Applications / Mortgage Analytics / Lenders / Massachusetts / Bay State Savings Bank / Competition
Bay State Savings Bank
Worcester, MA · Savings institution · FDIC · $572 million assets · 92 loans in 2025
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92
loans originated, 2025
156
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Who Bay State Savings Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — WORCESTER, MA, 2025
Bay State Savings Bank ranks 73rd of 451 lenders in Worcester, MA, with $22.2M lent: 0.3% of a $6.86B market.
Worcester, MA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bay State Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 30% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — BOSTON-CAMBRIDGE-NEWTON, MA-NH, 2025
Bay State Savings Bank ranks 436th of 664 lenders in Boston-Cambridge-Newton, MA-NH, with $2.6M lent: 0.0% of a $49.59B market.
Boston-Cambridge-Newton, MA-NH is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bay State Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 34% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — BARNSTABLE TOWN, MA, 2025
Bay State Savings Bank ranks 180th of 369 lenders in Barnstable Town, MA, with $1.6M lent: 0.0% of a $3.30B market.
Barnstable Town, MA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bay State Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — PORTLAND-SOUTH PORTLAND, ME, 2025
Bay State Savings Bank ranks 241st of 364 lenders in Portland-South Portland, ME, with $1.0M lent: 0.0% of a $5.78B market.
Portland-South Portland, ME is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bay State Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 43% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 5 — SPRINGFIELD, MA, 2025
Bay State Savings Bank ranks 183rd of 322 lenders in Springfield, MA, with $900K lent: 0.0% of a $2.23B market.
Springfield, MA is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Bay State Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 40% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 6 — AMHERST TOWN-NORTHAMPTON, MA, 2025
Bay State Savings Bank ranks 132nd of 199 lenders in Amherst Town-Northampton, MA, with $485K lent: 0.1% of a $696.9M market.
Amherst Town-Northampton, MA is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Bay State Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 47% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 7 — NON-METRO CONNECTICUT, 2025
Bay State Savings Bank ranks 275th of 357 lenders in non-metro Connecticut, with $425K lent: 0.0% of a $1.91B market.
non-metro Connecticut is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Bay State Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 33% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 8 — NON-METRO NEW HAMPSHIRE, 2025
Bay State Savings Bank ranks 321st of 386 lenders in non-metro New Hampshire, with $375K lent: 0.0% of a $4.09B market.
non-metro New Hampshire is one of the three markets it entered most recently. Bars: dollars lent by each of the ten largest lenders, and Bay State Savings Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 41% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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