Applications / Mortgage Analytics / Lenders / Massachusetts / North Brookfield Savings Bank
North Brookfield, MA · State member bank · FRS · $442 million assets · 43 loans in 2025
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43
loans originated, 2025
57
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North Brookfield Savings Bank grew in 2025, faster than more than half of similar lenders, but its home lending remains a fraction of the 190 loans it made in 2020.
Originations rose 16% to 43, faster than the 6% for similar lenders (state member banks making between half and twice as many loans) and the 10% for the whole market. Five years earlier it made 190 loans worth $39.9 million; the drop to 44 in 2023 could reflect less refinancing after 2021, or a choice to make fewer loans.
Its typical loan of $145,000 was lower than about three in four similar lenders', against $185,000 for the group, and it made no jumbo loans (larger than the conforming limit). It holds about 0.1% of the Worcester and Springfield markets, ranking 139 in each, and has been in both since 1992. That is the profile of a local savings bank lending close to home.
4.7% of its loans were in LMI (low- and moderate-income) tracts, against 17.6% for similar lenders, among the lowest tenth, and none were in majority-minority tracts. With 43 loans, two or three loans move this share, and the towns it serves may simply have few such tracts. Its share to LMI borrowers, 18.4%, was closer to the group's 24.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. North Brookfield Savings Bank took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 30.2% · Refinance 30.2% · Other 20.9% · Home improvement 18.6%
Conventional 100.0% · of 43 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 | 43 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 31 |
| Springfield | 7 |
| Amherst Town-Northampton | 4 |
| Barnstable Town | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WN3VU197CXJH44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 528102 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390258 | 1992–2010 |
| Respondent ID (the HMDA filer code before 2018) | 2528102 | 2011–2017 |
Established 3 August 1854. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: North Brookfield Savings Bank's data.
North Brookfield Savings Bank's data
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North Brookfield 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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