Applications / Mortgage Analytics / Lenders / Massachusetts / Athol Savings Bank
Athol, MA · Savings institution · FDIC · $678 million assets · 75 loans in 2025
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75
loans originated, 2025
119
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Athol Savings Bank lends for home improvement almost as readily as for home purchase, and in 2025 its lending grew in step with the market.
Purchase loans were 41.3% of originations, but home improvement made up 24.0% and other purposes 13.3%. Such loans tend to be small, which may help explain a typical loan of $165,000, below the peer figure of $245,000. Similar lenders here are savings institutions making between half and twice as many loans.
Originations rose from 68 to 75, up 10%, the same as the whole market and faster than the 3% at similar lenders. Yet the bank made 204 loans in 2020 and 243 in 2021, so its 2025 lending was well under half its level of five years before.
Of its loans, 36.7% went to low- and moderate-income (LMI) borrowers, against 24.3% at similar lenders, higher than about four in five of them. Its share in LMI census tracts was near the peer figure.
It bought 17 loans in 2025, up from 6 the year before; most similar lenders bought none. In Worcester, MA, its largest market, it ranked 90 of 451 lenders with a 0.2% share, and it has lent there since 1994.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Athol Savings Bank took 119 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.3% · Home improvement 24.0% · Refinance 21.3% · Other 13.3%
Conventional 100.0% · of 75 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 | 68 | 90.7% |
| New Hampshire | 6 | 8.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 62 |
| Manchester-Nashua | 4 |
| Cambridge-Newton-Framingham | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300BN61BPY0L0H441 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 408307 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390146 | 1994–2017 |
Established 12 February 1867. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Athol Savings Bank's data.
Athol Savings Bank's data
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Athol 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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