Applications / Mortgage Analytics / Lenders / Massachusetts / South Shore Bank
South Weymouth, MA · State member bank · FRS · $2.5 billion assets · 18 loans in 2025
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18
loans originated, 2025
21
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
South Shore Bank, a South Weymouth lender with $2.5 billion of assets, now buys far more home loans than it makes: 93 bought in 2025, against 18 made.
It made 18 home loans in 2025, down from 56 in 2024 and 469 in 2020. Its loans fell 68%, against a fall of 16% at similar banks (state member banks making between half and twice as many loans). It may now get more of its mortgages by buying them than by making them. With so few loans, its shares of borrowers, neighborhoods and loan sizes say little.
It bought 93 loans from other lenders in 2025, up from 24 in 2024 and none in 2020. The typical similar bank bought none. One possibility is that it has chosen to add mortgages to its books by purchase rather than by lending directly; the figures alone do not say why.
Its loans are concentrated in Massachusetts, across five counties, and it has lent in the Boston and Providence markets since 1992. Its present shape comes partly from mergers: with South Weymouth Savings Bank in 1997, Horizon Bank and Trust Company in 2004 and Braintree Cooperative Bank in 2017. The Federal Reserve has supervised it since it joined the system in 2011.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. South Shore Bank took 21 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 33.3%
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 | 16 |
| Cambridge-Newton-Framingham | 1 |
| Providence-Warwick | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493009TVPZT8PYBF879 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 772008 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390303 | 1992–2010 |
| Respondent ID (the HMDA filer code before 2018) | 2772008 | 2011–2017 |
Established 1 February 1833. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: South Shore Bank's data.
South Shore Bank's data
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