What loan types does Middlesex Savings Bank offer?

Middlesex Savings Bank offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing score and performance metrics.

Where does Middlesex Savings Bank offer mortgages?

Middlesex Savings Bank offers mortgages in 1 states: MA.

How competitive are Middlesex Savings Bank's mortgage rates?

Middlesex Savings Bank has an overall pricing score of 75.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Middlesex Savings Bank?

Middlesex Savings Bank is a Bank headquartered in Natick, MA.

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Middlesex Savings Bank

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Middlesex Savings Bank has 87 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

Strong

4/5

vs. all lenders

Pull-through

Sound

3/5

closing strength

Product

Strong

4/5

Conventional · Jumbo

Place

Strong

4/5

Single State · 3 mkts

Promptness

Not enough data

—/5

No quote responses measured yet

Summary

What They Do Well

Offers rates 1.60 basis points below market average
Lower than average lender fees

Explore another lender or local market

Report Card

Middlesex Savings Bank performance at a glance

Overall Performance· Pricing & closing strength

Pricing

Rate competitiveness

Strong

Rates 1.6 bps below market avg

4/5

Pull Through

Closing strength

Sound

Top 60% of lenders

3/5

By Loan Product· Specialization by type

Conventional

74 loans · 0.01% below market

Acceptable

Bottom 40% of lenders

2/5

Jumbo

13 loans · 0.03% below market

Strong

Top 40% of lenders

4/5

By Loan Purpose· Transaction purpose mix

Purchase

77 loans · 0.02% below market

Acceptable

Bottom 40% of lenders

2/5

Refinance

10 loans · 0.01% above market

Acceptable

Bottom 40% of lenders

2/5

By Location· Geographic coverage

Geographic Reach

Single State · 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	Sound	Acceptable	Strong	Sound	74	85.1%	-0.015%Below	$637Fees
Jumbo Loans	Strong	Strong	—	—	13	14.9%	-0.028%Below	$716Fees

Conventional

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume74

Mix85.1%

Spread

-0.015%Below

Fees

$637Fees

Jumbo Loans

Overall

Strong

Product

Strong

Pricing—

Pull Through—

Volume13

Mix14.9%

Spread

-0.028%Below

Fees

$716Fees

Loan Purpose Performance

Performance by Loan Purpose

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Sound	Acceptable	Strong	Sound	77	88.5%	-0.020%Below	$655Fees
Refinance	Acceptable	Acceptable	—	—	10	11.5%	+0.013%Above	$551Fees

Purchase

Overall

Sound

Product

Acceptable

Pricing

Strong

Pull Through

Sound

Volume77

Mix88.5%

Spread

-0.020%Below

Fees

$655Fees

Refinance

Overall

Acceptable

Product

Acceptable

Pricing—

Pull Through—

Volume10

Mix11.5%

Spread

+0.013%Above

Fees

$551Fees

At a Glance

Lender Overview

Lending Activity

Loans Originated

Applications

110

Volume

$48 million

Pricing & Closing

Avg Rate Spread

-0.016%

vs. market APOR

Avg Net Fees

$645

Origination − Credits

Pullthrough Rate

79.1%

Applications → Closed

Typical Borrower

Avg Loan Amount

$556,954

Avg Borrower Income

$218,586

Avg Property Value

$859,253

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

1Full-year 2024 · HMDA

Loans originated

All statesNone

Northeast1

Top Metro Areas by Place Specialization Score

Cambridge, MAMetro

Volume 36Mix 41.38% of portfolio

63/100

Strong

Worcester, MAMetro

Volume 22Mix 25.29% of portfolio

61/100

Strong

Boston, MAMetro

Volume 25Mix 28.74% of portfolio

58/100

Sound

Top States by Place Specialization Score

MassachusettsState

Volume 87Mix 100.00% of portfolio

69/100

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.

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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.