Applications / Mortgage Analytics / Lenders / Massachusetts / Avidia Bank
Hudson, MA · Savings institution · FDIC · $2.8 billion assets · 187 loans in 2025
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187
loans originated, 2025
245
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Avidia Bank, a Massachusetts savings bank, makes far fewer mortgages than it once did, but bigger ones.
Its typical loan was $425,000, against $225,000 at similar lenders (savings institutions making between half and twice as many loans). Jumbo loans (larger than the conforming limit) made up 11.6% of its lending, against 2.5%. So its 187 loans added up to $102.1 million, about double peers' $52.2 million.
It made 437 loans in 2023 and 187 in 2024, then the same number again in 2025. Similar lenders grew 7% in 2025 and the market 10%. Its dollar total still rose, to $102.1 million from $91.1 million, as its typical loan grew. A narrower focus on larger purchase loans is one possible reason for the lower count.
Borrowers with low and moderate incomes (LMI) took 16.0% of its loans, against 24.8% at similar lenders, lower than at about five in six of them. Its large loans and its tilt toward purchases, 56.7% of lending, are possible reasons. Majority-minority areas took 10.7%, against 4.6%.
In Worcester it ranked 46 of 451 lenders, with 0.5% of the market, down from 0.7%. Its own count held steady while the market grew. In Boston-Cambridge-Newton it ranked 156 of 664; Citizens Bank and Leader Bank led there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Avidia Bank took 245 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.7% · Refinance 29.9% · Home improvement 11.8% · Other 1.6%
Conventional 100.0% · of 187 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 | 169 | 90.4% |
| New Hampshire | 7 | 3.7% |
| Rhode Island | 6 | 3.2% |
| Connecticut | 2 | 1.1% |
| Maine | 2 | 1.1% |
| Florida | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 84 |
| Cambridge-Newton-Framingham | 60 |
| Boston | 22 |
| Providence-Warwick | 7 |
| Manchester-Nashua | 5 |
| Barnstable Town | 2 |
| Naples-Marco Island | 1 |
| Portland-South Portland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SZBQMYMAL3OM08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 619701 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390215 | 1992–2017 |
Established 26 February 1869. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Avidia Bank's data.
Avidia Bank's data
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