Big loans
Its typical loan was $515,000, against $215,000 at similar lenders (savings institutions making between half and twice as many loans), larger than at more than nine in ten of them. Every loan was conventional, and 84.3% were to buy homes.
Applications / Mortgage Analytics / Lenders / Massachusetts / Institution for Savings in Newburyport and ITS Vicinity
Institution for Savings in Newburyport and ITS Vicinity
Newburyport, MA · Savings institution · FDIC · $5.4 billion assets · 477 loans in 2025
Institution for Savings in Newburyport and ITS Vicinity's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
477
loans originated, 2025
695
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Institution for Savings in Newburyport and ITS Vicinity makes home loans more than twice the size of similar lenders', and in 2025 its lending grew again after three years of decline.
Growing again
It made 477 loans, up 17% from 406, while similar lenders typically grew by 4%. That is still far below the 1,638 it made in 2021. The figures do not show why its lending fell.
Fewer modest earners
Low- and moderate-income (LMI) borrowers took 15.4% of its loans, against 26.3% at similar lenders, among the lowest eighth. Its large loans, which may suit higher-income buyers, and its focus on purchases are possible reasons. Its share in LMI neighborhoods was closer to its peers'.
Lower rates
Its typical rate was 6.25%, lower than at about nine in ten similar lenders, where it was 6.62%. None of its loans were higher-priced (a rate well above the average for similar loans).
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
477 loans in 2025, against a peak of 1,638 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Institution for Savings in Newburyport and ITS Vicinity took 695 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
84.3% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 84.3% · Refinance 11.7% · Other 2.5% · Home improvement 1.5%
Conventional 100.0% · of 477 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
3 states, 7 metros, 14 counties
| State | Loans | Share |
|---|---|---|
| Massachusetts | 423 | 88.7% |
| New Hampshire | 51 | 10.7% |
| Maine | 3 | 0.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 364 |
| Boston | 54 |
| Rockingham County-Strafford County | 33 |
| Manchester-Nashua | 10 |
| Barnstable Town | 3 |
| Portland-South Portland | 3 |
| Worcester | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001QVY14BXG42N39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 272302 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390250 | 1992–2017 |
Established 1 January 1820. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Institution for Savings in Newburyport and ITS Vicinity's data.
The data and the software behind these pages
Institution for Savings in Newburyport and ITS Vicinity's data
$215
Institution for Savings in Newburyport and ITS Vicinity and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Institution for Savings in Newburyport and ITS Vicinity's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]