Applications / Mortgage Analytics / Lenders / Massachusetts / Country Bank for Savings
Ware, MA · Savings institution · FDIC · $2.2 billion assets · 533 loans in 2025
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533
loans originated, 2025
731
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Country Bank for Savings is a Massachusetts savings institution ranked 8 of 199 lenders in Amherst Town-Northampton, where its share rose, and it lends to low- and moderate-income (LMI) borrowers more than most similar lenders.
It ranks 8 of 199 lenders in Amherst Town-Northampton, MA, with 3.2% of the market against 2.7% a year before. In Pittsfield, MA it took 0.4%, up from almost none. In Springfield, MA it ranks 18 of 322, with 1.4% against 1.7%; other lenders' growth there is one possible reason.
It made 533 loans against 497, a rise of 7%, near the middle of similar lenders (savings institutions making between half and twice as many loans). Its dollar total rose more, to $167.7 million from $116.5 million, as its typical loan rose to $175,000 from $155,000. Its jumbo share (larger than the conforming limit) fell to 0.4%, lower than about nine in ten similar lenders.
36.7% of its loans went to LMI (low- and moderate-income) borrowers, higher than about nine in ten similar lenders (26.0%). Its shares in LMI areas (13.7%) and majority-minority areas (5.8%) are a little below theirs; the towns it serves may account for that.
Purchases (33.4%), refinances (28.5%) and home improvement (27.6%) are close to even. All its loans are conventional and none was higher-priced (a rate well above the average for similar loans).
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Country Bank for Savings took 731 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 33.4% · Refinance 28.5% · Home improvement 27.6% · Other 10.5%
Conventional 100.0% · of 533 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 | 519 | 97.4% |
| Connecticut | 7 | 1.3% |
| Rhode Island | 7 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 217 |
| Springfield | 165 |
| Amherst Town-Northampton | 106 |
| Cambridge-Newton-Framingham | 10 |
| Providence-Warwick | 10 |
| Boston | 6 |
| Barnstable Town | 4 |
| Hartford-West Hartford-East Hartford | 4 |
| Pittsfield | 4 |
| New Haven | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005NN76XZ2NOFH19 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 689209 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 323992 | 1992–2017 |
Established 1 July 1850. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Country Bank for Savings's data.
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