Applications / Mortgage Analytics / Lenders / Massachusetts / Rockland Trust Company
Rockland, MA · State non-member bank · FDIC · $24.9 billion assets · 3,419 loans in 2025
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3,419
loans originated, 2025
6,320
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rockland Trust Company, a Massachusetts bank making larger conventional loans than similar banks, grew faster than most of them in 2025, the year it merged with Enterprise Bank and Trust Company.
Loans rose 17% to 3,419, higher than more than two-thirds of similar lenders (state non-member banks making between half and twice as many loans), whose typical growth was 11%. The 2025 merger with Enterprise Bank and Trust Company, whose filings count as this lender's, could account for part of this.
Its typical loan was $255,000 against $205,000 at peers, and jumbo loans (larger than the conforming limit) were 5.8% against 2.5%, higher than more than four in five peers. FHA loans (insured by the Federal Housing Administration) were 0.6% against 4.2%. Only 0.2% of its loans were higher-priced (a rate well above the average for similar loans), against 1.6%.
It ranks 12 of 664 in Boston-Cambridge-Newton. Its share rose 0.6 points to 1.1% in Worcester but eased 0.2 points to 3.1% in Barnstable Town and 0.1 points to 1.1% in Providence-Warwick; gains by competitors such as The Cape Cod Five Cents Savings Bank, first in Barnstable Town, could be one reason.
Low- and moderate-income (LMI) tracts took 18.0% of its loans, against 16.0%, higher than more than two-thirds of peers. LMI borrowers took 28.6%, up from 24.5% and in line with peers, and its majority-minority-tract share, 10.5%, is near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rockland Trust Company took 6,320 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.6% · Home improvement 26.8% · Refinance 26.3% · Other 10.3%
Conventional 99.2% · FHA 0.6% · VA 0.2% · of 3,419 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 | 3,239 | 94.7% |
| New Hampshire | 86 | 2.5% |
| Rhode Island | 53 | 1.6% |
| Maine | 22 | 0.6% |
| Florida | 19 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 1,676 |
| Cambridge-Newton-Framingham | 633 |
| Barnstable Town | 358 |
| Providence-Warwick | 351 |
| Worcester | 158 |
| Manchester-Nashua | 35 |
| Rockingham County-Strafford County | 25 |
| Springfield | 13 |
| Portland-South Portland | 12 |
| Naples-Marco Island | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | TKT6FH38184ZYBTPKS77 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 613008 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39712 | 1992–2017 |
Established 10 September 1907. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Rockland Trust Company's data.
Rockland Trust Company's data
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