Applications / Mortgage Analytics / Lenders / Massachusetts / Winchester Savings Bank
Winchester, MA · Savings institution · FDIC · $1.0 billion assets · 81 loans in 2025
Winchester Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
81
loans originated, 2025
100
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Winchester Savings Bank is a Boston-area lender of big loans: its typical mortgage was $855,000 in 2025, more than three times that of similar lenders.
Its typical loan of $855,000 compares with $245,000 at similar lenders, savings institutions making between half and twice as many loans. Jumbo loans, those larger than the conforming limit, were 34.4% of its lending, against 2.4% at similar lenders. That jumbo share was the same a year before, so this is a settled business, not a one-year swing. Purchases made up 72.8% of its loans.
Low- and moderate-income (LMI) borrowers took 12.9% of its loans, against 25.2% at similar lenders, a lower share than most of them. A lender making loans this large may simply serve mostly higher-income buyers. Its lending in LMI neighborhoods, at 22.2%, was above the 17.4% of similar lenders, and 14.8% of its loans went to majority-minority neighborhoods, against 6.7%.
Loans rose 27% to 81 in 2025, faster than the 5% of similar lenders. But the bank made 223 loans in 2020 and 218 in 2021, then fewer each year until 2024. The figures do not show why. In Boston-Cambridge-Newton, its largest market, it ranks 98 of 664 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Winchester Savings Bank took 100 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.8% · Refinance 18.5% · Home improvement 6.2% · Other 2.5%
Conventional 100.0% · of 81 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 | 76 | 93.8% |
| New Hampshire | 5 | 6.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 60 |
| Boston | 15 |
| Manchester-Nashua | 3 |
| Worcester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B1DHIVKN5DEJ29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 899008 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390308 | 1992–2017 |
Established 1 July 1871. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Winchester Savings Bank's data.
Winchester Savings Bank's data
$215
Winchester Savings 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 Winchester Savings 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]