Applications / Mortgage Analytics / Lenders / Massachusetts / Main Street Bank
Marlborough, MA · Savings institution · FDIC · $1.7 billion assets · 52 loans in 2025
Main Street Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
52
loans originated, 2025
88
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Main Street Bank's mortgage lending shrank sharply in 2025: it made 52 loans, against 244 a year earlier and 867 in 2020.
Its loans fell 79%, the steepest drop among similar lenders, meaning savings institutions making between half and twice as many loans. Those lenders held level and the whole market grew 10%. The figures do not say whether the bank chose to cut back mortgage lending or changed what it reports, and the cause is worth asking about before reading much else into 2025.
Its share of Worcester lending slipped from 0.3% to 0.0%, and of Barnstable Town from 0.3% to 0.1%. Both falls follow from the smaller count.
Low- and moderate-income (LMI) borrowers took 42.9% of its loans, against 22.7% the year before and 26.1% at similar lenders, higher than about nine in ten of them.
Home purchases made up 59.6% of its loans. Its typical loan was $310,000, against $180,000 a year earlier and $245,000 at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Main Street Bank took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 59.6% · Refinance 19.2% · Home improvement 13.5% · Other 7.7%
Conventional 100.0% · of 52 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 | 49 | 94.2% |
| New Hampshire | 3 | 5.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 30 |
| Worcester | 10 |
| Barnstable Town | 5 |
| Boston | 3 |
| Manchester-Nashua | 3 |
| Providence-Warwick | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CPZ5G5IZWT7878 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 818401 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390235 | 1992–2017 |
Established 3 April 1860. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Main Street Bank's data.
Main Street Bank's data
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Main Street 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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