Applications / Mortgage Analytics / Lenders / Massachusetts / Monson Savings Bank
Monson, MA · Savings institution · FDIC · $754 million assets · 216 loans in 2025
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216
loans originated, 2025
275
applications, 2025
9
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Monson Savings Bank made half again as many loans in 2025 as in 2024 and gained share in Springfield, MA, where it now ranks 10 of 322.
Its loans rose 51%, from 143 to 216, while similar lenders (savings institutions making between half and twice as many loans) grew 7%. That was faster than at nine in ten of them. It is still below the 423 and 417 loans it made in 2020 and 2021.
In Springfield its share rose from 1.8% to 2.4%. Westfield Bank, United Wholesale Mortgage and CMG Mortgage lead that market. In Amherst Town-Northampton its share rose from 0.7% to 0.9%, ranking it 23 of 199.
Purchases made up 70.8% of its loans. Its typical loan, $315,000, was larger than at about seven in ten similar lenders, and 5.0% of its loans were jumbo (larger than the conforming limit), against 2.6%.
Majority-minority areas took 13.9% of its loans, against 4.3% at similar lenders, more than at about three in four of them. It turned down 4.3% of home-purchase applications, against 6.4% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Monson Savings Bank took 275 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.8% · Refinance 18.1% · Home improvement 9.7% · Other 1.4%
Conventional 100.0% · of 216 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 | 185 | 85.6% |
| Connecticut | 17 | 7.9% |
| Vermont | 4 | 1.9% |
| Florida | 2 | 0.9% |
| Maine | 2 | 0.9% |
| New Hampshire | 2 | 0.9% |
| South Carolina | 2 | 0.9% |
| New York | 1 | 0.5% |
| Pennsylvania | 1 | 0.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 140 |
| Amherst Town-Northampton | 20 |
| Worcester | 15 |
| Hartford-West Hartford-East Hartford | 14 |
| Pittsfield | 5 |
| Barnstable Town | 2 |
| Portland-South Portland | 2 |
| Charleston-North Charleston | 1 |
| Naples-Marco Island | 1 |
| New Haven | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007H0KZ81N1H6352 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 951102 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390245 | 1992–2017 |
Established 27 March 1872. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Monson Savings Bank's data.
Monson Savings Bank's data
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Monson 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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