Applications / Mortgage Analytics / Lenders / Massachusetts / Stoughton Co-Operative Bank
Stoughton, MA · State member bank · FRS · $135 million assets · 26 loans in 2025
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26
loans originated, 2025
43
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Stoughton Co-Operative Bank, a Massachusetts bank founded in 1886, now makes a few dozen home loans a year, a fraction of what it made five years ago.
It made 26 loans in 2025, against 119 in 2020 and 84 in 2021. Lending fell to 25 loans in 2022 and to 17 in both 2023 and 2024. The rise to 26, nine more loans, came while similar lenders, meaning state member banks making between half and twice as many loans, made 5% fewer, but it is too small a change to read much into.
With 26 loans, its shares of lending to lower-income borrowers or neighborhoods, its loan sizes and its jumbo share each rest on a handful of loans and say little. What can be said is that its dollar volume, $13.1 million, was close to its peers' $13.8 million, and that 69.2% of its loans were for home purchases and the rest refinances. All were conventional.
It has reported since 1992 and lends in Massachusetts and New Hampshire, across five metros and seven counties. Boston is its largest market, where it ranks 326 of 664 lenders, a long way behind leaders such as Citizens Bank and Leader Bank. It has lent in Providence-Warwick since 1996 and in Barnstable Town since 1997, with a share too small to register in each.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Stoughton Co-Operative Bank took 43 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.2% · Refinance 30.8%
Conventional 100.0% · of 26 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 | 25 | 96.2% |
| New Hampshire | 1 | 3.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 15 |
| Providence-Warwick | 5 |
| Barnstable Town | 3 |
| Cambridge-Newton-Framingham | 1 |
| Worcester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930083CVF047DLXL67 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 164975 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326513 | 1992–2012 |
| Respondent ID (the HMDA filer code before 2018) | 2164975 | 2013–2017 |
Established 1 January 1886. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Stoughton Co-Operative Bank's data.
Stoughton Co-Operative Bank's data
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Stoughton 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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