Applications / Mortgage Analytics / Lenders / Massachusetts / Canton Co-Operative Bank
Canton, MA · State member bank · FRS · $159 million assets · 18 loans in 2025
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18
loans originated, 2025
29
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Canton Co-Operative Bank, a Massachusetts bank founded in 1891, made just 18 home loans in 2025, fewer than almost nine in ten similar lenders.
Its loans fell 18%, from 22 to 18. Similar lenders, meaning state member banks making between half and twice as many loans, fell by a typical 16%. The decline was shared by banks of its size, even as the whole market grew 10%.
The bank made 42 loans in both 2020 and 2021. Lending dropped to 24 in 2022 and a low of 14 in 2023 before a partial recovery. The record does not say why, and at these numbers a few loans either way change the picture.
It lends in one state, across six counties and four metros. It first reported in 1992 and has lent around Boston since then, ranking 359 of 664 lenders there; Citizens Bank leads. In Barnstable Town it ranks 249 of 369, behind The Cape Cod Five Cents Savings Bank.
All its loans were conventional in each year shown, with none backed by a government agency. Beyond that, 18 loans are too few to read much into its borrowers' incomes, the neighborhoods it lends in, its loan sizes or its prices.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Canton Co-Operative Bank took 29 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 44.4% · Other 5.6%
Conventional 100.0% · of 18 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 | 18 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 13 |
| Barnstable Town | 2 |
| Cambridge-Newton-Framingham | 1 |
| Worcester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PWTPCOI9QU5G90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 379470 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326450 | 1992–2010 |
| Respondent ID (the HMDA filer code before 2018) | 2379470 | 2011–2017 |
Established 1 January 1891. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Canton Co-Operative Bank's data.
Canton Co-Operative Bank's data
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Canton Co-Operative 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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