Applications / Mortgage Analytics / Lenders / Massachusetts / Cape Ann Savings Bank
Gloucester, MA · Savings institution · FDIC · $1.0 billion assets · 126 loans in 2025
Cape Ann Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
126
loans originated, 2025
154
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Cape Ann Savings Bank makes loans about twice the size of similar savings banks' and lends more often in low- and moderate-income neighborhoods than more than four in five of them.
Its typical loan was $485,000, against $245,000 at similar lenders (savings institutions making between half and twice as many loans). Jumbo loans, those larger than the conforming limit, were 7.8% of its lending, against 2.7%. Purchases made up 61.9% of its loans.
Low- and moderate-income (LMI) neighborhoods took 29.4% of its loans, against 17.0% at similar lenders, up from 23.9% five years before. LMI borrowers took 22.8%, a little below the typical 24.7%.
Originations rose 17% to 126, against typical growth of 6% at similar lenders and 10% in the whole market. That is far short of the 371 it made in 2021. None of its loans were higher-priced, meaning at a rate well above the average for similar loans.
It ranked 127 of 664 lenders in Boston-Cambridge-Newton, where it has lent since 1992. It lends in 6 counties, all in Massachusetts.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Cape Ann Savings Bank took 154 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.9% · Refinance 31.0% · Home improvement 6.3% · Other 0.8%
Conventional 100.0% · of 126 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 | 126 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 117 |
| Boston | 6 |
| Providence-Warwick | 2 |
| Barnstable Town | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XSCD2USU6CQ848 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 627108 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390203 | 1992–2017 |
Established 15 April 1846. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Cape Ann Savings Bank's data.
Cape Ann Savings Bank's data
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Cape Ann Savings 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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