Applications / Mortgage Analytics / Lenders / Massachusetts / Cambridge Savings Bank
Cambridge, MA · State non-member bank · FDIC · $6.9 billion assets · 1,060 loans in 2025
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1,060
loans originated, 2025
1,320
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cambridge Savings Bank is a big-loan lender in the Boston area that grew faster than most similar lenders in 2025, while placing more of its loans in low- and moderate-income and majority-minority neighbourhoods than most of them.
Its typical loan of $435,000 was more than double the $185,000 for similar lenders (state non-member banks making between half and twice as many loans), higher than more than nine in ten of them. 16.8% of its loans were jumbo (larger than the conforming limit), against 2.2%. It ranks 20 of 664 in Boston-Cambridge-Newton, a market it has served since before 1990.
Originations rose 18% to 1,060, against 10% for both similar lenders and the whole market, faster than about seven in ten of the group. Volume is still below the 1,370 loans of 2022.
20.2% of its loans were in LMI (low- and moderate-income) tracts, against 14.8%, and 17.6% in majority-minority tracts, against 6.9%, both higher than about four in five similar lenders; the second is up from 7.2% five years ago. Its share to LMI borrowers, 22.6%, was lower than the group's 27.1%, which its large loans could explain.
Its typical rate of 6.49% was lower than about seven in ten similar lenders' (6.75%). It turned down 3.7% of first-lien home-purchase applications on owner-occupied homes, against 5.9%, lower than about three in four similar lenders. Its large conventional loans may account for both.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cambridge Savings Bank took 1,320 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.1% · Refinance 21.3% · Home improvement 7.1% · Other 6.5%
Conventional 99.8% · VA 0.2% · of 1,060 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 | 1,037 | 97.8% |
| New Hampshire | 23 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 599 |
| Boston | 361 |
| Worcester | 47 |
| Barnstable Town | 15 |
| Providence-Warwick | 8 |
| Rockingham County-Strafford County | 8 |
| Manchester-Nashua | 7 |
| Springfield | 2 |
| Amherst Town-Northampton | 1 |
| Pittsfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FHGNOLF14HHS09 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 758703 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317870 | 1992–2017 |
Established 2 April 1834. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Cambridge Savings Bank's data.
Cambridge Savings Bank's data
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Cambridge 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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