Applications / Mortgage Analytics / Lenders / Massachusetts / First Citizens' Federal Credit Union
Fairhaven, MA · Credit union · NCUA · $684 million assets · 157 loans in 2025
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157
loans originated, 2025
205
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Citizens' Federal Credit Union lends mostly to refinance, and in 2025 it made 17% fewer loans while similar lenders grew.
Refinances made up 72.6% of its loans and home purchases 27.4%; it made no home-improvement or other-purpose loans. All were conventional, and none were jumbo (larger than the conforming limit). A lender this reliant on refinancing may see its count rise and fall with refinance demand.
It made 157 loans, down from 189, while similar lenders (credit unions making between half and twice as many loans) typically grew by 8%. Its change was lower than at more than eight in ten of them. Yet the money it lent rose to $34.1 million, as its typical loan grew from $75,000 to $115,000. In 2020 it made 388 loans.
In Barnstable Town, where it has lent since 1994, it ranks 52 of 369 lenders, with a share unchanged at 0.3%. In Providence-Warwick, its largest market, it ranks 113 of 475.
Low- and moderate-income (LMI) borrowers took 24.8% of its loans, down from 33.3% and lower than similar lenders' 28.9%. Its shift toward larger loans is one possible reason. Its share in LMI neighborhoods was close to its peers'.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Citizens' Federal Credit Union took 205 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 72.6% · Purchase 27.4%
Conventional 100.0% · of 157 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 | 157 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Providence-Warwick | 79 |
| Barnstable Town | 54 |
| Boston | 21 |
| Worcester | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930088NZQ6CDL0WA10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 214795 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524254 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Citizens' Federal Credit Union's data.
First Citizens' Federal Credit Union's data
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First Citizens' 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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