Applications / Mortgage Analytics / Lenders / Massachusetts / The Village Bank
Auburndale, MA · Savings institution · FDIC · $2.0 billion assets · 153 loans in 2025
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153
loans originated, 2025
180
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Village Bank is a jumbo lender: nearly three in four of its loans were larger than the conforming limit, against a few percent at similar savings banks.
Its typical loan was $1.8 million, larger than at any similar lender (savings institutions making between half and twice as many loans), where it was $240,000. Jumbo loans, those larger than the conforming limit, made up 73.1% of its lending, against 2.4% at peers. This is no one-year blip: the jumbo share was 72.8% last year and 55.8% in 2020. Home purchases made up 76.5% of its loans.
Its share of Barnstable Town rose from 0.1% to 0.3%, ranking it 49 of 369 lenders. Around Boston it ranked 35 of 664, high for a bank of 153 loans in a market led by Citizens Bank and Leader Bank.
Only 3.3% of its loans were in low- and moderate-income (LMI) neighborhoods, against 16.9% at similar lenders, among the lowest of its peers. A lender whose business is large purchase loans may simply find fewer of them in such areas. Its share to LMI borrowers, 27.5%, was a little above peers' 24.8%.
It made 153 loans, about the same as last year's 151 and far fewer than the 441 of 2022. Its 1% growth trailed the 6% at similar lenders and the whole market's 10%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Village Bank took 180 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 76.5% · Refinance 19.6% · Home improvement 2.6% · Other 1.3%
Conventional 100.0% · of 153 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 | 153 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 109 |
| Boston | 40 |
| Barnstable Town | 3 |
| Worcester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T0NMTRA1FGK873 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 173575 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326336 | 1992–2017 |
Established 1 May 1910. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: The Village Bank's data.
The Village Bank's data
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The Village 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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