# Easthampton Savings Bank

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

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 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- 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

## Safe Rate Awards 🏆

- ⭐ **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 😀 |
| FHA | 52/100 | 16 | +0.062% | $-104 | Sound ☺️ |
| Jumbo | 70/100 | 36 | -0.029% | $846 | Strong 😀 |

### 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 😀 |
| 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 |

## 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.

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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:** 2026-05-29
**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

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