Applications / Mortgage Analytics / Lenders / Massachusetts / Coastal Heritage Bank
Weymouth, MA · State member bank · FRS · $949 million assets · 74 loans in 2025
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74
loans originated, 2025
90
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Coastal Heritage Bank makes few but large loans: its typical loan of $480,000 was higher than about nine in ten similar lenders', while its volume is a fraction of its 2020 level.
Similar lenders (state member banks making between half and twice as many loans) had a typical loan of $175,000. Coastal Heritage Bank made fewer loans than many of them, 74, yet its $52.9 million in lending was higher than more than four in five. Jumbo loans (larger than the conforming limit) were 15.7% of its loans against 1.8%, which could reflect home prices in its Boston-area markets.
9.6% of its loans were in LMI (low- and moderate-income) areas against 17.0% for similar lenders, lower than more than three-quarters of them, and 21.6% went to LMI borrowers against 27.0%, though up from 13.0%. High home prices and a branch network in a few counties are possible reasons.
Originations rose 3%, against 9% for similar lenders and 10% for the market, and remain far below the 397 of 2020, its highest year since 2018. Its count has also absorbed two mergers, in 2016 and 2019.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Coastal Heritage Bank took 90 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 73.0% · Refinance 23.0% · Home improvement 2.7% · Other 1.4%
Conventional 100.0% · of 74 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 | 74 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 65 |
| Cambridge-Newton-Framingham | 6 |
| Providence-Warwick | 2 |
| Barnstable Town | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300URUSGWHXJ4OZ19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 115575 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326591 | 1992–2012 |
| Respondent ID (the HMDA filer code before 2018) | 2115575 | 2013–2017 |
Established 1 January 1889. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Coastal Heritage Bank's data.
Coastal Heritage Bank's data
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Coastal Heritage 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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