A purchase lender
Purchases made up 88.0% of its 25 loans in 2025 and refinances the rest. It made no home-improvement or other loans, and every loan was conventional. That is a narrow book even for a small bank.
Applications / Mortgage Analytics / Lenders / Massachusetts / Wrentham Co-Operative Bank
Wrentham Co-Operative Bank
Wrentham, MA · Savings institution · FDIC · $188 million assets · 25 loans in 2025
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25
loans originated, 2025
27
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wrentham Co-Operative Bank, a Massachusetts savings institution founded in 1901, makes a couple of dozen home loans a year, nearly all of them large purchase mortgages.
Large loans
Its typical loan was $505,000, against $225,000 at similar lenders, savings institutions making between half and twice as many loans. Its loans were larger than at about four in five of them. So its $14.6 million of lending was more than at about three in five peers, despite making fewer loans than most.
Holding steady at a low level
It made 25 loans, up from 24, a rise of 4% against 2% at the typical peer. It made 63 loans in 2018 and has made fewer since. It filed no report for 2020 or 2021; those are gaps in the record, not years without lending.
A small player around Boston
It has lent in Boston since 1992 and ranks 312 of 664 lenders there, where Citizens Bank leads. It also lends around Providence, Worcester and Barnstable Town. With 25 loans, its shares of lending to poorer borrowers and neighborhoods rest on too few loans to read much into.
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
25 loans in 2025, against a peak of 63 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Wrentham Co-Operative Bank took 27 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
88.0% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 88.0% · Refinance 12.0%
Conventional 100.0% · of 25 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
2 states, 5 metros, 10 counties
| State | Loans | Share |
|---|---|---|
| Massachusetts | 21 | 84.0% |
| Rhode Island | 4 | 16.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Boston | 11 |
| Cambridge-Newton-Framingham | 5 |
| Providence-Warwick | 5 |
| Worcester | 3 |
| Barnstable Town | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B4RK7F18UZ4X46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 948278 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 326576 | 1992–2017 |
Established 1 January 1901. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Wrentham Co-Operative Bank's data.
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