# Institution for Savings in Newburyport and Its Vicinity

> **Canonical URL:** https://saferate.com/lenders/institution-for-savings-in-newburyport-and-its-vicinity


> **📋 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


Institution for Savings in Newburyport and Its Vicinity is a bank, headquartered in Newburyport, MA, serving borrowers across 3 states, with 348 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 8% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 47% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493001QVY14BXG42N39
- **Headquarters:** Newburyport, MA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** MA, ME, NH
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 98.3%
- **Brokered/Wholesale:** 1.7%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 92/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 53/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.377%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,065
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 348
- **Dollar Volume:** $196 million
- **Applications Received:** 527
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $563,477
- **Average Borrower Income:** $263,221
- **Average Property Value:** $851,408

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 301 | -0.388% | $975 | Sound ☺️ |
| Jumbo | 73/100 | 47 | -0.292% | $1,740 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 264 loans, Score: 55/100 (Sound)
- Refinance: 37 loans, Score: 47/100 (Sound)

**Jumbo:**
- Purchase: 42 loans, Score: 74/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 57/100 | 306 | $176M | -0.354% | Sound ☺️ |
| Refinance | 48/100 | 42 | $20M | -0.548% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 300 | 0.50% | 79/100 |
| NH | 44 | 0.28% | 62/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cambridge | MA | 255 | 84/100 |
| Boston, MA | MA | 37 | 60/100 |
| Rockingham County | NH | 32 | 62/100 |

## Where This Lender Ranks

Institution for Savings in Newburyport and Its Vicinity appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#4** in Rockingham County Banks
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/banks)
- 🏆 **#6** in Cambridge Banks
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks)
- 🏆 **#6** in New Hampshire Banks
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/banks)
- 🏆 **#7** in Cambridge
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders)
- 🏆 **#7** in Rockingham County
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders)
- 🏆 **#9** in Rockingham County for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#10** in Cambridge for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks/jumbo-loans)
- 🏆 **#12** in Cambridge for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#12** in New Hampshire for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#13** in New Hampshire
  - [View Full Rankings](https://saferate.com/new-hampshire/best-mortgage-lenders)
- 🏆 **#18** in Cambridge for Conventional Loans
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/conventional-loans)
- 🏆 **#18** in Cambridge for Jumbo Loans
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/jumbo-loans)
- 🏆 **#19** in Rockingham County for Conventional Loans
  - [View Full Rankings](https://saferate.com/rockingham-county/best-mortgage-lenders/conventional-loans)
- 🏆 **#20** in Massachusetts Banks
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/banks)

## Frequently Asked Questions

### What loan types does Institution for Savings in Newburyport and Its Vicinity offer?

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

### Where does Institution for Savings in Newburyport and Its Vicinity offer mortgages?

Institution for Savings in Newburyport and Its Vicinity offers mortgages in 3 states: MA, ME, NH.

### How competitive are Institution for Savings in Newburyport and Its Vicinity's mortgage rates?

Institution for Savings in Newburyport and Its Vicinity has a pricing score of 92/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.377% below market average.

### What type of lender is Institution for Savings in Newburyport and Its Vicinity?

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

### What is Institution for Savings in Newburyport and Its Vicinity's loan approval success rate?

Institution for Savings in Newburyport and Its Vicinity has a pull-through score of 53/100 (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/institution-for-savings-in-newburyport-and-its-vicinity

### How to Cite

> "Institution for Savings in Newburyport and Its Vicinity Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/institution-for-savings-in-newburyport-and-its-vicinity

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