Applications / Mortgage Analytics / Lenders / Massachusetts / BayCoast Bank
Swansea, MA · Savings institution · FDIC · $2.8 billion assets · 717 loans in 2025
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717
loans originated, 2025
936
applications, 2025
15
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BayCoast Bank is a Massachusetts savings bank that buys more loans than it makes and lends far more on manufactured homes than similar lenders; its originations rose 38% in 2025.
It bought 1,002 loans in 2025, more than the 717 it made, where the typical similar lender (savings institutions making between half and twice as many loans) bought none. It bought 945 in 2024 and 2,924 in 2020. Its own lending reached 15 states, with new markets in 2024 and 2025 in Ohio and Idaho.
Manufactured homes were 8.8% of its loans, against 0.1% at peers, higher than nearly all of them. Home improvement made up 32.2% of its lending and other purposes 24.0%, and its typical loan, $125,000, was smaller than nine in ten peers' ($235,000).
Higher-priced loans (a rate well above the average for similar loans) were 9.4% of its lending, against 0.2% at peers, down from 18.8% in 2024. Its manufactured-home share, almost as large, could account for most of that, since such loans are usually priced higher than loans on site-built homes; its large home-improvement and other-purpose share may add to it.
Originations rose 38%, against 6% at the typical similar lender and 10% for the whole market, faster than about nine in ten similar lenders. In Providence-Warwick its share rose 0.4 points to 1.1%, ranking 26 of 475.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BayCoast Bank took 936 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 32.2% · Refinance 26.1% · Other 24.0% · Purchase 17.7%
Conventional 100.0% · of 717 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 | 496 | 69.2% |
| Rhode Island | 164 | 22.9% |
| Connecticut | 14 | 2.0% |
| New Hampshire | 6 | 0.8% |
| Arizona | 5 | 0.7% |
| New Jersey | 5 | 0.7% |
| New York | 5 | 0.7% |
| Florida | 4 | 0.6% |
| Idaho | 4 | 0.6% |
| Oregon | 3 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Providence-Warwick | 528 |
| Boston | 71 |
| Cambridge-Newton-Framingham | 19 |
| Worcester | 13 |
| Barnstable Town | 8 |
| Springfield | 7 |
| Hartford-West Hartford-East Hartford | 4 |
| Kiryas Joel-Poughkeepsie-Newburgh | 4 |
| Phoenix-Mesa-Chandler | 4 |
| Boise City | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OTLWFQPOOSC346 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 771609 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390196 | 1992–2017 |
Established 15 November 1851. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: BayCoast Bank's data.
BayCoast Bank's data
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BayCoast 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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