Applications / Mortgage Analytics / Lenders / New Hampshire / Franklin Savings Bank
Franklin, NH · Savings institution · FDIC · $917 million assets · 54 loans in 2025
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54
loans originated, 2025
70
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Franklin Savings Bank, a New Hampshire lender, makes fewer but larger loans than similar banks, and it lends heavily in poorer neighborhoods.
It made 54 loans in 2025, down 30% from 77. Similar lenders (savings institutions making between half and twice as many loans) were flat, and the whole market grew 10%. Its growth was lower than at almost nine in ten of them. It made 152 loans in 2018, its first year of reporting. The figures do not say why lending has fallen.
Its typical loan was $385,000, against $245,000 at its peers, larger than at about three in four of them. So although it made fewer loans than most peers, its lending, $37.3 million, was larger than at about three in four. Home purchases were 61.1% of its loans.
Low- and moderate-income (LMI) neighborhoods took 43.4% of its loans, against 16.7% at its peers, more than at nearly all of them. Yet LMI borrowers took only 5.6%, against 26.1%, fewer than at nearly all. Its larger loans may account for the second; on 54 loans a few loans also move both shares.
In Manchester-Nashua, its largest market, its share rose to 0.4% from 0.3%, ranking it 52 of 344, even as its loans fell. United Wholesale Mortgage led there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Franklin Savings Bank took 70 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.1% · Refinance 35.2% · Home improvement 3.7%
Conventional 100.0% · of 54 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 |
|---|---|---|
| New Hampshire | 49 | 90.7% |
| Massachusetts | 4 | 7.4% |
| South Carolina | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Manchester-Nashua | 10 |
| Rockingham County-Strafford County | 5 |
| Cambridge-Newton-Framingham | 4 |
| Myrtle Beach-Conway-North Myrtle Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900J6JRSKHU1Y0F98 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 491402 | 2018–2023 |
Established 30 June 1869. Reported under HMDA 2018-2025.
Mergers, name changes, data editions and corrections: Franklin Savings Bank's data.
Franklin Savings Bank's data
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Franklin 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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