Applications / Mortgage Analytics / Lenders / Massachusetts / Bluestone Bank
Raynham, MA · State member bank · FRS · $1.6 billion assets · 253 loans in 2025
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253
loans originated, 2025
352
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bluestone Bank makes much larger loans than similar banks, with a far higher jumbo share, and its loan count grew faster than most of them in 2025.
Its typical loan of $375,000 is higher than more than nine in ten similar lenders (state member banks making between half and twice as many loans), against $185,000. Jumbo loans (larger than the conforming limit) were 11.3% of its lending, against 1.6%. House prices in the Boston and Providence markets it serves may explain this.
Originations rose 22% to 253, higher than about three in four similar lenders, whose count rose 7%. That follows a fall from 1,717 in 2020, the year it absorbed Mansfield Co-Operative Bank, when its typical rate was 2.88%; higher rates since may account for much of the drop.
19.4% of its loans were in LMI (low- and moderate-income) tracts, higher than about two in three peers and up from 6.1% five years earlier. Its LMI borrower share of 30.8% and majority-minority tract share of 6.7% sit near the middle of similar lenders.
It ranks 92 of 664 lenders around Boston and 84 of 475 around Providence, where its share eased to 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bluestone Bank took 352 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 57.7% · Refinance 30.4% · Home improvement 8.7% · Other 3.2%
Conventional 97.6% · FHA 1.6% · VA 0.8% · of 253 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 | 242 | 95.7% |
| Rhode Island | 11 | 4.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 158 |
| Providence-Warwick | 63 |
| Cambridge-Newton-Framingham | 15 |
| Worcester | 11 |
| Barnstable Town | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GBZNWRGLS7CP89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 699105 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390169 | 1992–2012 |
| Respondent ID (the HMDA filer code before 2018) | 2699105 | 2013–2017 |
Established 19 March 1872. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Bluestone Bank's data.
Bluestone Bank's data
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Bluestone 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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