Applications / Mortgage Analytics / Lenders / Massachusetts / Rollstone Bank & Trust
Fitchburg, MA · State non-member bank · FDIC · $848 million assets · 22 loans in 2025
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22
loans originated, 2025
34
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rollstone Bank & Trust, a Fitchburg, Massachusetts bank that has filed HMDA reports since 1990, now makes very few home loans: 22 in 2025, against 305 in 2020.
The bank's loan count has fallen every year since 2020, from 305 to 51 in 2024 and 22 in 2025. That 57% drop in a single year compares with a 10% fall among similar lenders, meaning state non-member banks making between half and twice as many loans, and with a market that grew 10%. The figures give no reason; the bank may have chosen to make fewer home loans.
Its typical loan was $300,000, against $175,000 at similar lenders, larger than about four in five of them. The dollar volume, $8.0 million, sits near the middle of the group even though the loan count is among the lowest fifth. Every loan was conventional, with none insured by the Federal Housing Administration or guaranteed by the Department of Veterans Affairs.
Most of its loans, 86.4%, financed home purchases. Worcester is its largest market, where it has lent since 1990; its share there slipped from 0.3% to 0.1%, ranking it 171 of 451 lenders. With so few loans, a handful more or fewer moves that share.
On 22 loans, the shares going to low- and moderate-income borrowers or neighborhoods are too small a base to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rollstone Bank & Trust took 34 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 86.4% · Refinance 13.6%
Conventional 100.0% · of 22 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 | 20 | 90.9% |
| New Hampshire | 2 | 9.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 15 |
| Cambridge-Newton-Framingham | 2 |
| Barnstable Town | 1 |
| Boston | 1 |
| Providence-Warwick | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930040WE4NGYGGO143 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 837608 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 47794 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1707794 | 2011–2017 |
Established 12 February 1846. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Rollstone Bank & Trust's data.
Rollstone Bank & Trust's data
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Rollstone Bank & Trust 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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