Applications / Mortgage Analytics / Lenders / Massachusetts / East Cambridge Savings Bank
Cambridge, MA · State member bank · FRS · $1.6 billion assets · 178 loans in 2025
East Cambridge Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
178
loans originated, 2025
209
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
East Cambridge Savings Bank makes big home-purchase loans, and its lending rose 48% in 2025, faster than at about nine in ten similar lenders.
Its loans rose 48% to 178, against 7% at similar lenders (state member banks making between half and twice as many loans) and 10% for the whole market. It made 411 loans in 2022, then 158 in 2023 and 120 in 2024, so it remains well below its earlier level.
Its typical loan, $505,000, is larger than at about nineteen in twenty similar lenders, where it is $175,000. Jumbo loans (larger than the conforming limit) were 15.9% of its lending, against 1.5% at peers. Purchases were 76.4% of its loans, and all were conventional.
Low- and moderate-income (LMI) neighborhoods took 27.0% of its loans and majority-minority areas 18.5%, against 16.5% and 4.2% at similar lenders. That is more than at about four in five and three in four of them. Its lending in Boston-Cambridge-Newton may account for much of this. Its share to LMI borrowers rose to 30.3% from 20.2%, near the middle.
It turned down 4.0% of home-purchase applications, against 7.3% at similar lenders, lower than at about seven in ten of the 43 with a rate.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. East Cambridge Savings Bank took 209 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.4% · Refinance 14.6% · Home improvement 4.5% · Other 4.5%
Conventional 100.0% · of 178 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 | 168 | 94.4% |
| New Hampshire | 6 | 3.4% |
| Connecticut | 2 | 1.1% |
| Maine | 1 | 0.6% |
| Rhode Island | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 132 |
| Boston | 24 |
| Worcester | 9 |
| Providence-Warwick | 3 |
| Rockingham County-Strafford County | 2 |
| Springfield | 2 |
| Manchester-Nashua | 1 |
| New Haven | 1 |
| Portland-South Portland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549006A34A1F1ZGTT81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 738303 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390173 | 1992–2011 |
| Respondent ID (the HMDA filer code before 2018) | 2738303 | 2012–2017 |
Established 2 April 1854. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: East Cambridge Savings Bank's data.
East Cambridge Savings Bank's data
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East Cambridge 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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