OTHER COMMITMENTS AND CONTINGENCIES (Tables)

6 Months Ended

Jun. 30, 2024

Schedule of financial instruments with off-balance sheet credit risk

	June 30,		December 31,
	2024		2023
	(in thousands)
Commitments to grant residential real estate loans-HarborOne Mortgage	$	78,332	$	35,029
Commitments to grant other loans		126,696		48,547
Unadvanced funds on home equity lines of credit		269,935		260,376
Unadvanced funds on revolving lines of credit		279,006		306,943
Unadvanced funds on construction loans		147,538		210,829

Schedule of activity in the ACL on unfunded commitments

									Second Mortgages		Residential
	Commercial		Commercial		Commercial		One- to Four-		and Equity		Real Estate
	Real Estate		Construction		and Industrial		Family		Lines of Credit		Construction		Consumer		Total
	(in thousands)
Balance at March 31, 2024	$	21,263	$	5,322	$	8,063	$	12,035	$	942	$	331	$	229	$	48,185
Charge-offs		—		—		(184)		—		—		—		(17)		(201)
Recoveries		—		—		—		2		3		—		1		6
Provision		3,101		(1,589)		644		(1,334)		529		(127)		(75)		1,149
Balance at June 30, 2024	$	24,364	$	3,733	$	8,523	$	10,703	$	1,474	$	204	$	138	$	49,139

									Second Mortgages		Residential
	Commercial		Commercial		Commercial		One- to Four-		and Equity		Real Estate
	Real Estate		Construction		and Industrial		Family		Lines of Credit		Construction		Consumer		Total
	(in thousands)
Balance at December 31, 2023	$	21,288	$	4,824	$	8,107	$	12,101	$	964	$	418	$	270	$	47,972
Charge-offs		—		—		(412)		—		—		—		(66)		(478)
Recoveries		100		—		46		2		6		—		4		158
Provision		2,976		(1,091)		782		(1,400)		504		(214)		(70)		1,487
Balance at June 30, 2024	$	24,364	$	3,733	$	8,523	$	10,703	$	1,474	$	204	$	138	$	49,139

									Second Mortgages		Residential
	Commercial		Commercial		Commercial		One- to Four-		and Equity		Real Estate
	Real Estate		Construction		and Industrial		Family		Lines of Credit		Construction		Consumer		Total
	(in thousands)
Balance at March 31, 2023	$	20,942	$	5,057	$	7,484	$	11,508	$	967	$	755	$	281	$	46,994
Charge-offs		(2,918)		—		(28)		—		—		—		(42)		(2,988)
Recoveries		1		—		275		1		36		—		4		317
Provision		2,574		316		19		676		9		(125)		29		3,498
Balance at June 30, 2023	$	20,599	$	5,373	$	7,750	$	12,185	$	1,012	$	630	$	272	$	47,821

									Second Mortgages		Residential
	Commercial		Commercial		Commercial		One- to Four-		and Equity		Real Estate
	Real Estate		Construction		and Industrial		Family		Lines of Credit		Construction		Consumer		Total
	(in thousands)
Balance at December 31, 2022	$	20,357	$	4,645	$	7,236	$	11,532	$	924	$	280	$	262	$	45,236
Charge-offs		(2,918)		—		(35)		—		—		—		(49)		(3,002)
Recoveries		2		—		275		2		43		—		20		342
Provision		3,158		728		274		651		45		350		39		5,245
Balance at June 30, 2023	$	20,599	$	5,373	$	7,750	$	12,185	$	1,012	$	630	$	272	$	47,821

Unfunded Commitment

Schedule of activity in the ACL on unfunded commitments

	Commercial		Commercial		Commercial		Residential
	Real Estate		Construction		and Industrial		Real Estate		Consumer		Total
	(in thousands)
Balance at March 31, 2024	$	360	$	1,930	$	845	$	258	$	19	$	3,412
Provision		(1)		(663)		(43)		182		(9)		(534)
Balance at June 30, 2024	$	359	$	1,267	$	802	$	440	$	10	$	2,878
Balance at March 31, 2023	$	548	$	3,277	$	940	$	262	$	19	$	5,046
Provision		(58)		(97)		(70)		10		—		(215)
Balance at June 30, 2023	$	490	$	3,180	$	870	$	272	$	19	$	4,831

	Commercial		Commercial		Commercial		Residential
	Real Estate		Construction		and Industrial		Real Estate		Consumer		Total
	(in thousands)
Balance at December 31, 2023	$	411	$	2,351	$	882	$	254	$	20	$	3,918
Provision		(52)		(1,084)		(80)		186		(10)		(1,040)
Balance at June 30, 2024	$	359	$	1,267	$	802	$	440	$	10	$	2,878
Balance at December 31, 2022	$	628	$	3,079	$	870	$	336	$	14	$	4,927
Provision		(138)		101		—		(64)		5		(96)
Balance at June 30, 2023	$	490	$	3,180	$	870	$	272	$	19	$	4,831