Applications / Mortgage Analytics / Lenders / Massachusetts / Newburyport Five Cents Savings Bank
Newburyport, MA · Savings institution · FDIC · $1.6 billion assets · 174 loans in 2025
Newburyport Five Cents Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
174
loans originated, 2025
223
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Newburyport Five Cents Savings Bank makes big loans: its typical one, $495,000, was larger than about nine in ten similar lenders'.
Similar lenders are savings institutions making between half and twice as many loans; their typical loan was $230,000. Jumbo loans (larger than the conforming limit) made up 20.3% of its lending, against 2.5% at its peers, among the highest of them. Five years before, the figure was 11.6%.
Its 174 loans put it near the middle of similar lenders by count. By value it lent $117.9 million, against $51.2 million at its peers, more than about nine in ten of them. Its loan count barely moved while similar lenders grew 6%.
It made 469 loans in 2020 and 396 in 2021, its two biggest years in the record. Those were unusual years, so the fall since then partly reflects a high starting point.
Boston-Cambridge-Newton is its largest market, where it ranked 99 of 664 lenders. Citizens Bank and Leader Bank lead there. Its share in Portland-South Portland rose to 0.1%, and in Barnstable Town it held at 0.1%.
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
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Newburyport Five Cents Savings Bank took 223 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.8% · Refinance 20.1% · Home improvement 9.2% · Other 2.9%
Conventional 100.0% · of 174 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
| State | Loans | Share |
|---|---|---|
| Massachusetts | 103 | 59.2% |
| New Hampshire | 63 | 36.2% |
| Maine | 7 | 4.0% |
| Vermont | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 96 |
| Rockingham County-Strafford County | 50 |
| Portland-South Portland | 6 |
| Boston | 5 |
| Manchester-Nashua | 2 |
| Barnstable Town | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JXG84BHZE66C26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 67209 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390251 | 1992–2017 |
Established 1 April 1854. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Newburyport Five Cents Savings Bank's data.
Newburyport Five Cents Savings Bank's data
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Newburyport Five Cents Savings Bank 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.
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