Applications / Mortgage Analytics / Lenders / Massachusetts / Rockland Federal Credit Union
Rockland, MA · Credit union · NCUA · $3.5 billion assets · 777 loans in 2025
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777
loans originated, 2025
1,266
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rockland Federal Credit Union is a Massachusetts credit union lending mainly for home improvement and refinances, whose originations fell 36% in 2025 while similar lenders grew, and it bought more loans than nearly all of them.
It originated 777 loans, down 36% from 1,210, while similar lenders (credit unions making between half and twice as many loans) grew 8% and the whole market 10%; its growth was among the lowest of its peers. It made 1,636 in 2021. The fact pack does not show why; one possibility is a shift toward buying loans rather than making them.
It bought 249 loans, up from 155 the year before and none five years before, more than nearly all peers, most of which bought none.
Its typical loan was $125,000, against $105,000 at peers. Jumbo loans (larger than the conforming limit) were 4.7%, against 0.8%, higher than more than four in five peers, though down from 11.1%. Home improvement was 36.7% of its lending and refinances 33.2%; purchases were 14.8%.
LMI (low- and moderate-income) areas took 8.4% of its loans, against 15.1%, lower than about nineteen in twenty peers; majority-minority areas took 3.2%, against 10.5%. LMI borrowers took 29.3%, near peers' 27.3%. Possible reasons are its markets, led by Boston, Providence and Barnstable Town, and its larger loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rockland Federal Credit Union took 1,266 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 36.7% · Refinance 33.2% · Other 15.3% · Purchase 14.8%
Conventional 100.0% · of 777 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 | 761 | 97.9% |
| Rhode Island | 11 | 1.4% |
| New Hampshire | 5 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 592 |
| Providence-Warwick | 107 |
| Cambridge-Newton-Framingham | 40 |
| Barnstable Town | 24 |
| Worcester | 7 |
| Manchester-Nashua | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493000FSTFO9AWR2J40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 114998 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524224 | 1990–2017 |
Established 1 January 1985. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Rockland Federal Credit Union's data.
Rockland Federal Credit Union's data
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Rockland Federal 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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