# Cambridge Savings Bank

> **Canonical URL:** https://saferate.com/lenders/cambridge-savings-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


Cambridge Savings Bank is a bank, headquartered in Cambridge, MA, serving borrowers across 2 states, with 535 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 10% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300FHGNOLF14HHS09
- **Headquarters:** Cambridge, MA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** MA, NH
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 90/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.293%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $882
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 535
- **Dollar Volume:** $332 million
- **Applications Received:** 653
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $620,346
- **Average Borrower Income:** $225,716
- **Average Property Value:** $854,570

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (78%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 461 | -0.319% | $855 | Sound ☺️ |
| Jumbo | 77/100 | 74 | -0.132% | $1,052 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 436 loans, Score: 61/100 (Strong)
- Refinance: 25 loans, Score: 38/100 (Acceptable)

**Jumbo:**
- Purchase: 73 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 509 | $318M | -0.275% | Strong 😀 |
| Refinance | 38/100 | 26 | $13M | -0.649% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 524 | 0.87% | 85/100 |
| NH | 11 | 0.07% | 42/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cambridge | MA | 270 | 84/100 |
| Boston, MA | MA | 226 | 84/100 |
| Worcester, MA | MA | 18 | 52/100 |

## Where This Lender Ranks

Cambridge Savings Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Cambridge
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders)
- 🥈 **#2** in Cambridge Banks
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks)
- 🥈 **#2** in Boston, MA
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders)
- 🥈 **#2** in Boston, MA Banks
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks)
- 🥉 **#3** in Massachusetts
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders)
- 🥉 **#3** in Massachusetts Banks
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks)
- 🏆 **#5** in Cambridge for Conventional Loans
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Cambridge for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Boston, MA for Conventional Loans
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/conventional-loans)
- 🏆 **#7** in Boston, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Cambridge for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#9** in Cambridge for Jumbo Loans
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/jumbo-loans)
- 🏆 **#9** in Boston, MA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#10** in Boston, MA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/jumbo-loans)
- 🏆 **#11** in Massachusetts for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#12** in Massachusetts for Jumbo Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/jumbo-loans)
- 🏆 **#13** in Massachusetts for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#16** in Worcester, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#17** in Massachusetts for Conventional Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Cambridge Savings Bank offer?

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

### Where does Cambridge Savings Bank offer mortgages?

Cambridge Savings Bank offers mortgages in 2 states: MA, NH.

### How competitive are Cambridge Savings Bank's mortgage rates?

Cambridge Savings Bank has a pricing score of 90/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.293% below market average.

### What type of lender is Cambridge Savings Bank?

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

### What is Cambridge Savings Bank's loan approval success rate?

Cambridge Savings Bank has a pull-through score of 70/100 (Strong). 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/cambridge-savings-bank

### How to Cite

> "Cambridge Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/cambridge-savings-bank

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