Applications / Mortgage Analytics / Lenders / New Hampshire / Bellwether Community Credit Union
Manchester, NH · Credit union · NCUA · $658 million assets · 335 loans in 2025
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335
loans originated, 2025
513
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bellwether Community Credit Union lends on manufactured homes far more than other credit unions its size, and its loans rose 24% in 2025.
Manufactured homes made up 22.1% of its loans in 2025. At similar lenders, credit unions making between half and twice as many loans, the figure was 0.2%, and its share was higher than at nearly all of them. The rest of its book leans away from plain mortgages: other purposes took 35.8% and home improvement 21.5%.
Its loans rose 24% to 335, while similar lenders grew 7% and the whole market 10%. That was faster than about seven in ten of its peers. Yet its share of Manchester-Nashua slipped from 1.1% to 0.8%, so the growth may have come from non-metro New Hampshire or further afield.
Of its loans, 18.1% were higher-priced (a rate well above the average for similar loans), against 1.9% at its peers. Its denial rate on home-purchase applications was 26.0%, against 7.0%. Manufactured-home loans are often priced higher and turned down more often than loans on site-built houses, and its large share of them may account for most of both gaps.
Low- and moderate-income (LMI) borrowers took 39.0% of its loans, against 27.5% at similar lenders, a higher share than at about seven in eight of them. Poorer neighborhoods (LMI areas) took 20.9%, against 15.6%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bellwether Community Credit Union took 513 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 35.8% · Purchase 29.9% · Home improvement 21.5% · Refinance 12.8%
Conventional 100.0% · of 335 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 |
|---|---|---|
| New Hampshire | 317 | 94.6% |
| Massachusetts | 18 | 5.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Manchester-Nashua | 155 |
| Rockingham County-Strafford County | 59 |
| Cambridge-Newton-Framingham | 16 |
| Barnstable Town | 1 |
| Boston | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XKIMAP8O4OS123 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 439299 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560747 | 1990–2017 |
Established 1 January 1921. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Bellwether Community Credit Union's data.
Bellwether Community Credit Union's data
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Bellwether Community 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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