# SIS BANCORP, MHC

> **Canonical URL:** https://saferate.com/lenders/sis-bancorp-mhc


> **📋 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


SIS BANCORP, MHC is a independent mortgage company, headquartered in SANFORD, ME, serving borrowers across 2 states, with 68 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 49% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 58% for loan approval success

## Overview

- **Institution Type:** Independent Mortgage Company
- **LEI (Legal Entity Identifier):** 549300DK2AEMKCO4JZ92
- **Headquarters:** SANFORD, ME
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** ME, NH
- **Markets (MSAs):** 2
- **Primary Channel:** mix
- **Direct Origination:** 67.4%
- **Brokered/Wholesale:** 32.6%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 51/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 42/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.385%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,283
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 68
- **Dollar Volume:** $25 million
- **Applications Received:** 89
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $362,941
- **Average Borrower Income:** $178,559
- **Average Property Value:** $636,765

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 35/100 | 63 | +0.341% | $1,310 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 47 loans, Score: 32/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 51 | $19M | +0.374% | Acceptable 🙂 |
| Refinance | 38/100 | 17 | $5M | +0.402% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| ME | 50 | 0.33% | 67/100 |
| NH | 14 | 0.09% | 51/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Portland | ME | 48 | 72/100 |
| Non |  | 10 | 27/100 |

## Where This Lender Ranks

SIS BANCORP, MHC appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#18** in Portland Mortgage Companies
  - [View Full Rankings](https://saferate.com/portland/best-mortgage-lenders/mortgage-companies)
- 🏆 **#20** in Maine Mortgage Companies
  - [View Full Rankings](https://saferate.com/maine/best-mortgage-lenders/mortgage-companies)

## Frequently Asked Questions

### What loan types does SIS BANCORP, MHC offer?

SIS BANCORP, MHC offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does SIS BANCORP, MHC offer mortgages?

SIS BANCORP, MHC offers mortgages in 2 states: ME, NH.

### How competitive are SIS BANCORP, MHC's mortgage rates?

SIS BANCORP, MHC has a pricing score of 51/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.385% above market average.

### What type of lender is SIS BANCORP, MHC?

SIS BANCORP, MHC is a non-depository lender that specializes in mortgage origination, headquartered in SANFORD, ME.

### What is SIS BANCORP, MHC's loan approval success rate?

SIS BANCORP, MHC has a pull-through score of 42/100 (Sound). 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/sis-bancorp-mhc

### How to Cite

> "SIS BANCORP, MHC Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/sis-bancorp-mhc

---

**[View Interactive Profile →](https://saferate.com/lenders/sis-bancorp-mhc)**