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San Francisco

Founded in 1834, Hingham Institution for Savings is one of America’s oldest banks. The Bank maintains offices in Boston, Nantucket, Washington, D.C., and San Francisco.

The Bank began operations in San Francisco in 2021 during the pandemic, at a time when many had a dismal view of the city’s future. We had a different view.

San Francisco is a world class city, with unrivaled dynamism, energy, and the capacity to reinvent and transform itself no matter what the challenge.  We are long-term investors and we are committed to building a meaningful presence in San Francisco.  We are initially focused on stabilized commercial real estate, particularly apartment buildings, and providing cash management solutions to our commercial and nonprofit clients.

If you are a talented, experienced commercial real estate lender or banker and are an interested in joining our team, contact our President and Chief Operating Officer, Patrick Gaughen, at [email protected].  We promise a confidential and direct conversation about what we do and look forward to meeting you.

San Francisco

345 California Street, San Francisco, CA94104

P: 415-231-2758

Office Information
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San Francisco

345 California Street, San Francisco, CA94104

Open In Maps

P: 415-231-2758

Contact: Phillip Donnici

Email: [email protected]

Branch Services

  • Commercial Lending
  • Business Banking

Our San Francisco Team

Patrick R . Gaughen

President and COO
Patrick joined HIFS in 2012.

He is responsible for identifying and implementing long-term growth and profitability initiatives for the Bank. Patrick also serves on the Board of Directors and on the Executive Committee. Prior to joining HIFS, Patrick was a Foreign Service Officer (FSO) with the Department of State, where he specialized in Near Eastern Affairs and served overseas. He holds a BA in History and Political Science from Yale University, an MA in Security Studies from the Walsh School of Foreign Service at Georgetown, and an MA in Political Science from Duke University.

NMLS #941853

[email protected]   781-783-1761

Paul Barry

VP - Commercial Lending
Paul joined HIFS in 2013.

Paul is responsible for managing relationships with commercial real estate investors in Massachusetts and the Washington, DC metropolitan area.

Prior to joining Hingham, he was a Senior Vice President at Goedecke and Company, a leading Boston-based commercial real estate finance firm. Prior to Goedecke, Paul was responsible for acquisitions and asset management for a number of real estate private equity funds. Paul has a BS in Physics from Fairfield University.

[email protected]   781-783-1759

Phillip Donnici

VP - Relationship Manager - Specialized Deposit Group
Phillip joined HIFS in 2024.

Phil Donnici is a Vice President and Relationship Manager in our Specialized Deposit Group. Phil is part of our San Francisco team where he supports consumer and business deposit relationships. Phil is a Bay Area native but has also spent time in our Massachusetts market working and earning his MBA at Boston College. With over 15 years of experience working in banking, he brings great value to our team.

Book a Meeting with Phil

 

[email protected]   415-231-2758

Jacqueline Tsang

Cash Management Specialist
Jackie joined HIFS in 2024.

Jackie is a Cash Management Specialist in the Digital Banking Group serving business clients with their banking needs. Jackie is located in our San Francisco office and delivers exceptional service to our growing San Francisco client base.

[email protected]   781-783-1810

Anastasia Mushtaev

Cash Management Specialist
Anastasia joined HIFS in 2024.

Anastasia is a Cash Management Specialist in the Digital Banking Group serving business clients with their onboarding and cash management needs. Anastasia is located in our San Francisco office and delivers exceptional service to our growing San Francisco client base and customers nationwide.

[email protected]   781-783-1793

Commercial Real Estate Lending

We are committed to building a permanent, meaningful presence in the Bay Area. We offer a level of personalized service unavailable at larger banks and when we make commitments, we honor them.

Following is a brief summary of our commercial real estate lending program:

General Terms: Competitive pricing, up to 35-year amortization for multifamily properties

Structure: 5, 7, and 10 Year Initial Fixed Period, Up to 20 Year Term with Adjustments

Cost: No application fees, no origination fees/points on term loans

Product Types: Multifamily, Apartment, Retail, Office, Industrial

Loan Type: Term and Lines of Credit (No Construction in San Francisco)

Loan Size: Up to $80 million

If you are interested in exploring how we might work together on a commercial real estate project, please contact Paul Barry from our Commercial Lending Group.

Recent Deals

First Deed of Trust - Apartment Building
  • Pacific Heights - San Francisco, CA
  • $1,700,000
First Deed of Trust - Apartment Building
  • Outer Richmond - San Francisco, CA
  • $1,400,000
First Deed of Trust - Apartment Building
  • Cow Hollow - San Francisco, CA
  • $2,600,000
First Deed of Trust - Apartment Building
  • Hayes Valley - San Francisco, CA
  • $2,500,000

Business Banking

Our Specialized Deposit Group has a particular focus on nonprofits, law firms, investment firms, property managers, startups, municipalities, and more. 

At Hingham, you’ll find dedicated relationship managers, complimentary and tailored cash management services, and unlimited deposit insuranceThis group also provides personal banking services.

We invite you to contact Phil Donnici from our Specialized Deposit Group to discuss how we can help you.

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