Applications / Mortgage Analytics / Lenders / Massachusetts / North Easton Savings Bank
South Easton, MA · Savings institution · FDIC · $1.8 billion assets · 140 loans in 2025
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140
loans originated, 2025
224
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
North Easton Savings Bank, of South Easton, Massachusetts, lends to poorer borrowers and neighborhoods more than most savings institutions its size, even as its loan count fell 18% in 2025.
Low- and moderate-income (LMI) borrowers took 31.7% of its loans, against 24.7% at similar lenders (savings institutions making between half and twice as many loans). Poorer neighborhoods (LMI tracts) took 22.9%, against 16.9%. Each share was higher than at about seven in ten similar lenders, and each has risen since 2020. Majority-minority neighborhoods took 12.9%, more than twice the 5.5% at similar lenders.
It made 140 loans, down 18%, while similar lenders grew 6% and the whole market 10%. Its dollar total fell to $57.2 million from $77.2 million. Its highest count on record was 687, in 2021, an unusual year to measure against.
Purchases were 42.1% of its loans, refinancing 29.3% and home improvement 24.3%. Jumbo loans (larger than the conforming limit) made up 8.1%, against 2.5% at similar lenders.
Its share of Providence-Warwick fell to 0.1% from 0.2%, ranking it 143 of 475; Citizens Bank leads there. Its smaller volume is one possible reason. In Barnstable Town its share rose to 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. North Easton Savings Bank took 224 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.1% · Refinance 29.3% · Home improvement 24.3% · Other 4.3%
Conventional 100.0% · of 140 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 | 139 | 99.3% |
| Rhode Island | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 90 |
| Providence-Warwick | 41 |
| Barnstable Town | 6 |
| Worcester | 2 |
| Cambridge-Newton-Framingham | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930048J00QUF04FP72 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 527600 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390259 | 1992–2017 |
Established 8 February 1864. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: North Easton Savings Bank's data.
North Easton Savings Bank's data
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North Easton 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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