Purchase Originations
388
Median Total Costs
$4,608
−31.0% vs national ($6,680)
↑ $843 vs prior year
Median Rate
6.250%
−3.7% vs national (6.490%)
↓ 0.125% vs prior year
Median Origination
$1,200
Median Lender Credits
$600
Denial Rate
6.5%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 388 | 6.250% | $4,608 | $1,200 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Massachusetts | 347 | 6.250% | $4,625 | #32 |
| New Hampshire | 40 | 6.250% | $4,378 | — |
| Maine | 1 | 6.375% | $4,788 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $3,080 | 6.500% | — | 1 | −$1,528 | |
| 2 | $4,023 | 6.375% | — | 9 | −$585 | |
| 3 | $4,421 | 6.250% | — | 28 | −$187 | |
| 4 | $4,570 | 6.250% | — | 223 | −$38 | |
| 5 | $4,683 | 6.250% | — | 73 | +$75 | |
| 6 | $4,788 | 6.375% | — | 1 | +$180 | |
| 7 | $4,937 | 6.125% | — | 30 | +$329 | |
| 8 | $5,014 | 6.250% | — | 19 | +$406 | |
| 9 | $7,158 | 5.500% | — | 1 | +$2,550 | |
| 10 | $8,820 | 5.990% | — | 1 | +$4,212 | |
| 11 | $18,382 | 5.990% | — | 1 | +$13,774 | |
| 12 | $19,345 | 5.500% | — | 1 | +$14,737 |
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 | Institution for Savings in Newburyport and Its Vicinity | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $545,000 | $335,000 | +$210,000 (+62.7%) |
| Median total closing costs | $4,608 | $7,127 | −$2,519 (−35.3%) |
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.