Dedham Institution for Savings
Dedham Institution for Savings received 373 applications in 2025 and made 311 mortgages, in 15 counties across 4 states. The median rate its borrowers got was 6.375% on a median loan of $565,000. Of 334 decisions, 14 were denials — 4.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300RS5LTZ0JDZYI59 |
|---|---|
| Applications received | 373 |
| Mortgages made | 311 |
| Denied | 14 |
| Approved, not taken up | 9 |
| Withdrawn or incomplete | 39 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.131 points |
| FDIC-insured bank | Yes: Dedham Institution for Savings, 15 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 216 | 6.125% | $605,000 | 2.2% |
| Refinancing | 25 | 6.375% | $495,000 | 3.7% |
| Cash-out refinancing | 31 | 6.500% | $455,000 | 18.0% |
| Other purposes | 39 | 7.500% | $445,000 | 2.4% |
Where Dedham Institution for Savings lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Norfolk County, MA | 123 | 6.250% | 5.3% |
| Suffolk County, MA | 60 | 6.625% | 6.0% |
| Middlesex County, MA | 47 | 6.375% | 3.9% |
| Plymouth County, MA | 35 | 6.125% | 0.0% |
| Bristol County, MA | 14 | 6.000% | 0.0% |
| Barnstable County, MA | 9 | Under 10 loans | 0.0% |
| Worcester County, MA | 7 | Under 10 loans | 12.5% |
| Essex County, MA | 5 | Under 10 loans | 0.0% |
| York County, ME | 3 | Under 10 loans | 0.0% |
| Providence County, RI | 3 | Under 10 loans | 0.0% |
| Carroll County, NH | 1 | Under 10 loans | 0.0% |
| Grafton County, NH | 1 | Under 10 loans | 0.0% |
| Merrimack County, NH | 1 | Under 10 loans | 0.0% |
| Rockingham County, NH | 1 | Under 10 loans | 0.0% |
| Newport County, RI | 1 | Under 10 loans | 0.0% |
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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.