Applications / Mortgage Analytics / Lenders / Massachusetts / UniBank for Savings
Whitinsville, MA · State non-member bank · FDIC · $2.7 billion assets · 470 loans in 2025
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470
loans originated, 2025
694
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UniBank for Savings is a Massachusetts bank whose loans run large: its typical mortgage was $295,000 in 2025, well above similar banks'.
Its typical loan of $295,000 compared with $175,000 at similar lenders, state non-member banks making between half and twice as many loans, larger than at more than four in five of them. Jumbo loans (larger than the conforming limit) made up 7.5% of its lending, against 1.5% at its peers, and have long been a fixture: 10.1% in 2020.
It ranked 13th of 451 lenders in Worcester, with 1.5% of the market, the same as in 2024. Rocket Mortgage and United Wholesale Mortgage led. It has lent there since 1992.
Just 5.3% of its loans were in low- and moderate-income (LMI) neighborhoods, against 15.8% at similar lenders, lower than almost all of them. Its larger loans point to costlier homes, which may be less often found in poorer neighborhoods; its home markets around Worcester and Boston could also hold fewer such tracts than its peers' markets. Its share of lower-income borrowers rose to 22.6% from 16.5%.
Its typical rate, 6.50%, was below the 6.75% at similar lenders, and 0.4% of its loans were higher-priced (a rate well above the average for similar loans), against 1.8%. Its loans rose 7% to 470, a little slower than the 9% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UniBank for Savings took 694 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.5% · Refinance 31.7% · Home improvement 14.7% · Other 9.1%
Conventional 100.0% · of 470 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 | 441 | 93.8% |
| Rhode Island | 13 | 2.8% |
| Connecticut | 8 | 1.7% |
| Maine | 4 | 0.9% |
| New Hampshire | 4 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 343 |
| Cambridge-Newton-Framingham | 47 |
| Boston | 41 |
| Providence-Warwick | 15 |
| Barnstable Town | 8 |
| Springfield | 5 |
| Portland-South Portland | 4 |
| Manchester-Nashua | 2 |
| Rockingham County-Strafford County | 2 |
| Amherst Town-Northampton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SIZ5KBISEZE503 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 709602 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 390290 | 1992–2017 |
Established 3 June 1870. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: UniBank for Savings's data.
UniBank for Savings's data
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UniBank for Savings 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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