Applications / Mortgage Analytics / Lenders / Massachusetts / Dedham Institution for Savings
Dedham, MA · Savings institution · FDIC · $2.6 billion assets · 311 loans in 2025
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311
loans originated, 2025
373
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Dedham Institution for Savings makes big loans: its typical loan in 2025 was $565,000, more than twice the $215,000 at similar lenders.
Jumbo loans, those larger than the conforming limit, made up 21.3% of its lending. At similar lenders, savings institutions making between half and twice as many loans, the figure was 2.2%. Its loans were larger than at nearly all of them, so it lent $297.3 million, more than three times peers' $82.2 million. Purchases were 69.5% of its loans.
Borrowers with low and moderate incomes (LMI) took 13.9% of its loans, against 24.7% at similar lenders, lower than at more than nine in ten. One possible reason is its focus on large purchase loans, which tend to go to higher earners. Neighborhoods where most residents are minorities took 6.1%, close to peers' 4.2%.
It turned down 2.5% of purchase applications, against 5.9% at similar lenders. Its typical rate, 6.38%, was lower than peers' 6.62%, and it made no higher-priced loans (a rate well above the average for similar loans).
It made 981 loans in 2020 and 797 in 2021. Since 2023 it has made between 295 and 366 a year. In 2025 its loans rose 5%, close to the 6% at similar lenders. In Boston-Cambridge-Newton it ranked 47 of 664 lenders; Citizens Bank led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Dedham Institution for Savings took 373 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.5% · Refinance 18.0% · Home improvement 7.7% · Other 4.8%
Conventional 100.0% · of 311 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 | 300 | 96.5% |
| New Hampshire | 4 | 1.3% |
| Rhode Island | 4 | 1.3% |
| Maine | 3 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 218 |
| Cambridge-Newton-Framingham | 52 |
| Providence-Warwick | 18 |
| Barnstable Town | 9 |
| Worcester | 7 |
| Portland-South Portland | 3 |
| Rockingham County-Strafford County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RS5LTZ0JDZYI59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 193809 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 323620 | 1992–2017 |
Established 19 March 1831. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Dedham Institution for Savings's data.
Dedham Institution for Savings's data
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Dedham Institution for Savings 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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