** in Boston, MA Banks
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks)
- 🏆 **#18** in Providence
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Bluestone Bank offer?

Bluestone Bank offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Bluestone Bank offer mortgages?

Bluestone Bank offers mortgages in 3 states: MA, NH, RI.

### How competitive are Bluestone Bank's mortgage rates?

Bluestone Bank has a pricing score of 89/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.166% below market average.

### What type of lender is Bluestone Bank?

Bluestone Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Raynham, MA.

### What is Bluestone Bank's loan approval success rate?

Bluestone Bank has a pull-through score of 42/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/bluestone-bank

### How to Cite

> "Bluestone Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/bluestone-bank

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