Needham Bank
Needham Bank received 860 applications in 2025 and made 562 mortgages, in 31 counties across 9 states. The median rate its borrowers got was 7.000% on a median loan of $375,000. Of 711 decisions, 141 were denials — 19.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493000NZZZU3GFIYL71 |
|---|---|
| Applications received | 860 |
| Mortgages made | 562 |
| Denied | 141 |
| Approved, not taken up | 8 |
| Withdrawn or incomplete | 149 |
| Loans bought from other lenders | 54 |
| Median rate spread over the prime offer rate | -0.24 points |
| FDIC-insured bank | Yes: Needham Bank, 22 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 167 | 6.625% | $665,000 | 8.6% |
| Refinancing | 159 | 7.000% | $465,000 | 20.4% |
| Other purposes | 236 | 7.000% | $235,000 | 25.9% |
Where Needham Bank lends most
The 31 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Norfolk County, MA | 273 | 7.000% | 15.9% |
| Middlesex County, MA | 146 | 7.000% | 19.7% |
| Suffolk County, MA | 49 | 7.000% | 29.0% |
| Essex County, MA | 27 | 7.000% | 29.0% |
| Barnstable County, MA | 15 | 7.000% | 16.7% |
| Plymouth County, MA | 14 | 6.938% | 30.0% |
| Bristol County, MA | 12 | 6.313% | 20.0% |
| Worcester County, MA | 12 | 7.000% | 14.3% |
| Dukes County, MA | 2 | Under 10 loans | 0.0% |
| Nantucket County, MA | 2 | Under 10 loans | 0.0% |
| Rockingham County, NH | 2 | Under 10 loans | 0.0% |
| Washington County, RI | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Lincoln County, ME | 1 | Under 10 loans | 0.0% |
| Strafford County, NH | 1 | Under 10 loans | 0.0% |
| Bristol County, RI | 1 | Under 10 loans | 0.0% |
| Cleburne County, AR | 0 | Under 10 loans | 100.0% |
| Arapahoe County, CO | 0 | Under 10 loans | 100.0% |
| South Central Connecticut Planning Region, CT | 0 | Under 10 loans | Not published |
| Broward County, FL | 0 | Under 10 loans | 100.0% |
| Hillsborough County, FL | 0 | Under 10 loans | 100.0% |
| Orange County, FL | 0 | Under 10 loans | Not published |
| Pinellas County, FL | 0 | Under 10 loans | Not published |
| Hampden County, MA | 0 | Under 10 loans | Not published |
| Carroll County, NH | 0 | Under 10 loans | Not published |
| Grafton County, NH | 0 | Under 10 loans | 100.0% |
| Hillsborough County, NH | 0 | Under 10 loans | 100.0% |
| Merrimack County, NH | 0 | Under 10 loans | 100.0% |
| Providence County, RI | 0 | Under 10 loans | Not published |
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When Needham Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.