Lender in Massachusetts · HMDA 2025
Middlesex Savings Bank mortgages in Massachusetts
Middlesex Savings Bank's 2025 home-purchase and refinance lending in Massachusetts, compared with all lenders in the state.
Middlesex Savings Bank originated 300 owner-occupied single-family loans in Massachusetts from 322 completed applications.
Its median conventional purchase loan costs were $3,840 versus $5,240 for all Massachusetts lenders, at a median 30-year fixed rate of 6.50% (Massachusetts: 6.575%).
Loans in MA
300
of 322 applications
Denial rate
4.3%
Purchase · MA 6.3%
Rate spread
−0.48 pts
Conv. · MA +0.02 pts
Loan amount
$565,000
Purchase · MA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 235 | 224 | 4.3% | 6.500% | −0.48 pts | $3,840 | $565,000 |
| Refinance | 60 | 54 | 8.3% | — | −0.49 pts | $3,100 | $575,000 |
| Cash-out refinance | 27 | 22 | 14.8% | — | −0.56 pts | $2,970 | $505,000 |
*Conventional loans only; medians with at least 20 loans.
Massachusetts counties where Middlesex Savings Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Middlesex County | 23 | 140 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology