Bay State Savings Bank
Bay State Savings Bank received 156 applications in 2025 and made 92 mortgages, in 16 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $325,000. Of 118 decisions, 25 were denials — 21.2%.
| Legal Entity Identifier | 549300V8UCJTLZZT4M32 |
|---|---|
| Applications received | 156 |
| Mortgages made | 92 |
| Denied | 25 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 38 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Bay State Savings Bank, 8 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 58 | Not published | $380,000 | 14.7% |
| Refinancing | 8 | Under 10 loans | Under 10 loans | 25.0% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 46.2% |
| Other purposes | 19 | Not published | $85,000 | 24.0% |
Where Bay State Savings Bank lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Worcester County, MA | 71 | Not published | 20.0% |
| Barnstable County, MA | 5 | Under 10 loans | 16.7% |
| Hampden County, MA | 4 | Under 10 loans | 0.0% |
| Middlesex County, MA | 4 | Under 10 loans | 33.3% |
| York County, ME | 2 | Under 10 loans | 0.0% |
| Northeastern Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Cumberland County, ME | 1 | Under 10 loans | 0.0% |
| Hampshire County, MA | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Grafton County, NH | 1 | Under 10 loans | 0.0% |
| Rockingham County, NH | 1 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 0 | Under 10 loans | 100.0% |
| Bristol County, MA | 0 | Under 10 loans | 100.0% |
| Essex County, MA | 0 | Under 10 loans | 100.0% |
| Suffolk County, MA | 0 | Under 10 loans | Not published |
| Newport County, RI | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.