Applications / Mortgage Analytics / Lenders / Massachusetts / Jeanne D'Arc Credit Union
Lowell, MA · Credit union · NCUA · $2.2 billion assets · 837 loans in 2025
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837
loans originated, 2025
1,065
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jeanne D'Arc Credit Union, of Lowell, makes about twice the share of its loans in low- and moderate-income areas that similar credit unions do, with loans about twice their typical size.
In 2025, 30.7% of its loans were in low- and moderate-income (LMI) tracts, against 15.1% for similar lenders (credit unions making between half and twice as many loans), higher than nearly all of them. The share was 23.1% five years earlier. Its share in majority-minority tracts, 17.8%, was also higher than about two-thirds of peers.
Its typical loan was $195,000, against $105,000 for peers, and its $253.9 million in loans was about double theirs. Purchases were 36.4% of loans, refinances 30.6% and home improvement 23.4%, all conventional.
Originations rose 1% to 837, while the typical peer grew 8% and the whole market 10%. Its loans halved between 2022 and 2023, from 1,576 to 825, and have held near that level since, against 1,713 in 2020; the fall may reflect fewer refinances at higher rates. In Manchester-Nashua its share fell from 0.7% to 0.4%; one year in a small share can move with a few loans.
Its refinance denial rate was 2.0%, against 20.3% for the typical peer, and its home-purchase rate 3.7% against 6.2%. None of its loans was higher-priced (a rate well above the average for similar loans), against 1.7% at peers.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Jeanne D'Arc Credit Union took 1,065 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 36.4% · Refinance 30.6% · Home improvement 23.4% · Other 9.6%
Conventional 100.0% · of 837 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 | 680 | 81.2% |
| New Hampshire | 154 | 18.4% |
| Maine | 3 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 555 |
| Manchester-Nashua | 89 |
| Boston | 63 |
| Rockingham County-Strafford County | 50 |
| Worcester | 43 |
| Providence-Warwick | 8 |
| Barnstable Town | 6 |
| Portland-South Portland | 3 |
| Springfield | 2 |
| Amherst Town-Northampton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KGE82WIZC87Y08 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 194392 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567352 | 1992–2017 |
Established 1 January 1911. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Jeanne D'Arc Credit Union's data.
Jeanne D'Arc Credit Union's data
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Jeanne D'Arc Credit Union 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.
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