# Easthampton Savings Bank > **Canonical URL:** https://saferate.com/lenders/easthampton-savings-bank > **πŸ“‹ 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 Easthampton Savings Bank is a bank, headquartered in Easthampton, MA, serving borrowers across 7 states, with 522 loans originated in the most recent reporting period. **At a Glance:** - **Pricing:** Ranks in the top 30% of lenders for competitive rates - **Approval Rate:** Ranks in the top 35% for loan approval success ## Overview - **Institution Type:** Bank - **LEI (Legal Entity Identifier):** 549300N38Q5YKSSV1106 - **Headquarters:** Easthampton, MA - **Geographic Reach:** Multi-Region - **States Served:** 7 - **State List:** CT, FL, MA, ME, NH, RI, VT - **Markets (MSAs):** 9 - **Primary Channel:** Direct to Consumer - **Direct Origination:** 100% - **Brokered/Wholesale:** 0% ## Safe Rate Ratings ### Pricing: Strong πŸ˜€ - Score: 70/100 - Rating: ●●●●○ (4/5) ### Pull Through: Strong πŸ˜€ - Score: 65/100 - Rating: ●●●●○ (4/5) ### Pricing Details - **Average Rate Spread:** -0.008% - *(Average of lender's APR minus market average APR)* - **Average Net Fees:** $606 - *(Borrower paid Origination Charges minus Lender Credits)* ### Lending Volume - **Total Loans:** 522 - **Dollar Volume:** $247 million - **Applications Received:** 665 - **Market Share:** 1.00% ## Typical Borrower Profile - **Average Loan Amount:** $472,433 - **Average Borrower Income:** $194,695 - **Average Property Value:** $705,536 ## Safe Rate Awards πŸ† - ⭐ **Conventional Gold Superstar** (70%) - ⭐ **Jumbo Gold Superstar** (70%) - ⭐ **Purchase Gold Superstar** (70%) ## Performance by Loan Product | Product | Score | Volume | Avg Spread | Avg Fees | Rating | |---------|-------|--------|------------|----------|--------| | Conventional | 68/100 | 466 | -0.006% | $632 | Strong πŸ˜€ | | FHA | 52/100 | 16 | +0.062% | $-104 | Sound ☺️ | | Jumbo | 70/100 | 36 | -0.029% | $846 | Strong πŸ˜€ | ### Product Performance by Purpose **Conventional:** - Purchase: 415 loans, Score: 67/100 (Strong) - Refinance: 51 loans, Score: 54/100 (Sound) **Jumbo:** - Purchase: 33 loans, Score: 71/100 (Strong) ## Performance by Loan Purpose | Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating | |---------|-------|--------|---------------|------------|--------| | Purchase | 67/100 | 468 | $228M | -0.042% | Strong πŸ˜€ | | Refinance | 52/100 | 54 | $19M | +0.308% | Sound ☺️ | ## State Performance | State | Volume | Market Share | Place Score | |-------|--------|--------------|-------------| | MA | 440 | 0.73% | 83/100 | | RI | 34 | 0.32% | 59/100 | | CT | 23 | 0.07% | 50/100 | | NH | 10 | 0.06% | 41/100 | ## Top Metro Markets (MSAs) | Market | State | Volume | Place Score | |--------|-------|--------|-------------| | Boston, MA | MA | 135 | 76/100 | | Cambridge | MA | 87 | 69/100 | | Worcester, MA | MA | 78 | 77/100 | | Springfield, MA | MA | 62 | 73/100 | | Providence | RI-MA | 53 | 65/100 | | Amherst Town | MA | 40 | 76/100 | | Non | | 26 | 32/100 | | Barnstable Town, MA | MA | 13 | 46/100 | | Hartford | CT | 10 | 41/100 | ## Where This Lender Ranks Easthampton Savings Bank appears in the following market rankings: ### Best Overall Mortgage Lenders - πŸ† **#4** in Springfield, MA Banks - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/banks) - πŸ† **#4** in Springfield, MA for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/banks/fha-loans) - πŸ† **#4** in Amherst Town Banks - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/banks) - πŸ† **#5** in Worcester, MA Banks - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks) - πŸ† **#5** in Worcester, MA for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#5** in Springfield, MA for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#5** in Amherst Town - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders) - πŸ† **#5** in Amherst Town for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#6** in Massachusetts for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#6** in Boston, MA for FHA Loans (Banks) - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/fha-loans) - πŸ† **#6** in Worcester, MA - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders) - πŸ† **#6** in Worcester, MA for Conventional Loans - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/conventional-loans) - πŸ† **#7** in Cambridge for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#7** in Springfield, MA - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders) - πŸ† **#7** in Springfield, MA for Conventional Loans - [View Full Rankings](https://saferate.com/springfield-ma/best-mortgage-lenders/conventional-loans) - πŸ† **#7** in Amherst Town for Conventional Loans - [View Full Rankings](https://saferate.com/amherst-town/best-mortgage-lenders/conventional-loans) - πŸ† **#8** in Massachusetts Banks - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks) - πŸ† **#8** in Massachusetts for Conventional Loans - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/conventional-loans) - πŸ† **#8** in Boston, MA for Conventional Loans (Banks) - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/conventional-loans) - πŸ† **#8** in Cambridge for Conventional Loans - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/conventional-loans) ## Frequently Asked Questions ### What loan types does Easthampton Savings Bank offer? Easthampton Savings Bank offers the following mortgage loan types: FHA, Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis. ### Where does Easthampton Savings Bank offer mortgages? Easthampton Savings Bank offers mortgages in 7 states: CT, FL, MA, ME, NH, RI, VT. ### How competitive are Easthampton Savings Bank's mortgage rates? Easthampton Savings Bank has a pricing score of 70/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks. Their average rate spread is 0.008% below market average. ### What type of lender is Easthampton Savings Bank? Easthampton Savings Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Easthampton, MA. ### What is Easthampton Savings Bank's loan approval success rate? Easthampton Savings Bank has a pull-through score of 65/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process. --- ## 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/easthampton-savings-bank ### How to Cite > "Easthampton Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/easthampton-savings-bank --- **[View Interactive Profile β†’](https://saferate.com/lenders/easthampton-savings-bank)**