Applications / Mortgage Analytics / Lenders / Massachusetts / Clinton Savings Bank
Clinton, MA · Savings institution · FDIC · $743 million assets · 67 loans in 2025
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67
loans originated, 2025
94
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Clinton Savings Bank, a Massachusetts savings bank whose largest market is Worcester, made fewer loans for a fourth year running in 2025, but bigger ones.
It made 67 loans, down 36% from 105, while similar lenders (savings institutions making between half and twice as many loans) grew by 2% and the whole market by 10%; its change was among the lowest tenth. It made 242 in 2021 and fewer each year since. It may have chosen to make fewer, bigger loans, or demand in its towns may have fallen; the figures do not show which.
Its typical loan rose to $345,000 from $245,000, against $245,000 at similar lenders, higher than about three in four. Purchases made up 50.7% of its loans and refinances 34.3%; every loan was conventional.
In Worcester it ranks 86 of 451 lenders, and its share fell to 0.2% from 0.5%. Rocket Mortgage, United Wholesale Mortgage and Leader Bank lead there. The lower share follows from its fewer loans.
16.4% of its loans were in majority-minority areas, against 6.7% in 2024 and 7.0% at similar lenders. Its share to low- and moderate-income borrowers, 22.2%, was a little lower than similar lenders' 25.9%; its larger loans may be one reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Clinton Savings Bank took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.7% · Refinance 34.3% · Home improvement 9.0% · Other 6.0%
Conventional 100.0% · of 67 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 | 65 | 97.0% |
| New Hampshire | 2 | 3.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 50 |
| Cambridge-Newton-Framingham | 10 |
| Boston | 4 |
| Barnstable Town | 1 |
| Manchester-Nashua | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008ZGR745OCU3U41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 179700 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390181 | 1992–2017 |
Established 15 May 1851. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Clinton Savings Bank's data.
Clinton Savings Bank's data
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Clinton 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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