Purchase Originations
546
Ranked #596 nationally
Median Total Costs
$4,459
−33.3% vs national ($6,680)
↑ $258 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,295
Median Lender Credits
$300
Cost Rank (500+ vol.)
#143
among lenders with 500+ originations
Denial Rate
3.3%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 544 | 6.125% | $4,459 | $1,295 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 540 | 6.125% | $4,459 | #22 |
| New Hampshire | 6 | 6.312% | $4,196 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,442 | 6.500% | — | 2 | −$1,017 | |
| 2 | $3,796 | 6.490% | — | 1 | −$663 | |
| 3 | $3,862 | 6.250% | — | 1 | −$597 | |
| 4 | $4,046 | 6.125% | — | 29 | −$413 | |
| 5 | $4,254 | 6.500% | — | 2 | −$205 | |
| 6 | $4,304 | 6.000% | — | 185 | −$155 | |
| 7 | $4,304 | 6.125% | — | 46 | −$155 | |
| 8 | $4,396 | 6.625% | — | 3 | −$63 | |
| 9 | $4,658 | 6.250% | — | 52 | +$199 | |
| 10 | $4,732 | 6.250% | — | 213 | +$273 | |
| 11 | $5,262 | 6.125% | — | 9 | +$803 | |
| 12 | $5,307 | 6.250% | — | 2 | +$848 | |
| 13 | $6,316 | 5.875% | — | 1 | +$1,857 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Cambridge Savings Bank | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $545,000 | $335,000 | +$210,000 (+62.7%) |
| Median total closing costs | $4,459 | $7,127 | −$2,668 (−37.4%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.