Applications / Mortgage Analytics / Lenders / Massachusetts / StonehamBank, a Co-Operative Bank
Stoneham, MA · Savings institution · FDIC · $883 million assets · 78 loans in 2025
StonehamBank, a Co-Operative Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
78
loans originated, 2025
116
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
StonehamBank, a Co-Operative Bank, makes big loans in the Boston area: its typical loan in 2025 was more than twice that of similar lenders.
Its typical loan was $555,000, against $245,000 at similar lenders (savings institutions making between half and twice as many loans), larger than nine in ten of them. Some 29.5% were jumbo loans (larger than the conforming limit), against 2.3% at similar lenders and up from 17.4%. So its 78 loans came to $76.8 million.
Loans rose 30%, from 60, faster than four in five similar lenders, whose typical growth was 5%. The bank made 559 loans in 2020 and 194 in 2018.
Some 20.0% of its loans went to low- and moderate-income borrowers, down from 33.3% and below the 24.7% at similar lenders. Its larger loans may draw buyers with higher incomes. Majority-minority neighborhoods took 10.3% of its loans, against 7.1% at similar lenders.
It ranks 129 of 664 lenders in Boston-Cambridge-Newton, where it has lent since 1992. Citizens Bank and Leader Bank lead that market. Home improvement made up 9.0% of its lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. StonehamBank, a Co-Operative Bank took 116 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 23.1% · Home improvement 9.0% · Other 1.3%
Conventional 97.4% · VA 2.6% · of 78 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 | 91.0% |
| Rhode Island | 6 | 7.7% |
| New Hampshire | 1 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 59 |
| Boston | 10 |
| Providence-Warwick | 7 |
| Rockingham County-Strafford County | 1 |
| Worcester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M2W1M6WRAK9S59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 954279 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326559 | 1992–2017 |
Established 1 January 1887. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: StonehamBank, a Co-Operative Bank's data.
StonehamBank, a Co-Operative Bank's data
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