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Institution for Savings in Newburyport and Its Vicinity

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Institution for Savings in Newburyport and Its Vicinity has 348 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 3 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 37.70 basis points below market average
  • Lower than average lender fees

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Report Card

Institution for Savings in Newburyport and Its Vicinity performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 37.7 bps below market avg
Pull Through
Closing strength
Sound
Top 60% of lenders
By Loan Product· Specialization by type
Conventional
Sound
Top 60% of lenders
Jumbo
Strong
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Sound
Top 60% of lenders
Refinance
Sound
Top 60% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume301
Mix86.5%
Spread
-0.388%Below
Fees
$975Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Sound
Volume47
Mix13.5%
Spread
-0.292%Below
Fees
$1,740Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Sound
Volume306
Mix87.9%
Spread
-0.354%Below
Fees
$1,035Fees
Refinance
Overall
Sound
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume42
Mix12.1%
Spread
-0.548%Below
Fees
$1,289Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
348
Applications
527
Volume
$196 million
Pricing & Closing
Avg Rate Spread
-0.377%
vs. market APOR
Avg Net Fees
$1,065
Origination − Credits
Pullthrough Rate
66.0%
Applications → Closed
Typical Borrower
Avg Loan Amount
$563,477
Avg Borrower Income
$263,221
Avg Property Value
$851,408

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
3
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

3
3 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Northeast3
MEMANH

Top Metro Areas by Place Specialization Score

Volume 255Mix 73.28% of portfolio
84/100
Exceptional
2© John Phelan · CC BY-SA 3.0
Rockingham County, NHMetro
Volume 32Mix 9.20% of portfolio
62/100
Strong
Volume 37Mix 10.63% of portfolio
60/100
Sound

Top States by Place Specialization Score

Massachusetts
Massachusetts
1
MassachusettsState
Volume 300Mix 86.21% of portfolio
79/100
Strong
New Hampshire
New Hampshire
2
New HampshireState
Volume 44Mix 12.64% of portfolio
62/100
Strong

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.