What loan types does Institution for Savings in Newburyport and Its Vicinity offer?

Institution for Savings in Newburyport and Its Vicinity offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

What type of lender is Institution for Savings in Newburyport and Its Vicinity?

Institution for Savings in Newburyport and Its Vicinity is a Bank headquartered in Newburyport, MA.

Unclaimed

Institution for Savings in Newburyport and Its Vicinity

Bank•Newburyport, MAHQ•Direct•Reviews near you on Google

Institution for Savings in Newburyport and Its Vicinity has 348 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Ratings· each scored 1–5 against peer lenders

Pricing

Exceptional

5/5

vs. all lenders

Pull-through

Sound

3/5

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

Awards

Conventional

Superstar

Jumbo

Superstar

Purchase

Superstar

Summary

What They Do Well

Offers rates 37.70 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Institution for Savings in Newburyport and Its Vicinity performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Exceptional

Rates 37.7 bps below market avg

5/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

301 loans · 0.39% below market

Sound

Top 60% of lenders

3/5

Jumbo

47 loans · 0.29% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

306 loans · 0.35% below market

Sound

Top 60% of lenders

3/5

Refinance

42 loans · 0.55% below market

Sound

Top 60% of lenders

3/5

By Location· Geographic coverage

Geographic Reach

Regional · 3 markets

Strong

Top 40% of lenders

4/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Sound	Exceptional	Sound	301	86.5%	-0.388%Below	$975Fees
Jumbo Loans	Strong	Strong	Exceptional	Sound	47	13.5%	-0.292%Below	$1,740Fees

Conventional

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume301

Mix86.5%

Spread

-0.388%Below

Fees

$975Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing

Exceptional

Pull Through

Sound

Volume47

Mix13.5%

Spread

-0.292%Below

Fees

$1,740Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Sound	Exceptional	Sound	306	87.9%	-0.354%Below	$1,035Fees
Refinance	Sound	Sound	Strong	Sound	42	12.1%	-0.548%Below	$1,289Fees

Purchase

Overall

Strong

Product

Sound

Pricing

Exceptional

Pull Through

Sound

Volume306

Mix87.9%

Spread

-0.354%Below

Fees

$1,035Fees

Refinance

Overall

Sound

Product

Sound

Pricing

Strong

Pull Through

Sound

Volume42

Mix12.1%

Spread

-0.548%Below

Fees

$1,289Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

348

Applications

527

Volume

$196 million

Pricing & Closing

Avg Rate Spread

-0.377%

vs. market APOR

Avg Net Fees

$1,065

Origination − Credits

Pullthrough Rate

66.0%

Applications → Closed

Typical Borrower

Avg Loan Amount

$563,477

Avg Borrower Income

$263,221

Avg Property Value

$851,408

Geographic Coverage

Geographic Performance

Metro Areas

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Strong

4/5

States with Loan Originations

3Full-year 2024 · HMDA

Loans originated

< 5050+None

Northeast3

MEMANH

Top Metro Areas by Place Specialization Score

Cambridge, MAMetro

Volume 255Mix 73.28% of portfolio

84/100

Exceptional

Rockingham County, NHMetro

Volume 32Mix 9.20% of portfolio

62/100

Strong

Boston, MAMetro

Volume 37Mix 10.63% of portfolio

60/100

Sound

Top States by Place Specialization Score

MassachusettsState

Volume 300Mix 86.21% of portfolio

79/100

Strong

New HampshireState

Volume 44Mix 12.64% of portfolio

62/100

Strong

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(80%+ = 40-50 points)

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.

Looking for a different lender?

Are you the owner of Institution for Savings in Newburyport and Its Vicinity?

Claim this profile to add your business logo, highlight verified loan officers, collect verified reviews, and customize your marketing presence.

Claim this Profile

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.