Applications / Mortgage Analytics / Lenders / Massachusetts / Brightbridge Credit Union
Lawrence, MA · Credit union · NCUA · $2.2 billion assets · 646 loans in 2025
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646
loans originated, 2025
877
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Brightbridge Credit Union is a Massachusetts credit union that makes larger loans and lends more in LMI (low- and moderate-income) areas than most similar credit unions, though its loans fell 13% in 2025.
It made 646 loans, down 13% from 745, while similar lenders (credit unions making between half and twice as many loans) grew 6% and the whole market 10%; its growth was lower than at about seven in eight peers. Since 2020 its count has ranged between 682 and 797, so this year sits a little below that range rather than far from it.
Its typical loan, $155,000, was larger than at about three in four similar lenders, whose typical loan was $105,000. Jumbo loans (larger than the conforming limit) were 7.1%, against 0.8%, down from 11.2% in 2024. Home improvement made up 32.7% of its loans, refinances 31.0% and purchases 23.7%.
LMI areas took 24.8% of its loans, against 15.1% at similar lenders, more than about nine in ten of them. LMI borrowers took 33.9%, against 26.9%, more than three in four. Its share in majority-minority areas, 11.6%, was near the middle.
It ranked 80 of 664 lenders in Boston-Cambridge-Newton and 108 of 451 in Worcester, where its share fell 0.2 points to 0.1%; Rocket Mortgage led Worcester. The fall may reflect its lower loan count.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Brightbridge Credit Union took 877 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 32.7% · Refinance 31.0% · Purchase 23.7% · Other 12.7%
Conventional 100.0% · of 646 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 | 495 | 76.6% |
| New Hampshire | 140 | 21.7% |
| Maine | 6 | 0.9% |
| Connecticut | 3 | 0.5% |
| Rhode Island | 2 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 321 |
| Rockingham County-Strafford County | 118 |
| Boston | 105 |
| Worcester | 31 |
| Providence-Warwick | 29 |
| Manchester-Nashua | 11 |
| Portland-South Portland | 5 |
| Barnstable Town | 4 |
| Springfield | 3 |
| Hartford-West Hartford-East Hartford | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300L4PTYXDMX1GS50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 690483 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510066 | 1990–2017 |
Established 1 January 1955. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Brightbridge Credit Union's data.
Brightbridge Credit Union's data
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Brightbridge 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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