Applications / Mortgage Analytics / Lenders / Massachusetts / Hingham Institution for Savings
Hingham, MA · Savings institution · FDIC · $4.5 billion assets · 118 loans in 2025
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118
loans originated, 2025
152
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hingham Institution for Savings makes few loans, but very large ones: its typical loan of $1.2 million was bigger than at nearly all similar lenders.
Its 118 loans in 2025 came to $235.5 million, against $41.6 million at the typical similar lender (savings institutions making between half and twice as many loans). Its typical loan was $1.2 million, against $245,000. Jumbo loans (larger than the conforming limit) made up 26.0% of its lending, against 2.6%.
Borrowers with low or moderate incomes (LMI) took 7.4% of its loans, among the lowest of similar lenders. Its loan sizes may explain much of that. Yet LMI neighborhoods took 25.0% of its loans, more than at about three-quarters of similar lenders, and majority-minority neighborhoods 28.8%. City markets such as Boston-Cambridge-Newton, where it ranks 97 of 664, are one possible reason.
It made 408 loans in 2021, then 128 in 2023 and 99 in 2024. In 2025 its count rose 19%, against 6% at similar lenders. Its typical loan has doubled since 2020, from $600,000. A shift toward bigger loans could account for the smaller count.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hingham Institution for Savings took 152 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.2% · Refinance 36.4% · Home improvement 2.5% · Other 0.8%
Conventional 100.0% · of 118 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 | 98 | 83.1% |
| District of Columbia | 12 | 10.2% |
| California | 4 | 3.4% |
| Maryland | 4 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 58 |
| Cambridge-Newton-Framingham | 14 |
| Washington | 13 |
| Barnstable Town | 8 |
| San Francisco-San Mateo-Redwood City | 4 |
| Frederick-Gaithersburg-Bethesda | 3 |
| Worcester | 3 |
| Providence-Warwick | 2 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009GDCGUR2T6KU55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 673909 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390211 | 1992–2017 |
Established 2 April 1834. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Hingham Institution for Savings's data.
Hingham Institution for Savings's data
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Hingham 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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