# Dedham Institution for Savings

> **Canonical URL:** https://saferate.com/lenders/dedham-institution-for-savings


> **📋 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


Dedham Institution for Savings is a bank, headquartered in Dedham, MA, serving borrowers across 4 states, with 170 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 21% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 39% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300RS5LTZ0JDZYI59
- **Headquarters:** Dedham, MA
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** MA, ME, NH, RI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 79/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 61/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.203%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $623
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 170
- **Dollar Volume:** $112 million
- **Applications Received:** 222
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $659,706
- **Average Borrower Income:** $277,012
- **Average Property Value:** $983,882

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Jumbo Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 131 | -0.197% | $608 | Sound ☺️ |
| Jumbo | 72/100 | 39 | -0.229% | $680 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 122 loans, Score: 43/100 (Sound)

**Jumbo:**
- Purchase: 34 loans, Score: 72/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 46/100 | 156 | $103M | -0.206% | Sound ☺️ |
| Refinance | 26/100 | 14 | $9M | -0.162% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 166 | 0.28% | 75/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Boston, MA | MA | 103 | 76/100 |
| Cambridge | MA | 38 | 61/100 |

## Where This Lender Ranks

Dedham Institution for Savings appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Boston, MA Banks
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks)
- 🏆 **#14** in Boston, MA
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders)
- 🏆 **#15** in Boston, MA for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#16** in Massachusetts Banks
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks)
- 🏆 **#17** in Massachusetts for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#17** in Boston, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does Dedham Institution for Savings offer?

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

### Where does Dedham Institution for Savings offer mortgages?

Dedham Institution for Savings offers mortgages in 4 states: MA, ME, NH, RI.

### How competitive are Dedham Institution for Savings's mortgage rates?

Dedham Institution for Savings has a pricing score of 79/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.203% below market average.

### What type of lender is Dedham Institution for Savings?

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

### What is Dedham Institution for Savings's loan approval success rate?

Dedham Institution for Savings has a pull-through score of 61/100 (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/dedham-institution-for-savings

### How to Cite

> "Dedham Institution for Savings Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/dedham-institution-for-savings

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