Applications / Mortgage Analytics / Lenders / Massachusetts / Bank of Easton
North Easton, MA · State member bank · FRS · $245 million assets · 87 loans in 2025
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87
loans originated, 2025
105
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Easton, a Massachusetts bank, lends as much for home improvement as for home purchase, and in 2025 it made more loans than in any year it has reported since 2018.
It made 87 loans, up 335%, the fastest growth among similar lenders (state member banks making between half and twice as many loans), which grew by 8%. Its dollar total rose to $27.0 million from $8.2 million. But 2024 was a thin year of only 20 loans, against 49 in 2018 and 37 in 2023, so the percentage means little. The data do not show why lending rose.
Home improvement and home purchase each took 33.3% of its loans, and refinances 29.9%, all conventional. Its typical loan, $205,000, was higher than at about three in five peers, whose typical loan was $175,000.
Low- and moderate-income (LMI) borrowers took 22.9% of its loans, against 27.2% at peers, and LMI neighborhoods 8.1%, against 16.5%, lower than at most similar lenders. Its nine counties may hold fewer such neighborhoods and borrowers. In majority-minority neighborhoods, at 6.9%, it was near the middle.
In Providence-Warwick it ranked 137 of 475 lenders with 0.1%, up 0.1 points. In Boston-Cambridge-Newton it ranked 284 of 664. Citizens Bank led both. It has reported since 1992.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Bank of Easton took 105 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 33.3% · Purchase 33.3% · Refinance 29.9% · Other 3.4%
Conventional 100.0% · of 87 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 | 85 | 97.7% |
| Rhode Island | 2 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Providence-Warwick | 50 |
| Boston | 30 |
| Barnstable Town | 4 |
| Cambridge-Newton-Framingham | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900MFGTAZXMCELW10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 956376 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326554 | 1992–2003 |
| Respondent ID (the HMDA filer code before 2018) | 2956376 | 2004–2017 |
Established 1 January 1889. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Bank of Easton's data.
Bank of Easton's data
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