Applications / Mortgage Analytics / Lenders / Connecticut / Ellafi Federal Credit Union FKA Seasons Federal Credit Union
Middletown, CT · Credit union · NCUA · $176 million assets · 152 loans in 2025
Ellafi Federal Credit Union FKA Seasons Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
152
loans originated, 2025
200
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ellafi Federal Credit Union FKA Seasons Federal Credit Union, a small Connecticut credit union, made 79% more loans in 2025, almost all to people who already own their homes.
It made 152 loans, up from 85. That growth was higher than at about nine in ten similar lenders (credit unions making between half and twice as many loans), whose typical gain was 8%; the whole market grew 10%. It is its highest count since at least 2018, above the 128 of 2020. Which kind of loan drove the jump is an open question.
Home improvement made up 46.7% of its lending, other purposes 26.3% and refinancing 25.0%. Purchases were just 2.0%. Its typical loan was $75,000, against $105,000 at similar lenders. That pattern fits a credit union whose members already own their homes.
Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 11.2% of its loans, against 17.3% at similar lenders, and majority-minority neighborhoods 4.6%, against 9.9%. Its share to LMI borrowers, 27.8%, was near the middle. Where its members live, and lending to existing owners, are possible reasons. Its largest market is Hartford-West Hartford-East Hartford, CT, where it ranks 114 of 464 lenders with 0.1%; in New Haven, CT its share rose to 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Ellafi Federal Credit Union FKA Seasons Federal Credit Union took 200 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 46.7% · Other 26.3% · Refinance 25.0% · Purchase 2.0%
Conventional 100.0% · of 152 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 |
|---|---|---|
| Connecticut | 152 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hartford-West Hartford-East Hartford | 97 |
| New Haven | 50 |
| Bridgeport-Stamford-Danbury | 2 |
| Norwich-New London-Willimantic | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900O86JRT86YLQO47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 858274 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5854 | 1999–2017 |
Established 1 January 1935. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Ellafi Federal Credit Union FKA Seasons Federal Credit Union's data.
Ellafi Federal Credit Union FKA Seasons Federal Credit Union's data
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