# Fall River Five Cents Savings Bank

> **Canonical URL:** https://saferate.com/lenders/fall-river-five-cents-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


Fall River Five Cents Savings Bank is a bank, headquartered in Fall River, MA, serving borrowers across 6 states, with 547 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 16% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 25% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300Q61S3IBOJITT02
- **Headquarters:** Fall River, MA
- **Geographic Reach:** Multi-Region
- **States Served:** 6
- **State List:** CT, FL, MA, ME, NH, RI
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 84/100
- Rating: ●●●●● (5/5)

### Pull Through: Strong 😀
- Score: 75/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.049%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,424
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 547
- **Dollar Volume:** $250 million
- **Applications Received:** 676
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $456,261
- **Average Borrower Income:** $158,792
- **Average Property Value:** $605,384

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 412 | +0.015% | $1,269 | Strong 😀 |
| FHA | 68/100 | 109 | +0.199% | $2,074 | Strong 😀 |
| VA | 38/100 | 11 | -0.477% | $825 | Acceptable 🙂 |
| Jumbo | 62/100 | 15 | +0.218% | $1,380 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 358 loans, Score: 60/100 (Strong)
- Refinance: 54 loans, Score: 55/100 (Sound)

**FHA:**
- Purchase: 93 loans, Score: 67/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 62/100 | 471 | $219M | +0.040% | Strong 😀 |
| Refinance | 58/100 | 76 | $30M | +0.107% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 448 | 0.74% | 83/100 |
| RI | 83 | 0.77% | 72/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Providence | RI-MA | 260 | 88/100 |
| Boston, MA | MA | 119 | 74/100 |
| Cambridge | MA | 92 | 69/100 |
| Worcester, MA | MA | 31 | 61/100 |
| Barnstable Town, MA | MA | 25 | 55/100 |

## Where This Lender Ranks

Fall River Five Cents Savings Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Providence Banks
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/banks)
- 🥇 **#1** in Providence for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Providence for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/banks/fha-loans)
- 🥈 **#2** in Providence
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders)
- 🥈 **#2** in Providence for Conventional Loans
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/conventional-loans)
- 🥈 **#2** in Boston, MA for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Massachusetts for Conventional Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/conventional-loans)
- 🥉 **#3** in Massachusetts for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/conventional-loans)
- 🥉 **#3** in Massachusetts for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Providence for FHA Loans
  - [View Full Rankings](https://saferate.com/providence/best-mortgage-lenders/fha-loans)
- 🥉 **#3** in Cambridge for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Rhode Island for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/rhode-island/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Cambridge for Conventional Loans
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Cambridge for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Worcester, MA
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders)
- 🏆 **#4** in Worcester, MA Banks
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks)
- 🏆 **#4** in Worcester, MA for Conventional Loans
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Worcester, MA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Barnstable Town, MA Banks
  - [View Full Rankings](https://saferate.com/barnstable-town-ma/best-mortgage-lenders/banks)
- 🏆 **#5** in Massachusetts
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Fall River Five Cents Savings Bank offer?

Fall River Five Cents Savings Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Fall River Five Cents Savings Bank offer mortgages?

Fall River Five Cents Savings Bank offers mortgages in 6 states: CT, FL, MA, ME, NH, RI.

### How competitive are Fall River Five Cents Savings Bank's mortgage rates?

Fall River Five Cents Savings Bank has a pricing score of 84/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.049% above market average.

### What type of lender is Fall River Five Cents Savings Bank?

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

### What is Fall River Five Cents Savings Bank's loan approval success rate?

Fall River Five Cents Savings Bank has a pull-through score of 75/100 (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/fall-river-five-cents-savings-bank

### How to Cite

> "Fall River Five Cents Savings Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fall-river-five-cents-savings-bank

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