--- title: Construction Lenders in Massachusetts: 138 Hold These Loans url: https://lender.report/construction-lenders/massachusetts/ license: https://lender.report/license/ --- Construction ยท MA # Construction lenders in Massachusetts 138 lenders with an office in Massachusetts hold construction and land loans on their books. Rockland Trust Company, based in Massachusetts, holds the largest book among those based here, at $1.5B. **Evidence** Lender holds construction and land loans on its books at the latest filing and has an office in Massachusetts **Data as of** June 30, 2026 **Page last changed** November 11, 2026 **Lenders with an office here** 138 FDIC call report, Jun 30, 2026 **Based here** 108 FDIC call report, Jun 30, 2026 **Held by those based here** $9.74B FDIC call report, Jun 30, 2026 -3.7% from a year earlier, 103 of 108 lenders **Median book, based here** $34.8M FDIC call report, Jun 30, 2026 Cite this Source: The Lender Report, Construction lenders in Massachusetts, https://lender.report/construction-lenders/massachusetts/, data as of June 30, 2026. ## Describe a deal in Massachusetts See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show construction loans in Massachusetts](https://lender.report/comps/?lane=construction&state=MA)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Offices here | Holds | Growth, 12 months | | --- | --- | --- | --- | --- | --- | | [Rockland Trust Company](https://lender.report/lender/rockland-trust-ma/) | Bank | Rockland, MA | 143 | $1.49B | | | [Needham Bank](https://lender.report/lender/needham-bank-ma/) | Bank | Needham, MA | 17 | $760M | | | [Eastern Bank](https://lender.report/lender/eastern-bank-ma/) | Bank | Boston, MA | 111 | $516M | | | [Salem Five Cents Savings Bank](https://lender.report/lender/salem-five-cents-savings-bank-ma/) | Bank | Salem, MA | 34 | $500M | | | [Beacon Bank and Trust](https://lender.report/lender/beacon-bank-and-trust-ma/) | Bank | Boston, MA | 70 | $379M | | | [Northern Bank & Trust Company](https://lender.report/lender/northern-bank-and-trust-ma/) | Bank | Woburn, MA | 14 | $351M | | | [Dedham Institution for Savings](https://lender.report/lender/dedham-institution-for-savings-ma/) | Savings | Dedham, MA | 15 | $307M | +8.4% | | [Middlesex Savings Bank](https://lender.report/lender/middlesex-savings-bank-ma/) | Bank | Natick, MA | 35 | $270M | | | [The Village Bank](https://lender.report/lender/village-bank-ma/) | Savings | Newton, MA | 12 | $269M | +1.4% | | [The Lowell Five Cent Savings Bank](https://lender.report/lender/lowell-five-cent-savings-bank-ma/) | Savings | Tewksbury, MA | 14 | $244M | +15.8% | | [Hingham Institution for Savings](https://lender.report/lender/hingham-institution-for-savings-ma/) | Savings | Hingham, MA | 8 | $226M | | | [Institution for Savings in Newburyport and Its Vicinity](https://lender.report/lender/institution-for-savings-in-newburyport-and-its-vicinity-ma/) | Savings | Newburyport, MA | 13 | $179M | +72.2% | | [OneLocal Bank](https://lender.report/lender/onelocal-bank-ma/) | Savings | Norwood, MA | 4 | $177M | +2.1% | | [MountainOne Bank](https://lender.report/lender/mountainone-bank-ma/) | Savings | North Adams, MA | 6 | $177M | +26.1% | | [BayCoast Bank](https://lender.report/lender/baycoast-bank-ma/) | Savings | Swansea, MA | 19 | $164M | | | [Country Bank for Savings](https://lender.report/lender/country-bank-for-savings-ma/) | Savings | Ware, MA | 16 | $163M | | | [Leader Bank, National Association](https://lender.report/lender/leader-bank-ma/) | Bank | Arlington, MA | 8 | $163M | | | [Cambridge Savings Bank](https://lender.report/lender/cambridge-savings-bank-ma/) | Bank | Cambridge, MA | 21 | $147M | | | [The Cape Cod Five Cents Savings Bank](https://lender.report/lender/cape-cod-five-cents-savings-bank-ma/) | Bank | Hyannis, MA | 22 | $145M | | | [Bluestone Bank](https://lender.report/lender/bluestone-bank-ma/) | Bank | Raynham, MA | 11 | $132M | +4.7% | FDIC call report, Jun 30, 2026 [See all 138 construction lenders in Massachusetts in Loan Comps](https://lender.report/comps/?lane=construction&state=MA) | Lender | Kind | Based in | Offices here | Holds, nationwide | | --- | --- | --- | --- | --- | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Bank | Columbus, OH | 99 | $18.8B | | [Wells Fargo Bank, National Association](https://lender.report/lender/wells-fargo-bank-sd/) | Bank | Sioux Falls, SD | 1 | $12.5B | | [Bank of America, National Association](https://lender.report/lender/bank-of-america-nc/) | Bank | Charlotte, NC | 146 | $9.68B | | [First-Citizens Bank & Trust Company](https://lender.report/lender/first-citizens-bank-and-trust-nc/) | Bank | Raleigh, NC | 5 | $7.34B | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) | Bank | Wilmington, DE | 10 | $5.26B | | [Citizens Bank, National Association](https://lender.report/lender/citizens-bank-ri/) | Bank | Providence, RI | 179 | $4.75B | | [Santander Bank, N.A.](https://lender.report/lender/santander-bank-de/) | Bank | Wilmington, DE | 129 | $4.38B | | [TD Bank, National Association](https://lender.report/lender/td-bank-de/) | Bank | Wilmington, DE | 114 | $4.31B | | [Goldman Sachs Bank USA](https://lender.report/lender/goldman-sachs-bank-usa-ny/) | Bank | New York, NY | 1 | $4.18B | | [Manufacturers and Traders Trust Company](https://lender.report/lender/manufacturers-and-traders-trust-ny/) | Bank | Buffalo, NY | 62 | $3.35B | FDIC call report, Jun 30, 2026 - 108 of these lenders are based in Massachusetts, and 30 are based elsewhere with offices here. FDIC call report, Jun 30, 2026 - These lenders: 58 banks, 51 savings institutions and 29 credit unions. FDIC call report, Jun 30, 2026 - Lenders based in Massachusetts hold $9.7B of construction and land loans, down 3.7% from a year earlier among the 103 of 108 with a comparable earlier filing. FDIC call report, Jun 30, 2026 - The five largest books based here hold 37.4% of that total. FDIC call report, Jun 30, 2026 - Rockland Trust Company holds $1.5B, and Needham Bank holds $759.9M. FDIC call report, Jun 30, 2026 - The median book among lenders based in Massachusetts is $34.8M. FDIC call report, Jun 30, 2026 - 43 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report, Jun 30, 2026 - 29 lenders based here hold $100M or more of it. FDIC call report, Jun 30, 2026 - These lenders list 2,111 offices in Massachusetts. FDIC office list, Oct 28, 2026 - Citizens Bank, National Association, based in Rhode Island, lists the most offices here among out-of-state lenders, at 179. FDIC office list, Oct 28, 2026 - Among credit unions here, the median average loan in this category is $1.2M. NCUA 5300, Jun 30, 2026 - Watertown Savings Bank grew this book the most in the year, up 172.8% to $14.4M. FDIC call report, Jun 30, 2026 ## How this list is defined **Measure** construction and land loans held by lenders with an office in Massachusetts **Period** June 30, 2026 **Formula** The balance of construction and land loans on the lender's June 30, 2026 filing, for a lender with an office in Massachusetts. A balance held, not loans made. **Order** Largest first by the book held at the latest filing, then name. Payment is not part of the order. **As of** June 30, 2026 **Source** [FDIC call report](https://api.fdic.gov/banks/financials) **Changelog** November 12, 2026: First published, with the data built on this date. Construction and land development loans finance building and site work, for homes and for commercial projects. Banks report them in one balance. Call reports give one balance per institution, not by state, and they carry balances, not loans made. The figure shown is the whole institution's book. Growth appears only where a book grew over the 12 months. Each lender's own page has its full record. A lender counts here if it holds construction and land loans on its books at the latest filing and has an office in Massachusetts. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.