Applications / Mortgage Analytics / Lenders / Massachusetts / Liberty Bay Credit Union
Braintree, MA · Credit union · NCUA · $820 million assets · 121 loans in 2025
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121
loans originated, 2025
159
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty Bay Credit Union made fewer mortgages in 2025 but bigger ones: its 121 loans were 14% fewer than in 2024, yet the money it lent rose to $40.1 million.
Its originations fell 14%. Similar lenders (credit unions making between half and twice as many loans) rose 8%, and the whole market 10%. The decline is a long one: it made 392 loans in 2020 and 228 as recently as 2023. Which kinds of loan account for most of that fall is the open question.
Its typical loan was $245,000, up from $155,000 in 2024. At similar lenders it was $105,000, and Liberty Bay's was higher than more than nine in ten of them. Every loan it made was conventional, with no government backing.
Purchases made up 42.1% of its loans and refinances 28.1%. The rest went to home improvement and other purposes, so a good part of its lending serves members who already own their homes.
Borrowers with low or moderate incomes (LMI) took 28.9% of its loans, against 29.2% at similar lenders. Poorer neighborhoods took 17.4%, against 17.2%. In Boston-Cambridge-Newton, its largest market, it ranked 190 of 664 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Liberty Bay Credit Union took 159 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.1% · Refinance 28.1% · Other 18.2% · Home improvement 11.6%
Conventional 100.0% · of 121 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 | 117 | 96.7% |
| New Hampshire | 3 | 2.5% |
| Rhode Island | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 73 |
| Cambridge-Newton-Framingham | 27 |
| Providence-Warwick | 9 |
| Barnstable Town | 5 |
| Worcester | 4 |
| Manchester-Nashua | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007Y306QGNH6J842 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 18292 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567541 | 1992–2017 |
Established 1 January 1917. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Liberty Bay Credit Union's data.
Liberty Bay Credit Union's data
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Liberty Bay 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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