Applications / Mortgage Analytics / Lenders / Massachusetts / Athol Credit Union
Athol, MA · Credit union · NCUA · $97.7 million assets · 41 loans in 2025
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41
loans originated, 2025
55
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Athol Credit Union makes far bigger loans than credit unions of its size, and in 2025 it made many more of them.
Its typical loan was $275,000. At similar credit unions (those making between half and twice as many loans) it was $95,000, and its figure was higher than more than nine in ten of them. So its dollar volume, $12.3 million, was about double the peer figure even though its loan count was close to theirs. Half its loans were for home purchase.
Originations rose from 24 to 41, up 71%. Similar lenders grew 3% and the whole market 10%. On a base this small a few dozen loans make a large percentage, and lending remains below the 74 loans of 2020.
Of its loans, 36.6% were in low- and moderate-income (LMI) census tracts, against 17.4% at similar credit unions, higher than about nine in ten of them. All its lending was in three Massachusetts counties, so the share may simply reflect where its small home area lies.
In Worcester, MA, its largest market, it ranked 130 of 451 lenders with a 0.1% share, unchanged from the year before. It has lent there since 2004.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Athol Credit Union took 55 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.2% · Refinance 39.0% · Home improvement 7.3% · Other 2.4%
Conventional 100.0% · of 41 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 | 41 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 30 |
| Cambridge-Newton-Framingham | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930075V56LV2823P16 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 428798 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 566819 | 2004–2017 |
Established 1 January 1930. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Athol Credit Union's data.
Athol Credit Union's data
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Athol 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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