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Cambridge Savings Bank

BankCambridge, MAHQDirectReviews near you on Google

We analyzed every closed loan from Cambridge Savings Bank 535 loans across 653 applications— and benchmarked them against peer lenders 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
Strong
4/5
closing strength
Product
Strong
4/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Jumbo Superstar
Jumbo
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 29.30 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

Explore another lender or local market

Report Card

Cambridge Savings Bank performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 29.3 bps below market avg
5/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
461 loans · 0.32% below market
Sound
Top 60% of lenders
3/5
Jumbo
74 loans · 0.13% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
509 loans · 0.28% below market
Strong
Top 40% of lenders
4/5
Refinance
26 loans · 0.65% below market
Acceptable
Bottom 40% of lenders
2/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Sound
Pricing
Exceptional
Pull Through
Strong
Volume461
Mix86.2%
Spread
-0.319%Below
Fees
$855Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume74
Mix13.8%
Spread
-0.132%Below
Fees
$1,052Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume509
Mix95.1%
Spread
-0.275%Below
Fees
$911Fees
Refinance
Overall
Strong
Product
Acceptable
Pricing
Exceptional
Pull Through
Strong
Volume26
Mix4.9%
Spread
-0.649%Below
Fees
$317Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
535
Applications
653
Volume
$331 million
Pricing & Closing
Avg Rate Spread
-0.293%
vs. market APOR
Avg Net Fees
$882
Origination − Credits
Pullthrough Rate
81.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$620,346
Avg Borrower Income
$225,716
Avg Property Value
$854,570

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

2Full-year 2024 · HMDA
2 states with loan originations
Loans originated
< 1010+None
Northeast2
MANH

Top Metro Areas by Place Specialization Score

Volume 270Mix 50.47% of portfolio
84/100
Exceptional
Volume 226Mix 42.24% of portfolio
84/100
Exceptional
Volume 18Mix 3.36% of portfolio
52/100
Sound

Top States by Place Specialization Score

Massachusetts
Massachusetts
1
MassachusettsState
Volume 524Mix 97.94% of portfolio
85/100
Exceptional
New Hampshire
New Hampshire
2
New HampshireState
Volume 11Mix 2.06% of portfolio
42/100
Sound

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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.