Applications / Mortgage Analytics / Lenders / Massachusetts / Dean Co-Operative Bank
Franklin, MA · Savings institution · FDIC · $489 million assets · 119 loans in 2025
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119
loans originated, 2025
177
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dean Co-Operative Bank, a small Massachusetts savings institution, lends almost as much for refinancing and home improvement as for purchases, and it grew a little in 2025.
Home purchases made up 36.1% of its loans, refinances 34.5%, home improvement 18.5% and other purposes 10.9%. Every loan was conventional, as at the typical similar lender (savings institutions making between half and twice as many loans). Its typical loan was $215,000, against $245,000 at its peers.
It made 119 loans, up 3%, while similar lenders grew 7% and the whole market 10%. It made 439 loans in 2020 and 358 in 2021, and between 115 and 161 a year since 2022.
Borrowers with low or moderate incomes (LMI) took 23.0% of its loans, close to the 24.7% at similar lenders and a little below the middle of them. The share was 23.8% in both 2024 and 2020.
It has reported since 1992 and lends mainly in and around Boston, Worcester and Providence. It ranked 263 of 664 lenders in Boston-Cambridge-Newton, where Citizens Bank led. In Worcester it ranked 110 of 451 and in Providence-Warwick 168 of 475, with 0.1% of each, unchanged from 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dean Co-Operative Bank took 177 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.1% · Refinance 34.5% · Home improvement 18.5% · Other 10.9%
Conventional 100.0% · of 119 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 | 106 | 89.1% |
| Rhode Island | 13 | 10.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 51 |
| Worcester | 44 |
| Providence-Warwick | 17 |
| Barnstable Town | 4 |
| Cambridge-Newton-Framingham | 2 |
| Amherst Town-Northampton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DASRDHPPEK5V15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 271275 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 327269 | 1992–2017 |
Established 1 January 1889. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Dean Co-Operative Bank's data.
Dean Co-Operative Bank's data
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Dean Co-Operative 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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