Applications / Mortgage Analytics / Lenders / Massachusetts / Colonial Federal Savings Bank
Quincy, MA · Savings institution · OCC · $359 million assets · 40 loans in 2025
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40
loans originated, 2025
64
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Colonial Federal Savings Bank grew fast in 2025 on much bigger loans. Its 40 loans were 48% more than in 2024, and its typical loan more than doubled.
The 48% rise compares with a fall of 2% at similar lenders (savings institutions making between half and twice as many loans) and a rise of 10% for the whole market; about four in five of those peers grew less. Its dollar total rose from $12.0 million to $23.5 million. It made 74 to 87 loans a year in 2018-2022, apart from 52 in 2020.
Its typical loan was $580,000, against $255,000 in 2024 and $245,000 at similar lenders, higher than at nearly nine in ten of them. Home purchases made up 77.5% of its loans. All were conventional, and 5.9% were jumbo (larger than the conforming limit).
Low- and moderate-income (LMI) borrowers took 2.7% of its loans, down from 18.5% in 2024 and among the lowest of similar lenders. Its larger loans are a possible reason, and on 40 loans one or two loans move the share. Majority-minority areas took 22.5%, against 7.2% at similar lenders.
In Boston-Cambridge-Newton, where it has lent since at least 1990, it ranked 231 of 664 lenders; Citizens Bank, Leader Bank and Guaranteed Rate led. In Barnstable Town it ranked 288 of 369.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Colonial Federal Savings Bank took 64 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 77.5% · Refinance 12.5% · Home improvement 5.0% · Other 5.0%
Conventional 100.0% · of 40 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 | 40 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 33 |
| Cambridge-Newton-Framingham | 6 |
| Barnstable Town | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300THVVYXNYVCMC50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 117074 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41673 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1701673 | 2011–2017 |
Established 1 January 1889. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Colonial Federal Savings Bank's data.
Colonial Federal Savings Bank's data
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Colonial Federal 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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