Applications / Mortgage Analytics / Lenders / Massachusetts / Middlesex Federal Savings
Somerville, MA · Savings institution · OCC · $638 million assets · 73 loans in 2025
Middlesex Federal Savings's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
73
loans originated, 2025
88
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Middlesex Federal Savings makes as many loans as a typical savings institution its size, but they are about three times as large.
Its typical loan in 2025 was $725,000, against $245,000 at similar lenders, meaning savings institutions making between half and twice as many loans. Jumbo loans (larger than the conforming limit) made up 27.3% of its lending, against 2.3% at its peers. With 73 loans, close to the peers' 74, it lent $80.8 million, about three times their $25.6 million.
Only 8.9% of its loans went to low- and moderate-income (LMI) borrowers, against 25.4% at its peers, a lower share than more than nine in ten of them. Loans this large may simply go to borrowers with higher incomes. Yet 25.0% of its loans were in LMI neighborhoods, above the peers' 16.7%.
Its loans rose 18% to 73, while similar lenders grew 3% and the whole market 10%. That was faster than about two-thirds of its peers.
Its largest market is Boston-Cambridge-Newton, MA-NH, where it ranked 115 of 664 lenders. Citizens Bank leads there, with $2.79B.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Middlesex Federal Savings took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 65.8% · Refinance 30.1% · Home improvement 4.1%
Conventional 100.0% · of 73 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 | 73 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 60 |
| Boston | 10 |
| Worcester | 2 |
| Barnstable Town | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JPG4IUQOVV5C90 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 87579 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 41452 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1701452 | 2011–2017 |
Established 1 January 1890. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Middlesex Federal Savings's data.
Middlesex Federal Savings's data
$215
Middlesex Federal 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.
Buy Middlesex Federal Savings's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]