Institution for Savings in Newburyport and Its Vicinity
Institution for Savings in Newburyport and Its Vicinity received 695 applications in 2025 and made 477 mortgages, in 15 counties across 3 states. The median rate its borrowers got was 6.250% on a median loan of $515,000. Of 549 decisions, 68 were denials — 12.4%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493001QVY14BXG42N39 |
|---|---|
| Applications received | 695 |
| Mortgages made | 477 |
| Denied | 68 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 146 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.42 points |
| FDIC-insured bank | Yes: Institution for Savings in Newburyport and Its Vicinity, 13 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 402 | 6.250% | $545,000 | 8.8% |
| Refinancing | 56 | 6.250% | $385,000 | 29.1% |
| Other purposes | 19 | 6.500% | $155,000 | 24.0% |
Where Institution for Savings in Newburyport and Its Vicinity 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 |
|---|---|---|---|
| Essex County, MA | 281 | 6.250% | 10.8% |
| Middlesex County, MA | 83 | 6.250% | 10.6% |
| Rockingham County, NH | 32 | 6.250% | 15.8% |
| Suffolk County, MA | 30 | 6.125% | 11.1% |
| Norfolk County, MA | 21 | 6.250% | 8.7% |
| Hillsborough County, NH | 10 | 6.375% | 23.1% |
| Carroll County, NH | 6 | Under 10 loans | 33.3% |
| York County, ME | 3 | Under 10 loans | 25.0% |
| Barnstable County, MA | 3 | Under 10 loans | 0.0% |
| Plymouth County, MA | 3 | Under 10 loans | 40.0% |
| Worcester County, MA | 2 | Under 10 loans | 33.3% |
| Belknap County, NH | 1 | Under 10 loans | 0.0% |
| Merrimack County, NH | 1 | Under 10 loans | 0.0% |
| Strafford County, NH | 1 | Under 10 loans | 50.0% |
| Oxford County, ME | 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.