Applications / Mortgage Analytics / Lenders / Connecticut / Achieve Financial Credit Union
Berlin, CT · Credit union · NCUA · $184 million assets · 71 loans in 2025
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71
loans originated, 2025
132
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Achieve Financial Credit Union barely lends to buy homes; it makes small loans for home improvement and other purposes in Connecticut.
Other-purpose loans made up 46.5% of its lending and home improvement 35.2%; purchases were just 1.4%. Its typical loan was $55,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than nearly all of them. So its $4.6 million was lower than more than eight in ten lent.
It made 71 loans, down 28% from 99, while similar lenders grew 7% and the whole market 10%; the fall was larger than at more than nine in ten of them. Its count has swung before, from 42 in 2019 to 115 in 2022. The figures do not say why. Small home-improvement and other-purpose loans may rise and fall with members' spending plans.
None of its loans were higher-priced (a rate well above the average for similar loans), against 3.3% at similar lenders. Its typical rate, 6.50%, was a little lower than their 6.75%.
Of its loans, 23.9% were in low- and moderate-income (LMI) areas, against 17.2% at similar lenders, higher than about three in four. In Hartford-West Hartford-East Hartford, its largest market, it ranks 205 of 464 lenders. Liberty Bank leads.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Achieve Financial Credit Union took 132 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 46.5% · Home improvement 35.2% · Refinance 16.9% · Purchase 1.4%
Conventional 100.0% · of 71 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 | 71 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hartford-West Hartford-East Hartford | 52 |
| New Haven | 14 |
| Bridgeport-Stamford-Danbury | 1 |
| Norwich-New London-Willimantic | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930055Z5ZI5MLNR750 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 347198 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 561256 | 1995–2017 |
Established 1 January 1954. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: Achieve Financial Credit Union's data.
Achieve Financial Credit Union's data
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Achieve Financial 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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