Applications / Mortgage Analytics / Lenders / Massachusetts / Haverhill Bank
Haverhill, MA · Savings institution · FDIC · $636 million assets · 69 loans in 2025
Haverhill Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
69
loans originated, 2025
90
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Haverhill Bank, a Massachusetts savings institution founded in 1877, lends to borrowers of modest means more than most savings institutions of its size.
Low- and moderate-income (LMI) borrowers took 38.0% of its loans, against 25.4% at similar lenders, which here means savings institutions making between half and twice as many loans. That was higher than at about four in five of them. LMI neighborhoods took 23.2% of its loans, against 16.7% at peers.
Purchases made up 60.9% of its loans, refinancing 24.6% and home improvement 13.0%. Every loan was conventional. Its share of loans in majority-minority neighborhoods, 8.7%, was close to the 6.9% of its peers.
Its loans rose 13%, from 61 to 69. Similar lenders grew by 2% and the whole market by 10%. It remains well below the 196 loans it made in 2021.
Its largest market is Boston, where it has lent since 1992 and ranked 159 of 664 lenders in 2025; Citizens Bank led. It also lends in Manchester-Nashua and Portland, Maine, across 7 counties in 3 states. It was Haverhill Co-operative Bank until 2005 and absorbed Economy Co-Operative Bank in 2012, whose filings count in its market figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Haverhill Bank took 90 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.9% · Refinance 24.6% · Home improvement 13.0% · Other 1.4%
Conventional 100.0% · of 69 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 | 36 | 52.2% |
| New Hampshire | 32 | 46.4% |
| Maine | 1 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 36 |
| Rockingham County-Strafford County | 28 |
| Manchester-Nashua | 2 |
| Portland-South Portland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T92XVMWQW75772 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 109574 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326411 | 1992–2017 |
Established 1 January 1877. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Haverhill Bank's data.
Haverhill Bank's data
$215
Haverhill 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.
Buy Haverhill Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]