Applications / Mortgage Analytics / Lenders / Massachusetts / All One Credit Union
Leominster, MA · Credit union · NCUA · $869 million assets · 492 loans in 2025
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492
loans originated, 2025
740
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
All One Credit Union, a refinance and home-improvement lender, ranks 29 of 451 lenders in Worcester, MA, but made 23% fewer loans in 2025.
It made 492 loans, against 642 in 2024, while similar lenders (credit unions making between half and twice as many loans) grew 6%. Its fall was larger than at nearly all of them. It had made 712 in 2022 and 664 in 2023. The public data do not say whether weaker demand or its own choices drove the fall.
Its share of Worcester fell to 0.9% from 1.3%. Rocket Mortgage and United Wholesale Mortgage led there. The fall matches its own lower loan count.
Refinances made up 35.8% of its loans and home improvement 32.9%; purchases were only 16.3%. Its typical loan, $125,000, was larger than at about three in five similar lenders.
Low- and moderate-income (LMI) borrowers took 32.7% of its loans, against 27.6% at similar lenders, more than at about seven in ten. LMI neighborhoods took 13.2%, against 15.4%, a little lower; the make-up of the areas it serves is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. All One Credit Union took 740 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 35.8% · Home improvement 32.9% · Purchase 16.3% · Other 15.0%
Conventional 100.0% · of 492 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 | 488 | 99.2% |
| New Hampshire | 2 | 0.4% |
| Rhode Island | 2 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 431 |
| Cambridge-Newton-Framingham | 38 |
| Boston | 6 |
| Springfield | 6 |
| Amherst Town-Northampton | 4 |
| Barnstable Town | 3 |
| Manchester-Nashua | 2 |
| Providence-Warwick | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008H38W2EPJ8ZQ43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 430595 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566699 | 1992–2017 |
Established 1 January 1954. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: All One Credit Union's data.
All One Credit Union's data
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All One 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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