Applications / Mortgage Analytics / Lenders / Massachusetts / Seamen's Bank
Provincetown, MA · Savings institution · FDIC · $468 million assets · 71 loans in 2025
Seamen's Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
71
loans originated, 2025
101
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Seamen's Bank lends in a single county, around Barnstable Town, Massachusetts, where it ranks 16th of 369 lenders, and its loans are more than twice the size of similar lenders'.
All its loans were in one county. In Barnstable Town, where it has reported loans since 2004, it ranks 16 of 369 lenders with 1.5% of lending, down from 1.6%, which may reflect flat lending while the whole market grew 10%. The Cape Cod Five Cents Savings Bank led the market.
Its typical loan was $575,000, against $245,000 at similar lenders (other savings institutions making between half and twice as many loans), larger than at more than nine in ten of them. Jumbo loans, those above the conforming limit, made up 21.7% of its lending, against 2.4% at peers. Every loan was conventional, and purchases made up 76.1%.
Low- and moderate-income borrowers took 14.9% of its loans, against 25.5% at similar lenders, lower than at about four in five of them. Two possible reasons: loans this large point to wealthier buyers, and a bank lending in one county has a narrower pool of borrowers to draw on.
It made 71 loans in 2025, against 72 a year earlier, near the middle of its peers on growth. That is well below the 265 it made in 2020 and 190 in 2018. It may have chosen to lend less, or lost refinancing business; the figures do not say which.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Seamen's Bank took 101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.1% · Refinance 19.7% · Other 4.2%
Conventional 100.0% · of 71 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 | 71 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Barnstable Town | 71 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IT6BBMQGOVFG70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 418100 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390268 | 2004–2017 |
Established 14 April 1851. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Seamen's Bank's data.
Seamen's Bank's data
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