SIS BANCORP, MHC
SIS BANCORP, MHC received 416 applications in 2025 and made 337 mortgages, in 23 counties across 4 states. The median rate its borrowers got was 7.500% on a median loan of $215,000. Of 371 decisions, 32 were denials — 8.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DK2AEMKCO4JZ92 |
|---|---|
| Applications received | 416 |
| Mortgages made | 337 |
| Denied | 32 |
| Approved, not taken up | 2 |
| Withdrawn or incomplete | 45 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.31 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 102 | 7.500% | $310,000 | 7.3% |
| Refinancing | 21 | 6.990% | $285,000 | 8.7% |
| Cash-out refinancing | 78 | 7.500% | $205,000 | 2.5% |
| Other purposes | 136 | 7.500% | $135,000 | 12.7% |
Where SIS BANCORP, MHC lends most
The 23 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| York County, ME | 193 | 7.500% | 7.6% |
| Rockingham County, NH | 45 | 7.500% | 2.1% |
| Cumberland County, ME | 22 | 7.500% | 21.4% |
| Strafford County, NH | 18 | 7.105% | 10.0% |
| Hillsborough County, NH | 13 | 7.750% | 0.0% |
| Merrimack County, NH | 7 | Under 10 loans | 0.0% |
| Carroll County, NH | 6 | Under 10 loans | 14.3% |
| Sagadahoc County, ME | 5 | Under 10 loans | 16.7% |
| Essex County, MA | 4 | Under 10 loans | 20.0% |
| Belknap County, NH | 4 | Under 10 loans | 20.0% |
| Androscoggin County, ME | 3 | Under 10 loans | 0.0% |
| Kennebec County, ME | 3 | Under 10 loans | 0.0% |
| Lincoln County, ME | 3 | Under 10 loans | 25.0% |
| Oxford County, ME | 3 | Under 10 loans | 0.0% |
| Franklin County, ME | 2 | Under 10 loans | 0.0% |
| Aroostook County, ME | 1 | Under 10 loans | 0.0% |
| Knox County, ME | 1 | Under 10 loans | 50.0% |
| Somerset County, ME | 1 | Under 10 loans | 0.0% |
| Washington County, ME | 1 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 0.0% |
| Grafton County, NH | 1 | Under 10 loans | 50.0% |
| Penobscot County, ME | 0 | Under 10 loans | Not published |
| Rutland County, VT | 0 | Under 10 loans | Not published |
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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.