Applications / Mortgage Analytics / Lenders / Massachusetts / Pentucket Bank
Haverhill, MA · Savings institution · FDIC · $1.1 billion assets · 112 loans in 2025
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112
loans originated, 2025
148
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pentucket Bank, a Haverhill, Massachusetts savings bank, makes far fewer loans than five years ago, but lends to low- and moderate-income borrowers more than almost any similar lender.
It made 112 loans in 2025, about level with 110 in 2024 but far below the 308 of 2020 and the 334 of 2021. In 2025 similar lenders (savings institutions making between half and twice as many loans) grew 7% and the whole market 10%. The record does not say why its lending fell.
44.7% of its borrowers had low or moderate incomes (LMI), up from 28.3% and higher than at almost all similar lenders, whose typical figure is 24.2%. 21.4% of its loans were in LMI neighborhoods, against 17.0% at peers.
Its typical loan was $410,000, against $245,000 at peers, higher than at about four in five of them. It was $265,000 in 2020. Purchases made up 58.9% of its lending, and jumbo loans (larger than the conforming limit) were 2.5%, close to peers' 2.6%.
It has lent in Boston-Cambridge-Newton, MA-NH since 1992 and ranks 161 of 664 there. In Manchester-Nashua, NH its share fell from 0.4% to 0.1%; at shares this small, a few loans make the difference.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pentucket Bank took 148 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.9% · Refinance 25.0% · Home improvement 8.0% · Other 8.0%
Conventional 100.0% · of 112 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 | 64 | 57.1% |
| New Hampshire | 47 | 42.0% |
| Maine | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 58 |
| Rockingham County-Strafford County | 40 |
| Boston | 5 |
| Manchester-Nashua | 5 |
| Barnstable Town | 1 |
| Portland-South Portland | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930061YDWSR567KC82 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 635907 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390208 | 1992–2017 |
Established 1 January 1891. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Pentucket Bank's data.
Pentucket Bank's data
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