Middlesex Savings Bank
Middlesex Savings Bank received 1,455 applications in 2025 and made 1,177 mortgages, in 14 counties across 3 states. The median rate its borrowers got was 6.625% on a median loan of $265,000. Of 1,333 decisions, 137 were denials — 10.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | VMDPCBOQ43W3PZTYZL93 |
|---|---|
| Applications received | 1,455 |
| Mortgages made | 1,177 |
| Denied | 137 |
| Approved, not taken up | 19 |
| Withdrawn or incomplete | 122 |
| Loans bought from other lenders | 1 |
| Median rate spread over the prime offer rate | -0.3 points |
| FDIC-insured bank | Yes: Middlesex Savings Bank, 35 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 364 | 5.750% | $505,000 | 5.4% |
| Refinancing | 280 | 6.750% | $305,000 | 10.4% |
| Cash-out refinancing | 23 | 5.500% | $505,000 | 14.3% |
| Other purposes | 510 | 7.000% | $125,000 | 13.1% |
Where Middlesex Savings Bank lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Middlesex County, MA | 634 | 6.750% | 8.9% |
| Norfolk County, MA | 194 | 6.750% | 12.0% |
| Worcester County, MA | 176 | 6.500% | 8.8% |
| Suffolk County, MA | 48 | 5.750% | 12.7% |
| Barnstable County, MA | 41 | 5.750% | 4.6% |
| Essex County, MA | 31 | 6.625% | 15.8% |
| Plymouth County, MA | 24 | 6.500% | 25.0% |
| Bristol County, MA | 22 | 6.563% | 21.4% |
| Providence County, RI | 4 | Under 10 loans | 0.0% |
| Dukes County, MA | 2 | Under 10 loans | 0.0% |
| Berkshire County, MA | 1 | Under 10 loans | 0.0% |
| Hampden County, MA | 0 | Under 10 loans | Not published |
| Nantucket County, MA | 0 | Under 10 loans | 100.0% |
| Hillsborough County, NH | 0 | Under 10 loans | Not published |
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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.