# Middlesex Savings Bank

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


Middlesex Savings Bank is a bank, headquartered in Natick, MA, with 87 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 25% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** VMDPCBOQ43W3PZTYZL93
- **Headquarters:** Natick, MA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** MA
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.016%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $645
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 87
- **Dollar Volume:** $48 million
- **Applications Received:** 110
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $556,954
- **Average Borrower Income:** $218,586
- **Average Property Value:** $859,253

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 30/100 | 74 | -0.015% | $637 | Acceptable 🙂 |
| Jumbo | 61/100 | 13 | -0.028% | $716 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 66 loans, Score: 32/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 77 | $42M | -0.020% | Acceptable 🙂 |
| Refinance | 21/100 | 10 | $6M | +0.013% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 87 | 0.14% | 69/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Cambridge | MA | 36 | 63/100 |
| Boston, MA | MA | 25 | 58/100 |
| Worcester, MA | MA | 22 | 61/100 |

## Where This Lender Ranks

Middlesex Savings Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#17** in Worcester, MA Banks
  - [View Full Rankings](https://saferate.com/worcester-ma/best-mortgage-lenders/banks)

## Frequently Asked Questions

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

Middlesex 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 Middlesex Savings Bank offer mortgages?

Middlesex Savings Bank offers mortgages in 1 states: MA.

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

Middlesex Savings Bank has a pricing score of 75/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.016% below market average.

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

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

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

Middlesex Savings Bank has a pull-through score of 43/100 (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/middlesex-savings-bank

### How to Cite

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

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