The Lowell Five Cent Savings Bank
The Lowell Five Cent Savings Bank received 226 applications in 2025 and made 174 mortgages, in 16 counties across 4 states. The median rate its borrowers got was Not published on a median loan of $610,000. Of 201 decisions, 16 were denials — 8.0%.
| Legal Entity Identifier | 254900F213LCBO4VGA06 |
|---|---|
| Applications received | 226 |
| Mortgages made | 174 |
| Denied | 16 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 25 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Lowell Five Cent Savings Bank, 15 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 102 | Not published | $675,000 | 7.0% |
| Refinancing | 51 | Not published | $655,000 | 6.9% |
| Other purposes | 21 | Not published | $105,000 | 14.3% |
Where The Lowell Five Cent Savings Bank lends most
The 16 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Middlesex County, MA | 72 | Not published | 11.2% |
| Essex County, MA | 46 | Not published | 7.8% |
| Hillsborough County, NH | 17 | Not published | 10.0% |
| Worcester County, MA | 11 | Not published | 0.0% |
| Rockingham County, NH | 9 | Under 10 loans | 0.0% |
| Suffolk County, MA | 5 | Under 10 loans | 0.0% |
| Norfolk County, MA | 3 | Under 10 loans | 0.0% |
| Belknap County, NH | 3 | Under 10 loans | 0.0% |
| Cheshire County, NH | 2 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Palm Beach County, FL | 1 | Under 10 loans | 0.0% |
| York County, ME | 1 | Under 10 loans | 0.0% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Plymouth County, MA | 1 | Under 10 loans | 0.0% |
| Strafford County, NH | 1 | Under 10 loans | 0.0% |
| Grafton County, NH | 0 | Under 10 loans | Not published |
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When The Lowell Five Cent Savings 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.