Applications / Mortgage Analytics / Lenders / Massachusetts / The Lowell Five Cent Savings Bank
Tewksbury, MA · Savings institution · FDIC · $1.8 billion assets · 174 loans in 2025
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174
loans originated, 2025
226
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Lowell Five Cent Savings Bank makes far larger loans than similar savings banks, and lends far more in poorer and majority-minority neighborhoods than they do.
Its 174 loans put it near the middle of similar lenders, which here means savings institutions making between half and twice as many loans. Its typical loan of $610,000 is higher than at almost all of them, and up from $510,000 a year earlier. Jumbo loans, those larger than the conforming limit, made up 15.3% of its lending against 2.5% at peers. So its $144.4 million in loans is nearly three times the peers' typical total.
Two in five of its loans, 43.4%, went to low- and moderate-income (LMI) neighborhoods, against 16.9% at peers. Loans in majority-minority neighborhoods made up 31.6%, against 5.3%, and nearly double the 16.0% of five years before. Its share of loans to LMI borrowers, 28.4%, is closer to the peers' 24.8%.
Its loans rose 10% in 2025, the same as the whole market and a little faster than peers' 6%. Purchase loans were 58.6% of the total. The bank still made fewer loans than the 257 of 2020.
It has reported since 1992. In Boston-Cambridge-Newton, its largest market, it ranks 87 of 664, behind leaders such as Citizens Bank and Leader Bank. In Manchester-Nashua its share held at 0.2%. Its loans reach 15 counties in 4 states, with Massachusetts the main one.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Lowell Five Cent Savings Bank took 226 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 58.6% · Refinance 29.3% · Home improvement 8.0% · Other 4.0%
Conventional 100.0% · of 174 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 | 139 | 79.9% |
| New Hampshire | 32 | 18.4% |
| Florida | 2 | 1.1% |
| Maine | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 118 |
| Manchester-Nashua | 17 |
| Worcester | 11 |
| Rockingham County-Strafford County | 10 |
| Boston | 9 |
| Barnstable Town | 1 |
| Naples-Marco Island | 1 |
| Portland-South Portland | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900F213LCBO4VGA06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 923707 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390227 | 1992–2017 |
Established 12 April 1854. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: The Lowell Five Cent Savings Bank's data.
The Lowell Five Cent Savings Bank's data
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The Lowell Five Cent 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.
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