Applications / Mortgage Analytics / Lenders / Massachusetts / Boston Firefighters Credit Union
Dorchester, MA · Credit union · NCUA · $440 million assets · 60 loans in 2025
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60
loans originated, 2025
80
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Boston Firefighters Credit Union makes far larger loans than almost any similar credit union, and its lending nearly doubled in 2025, though it remains well below its 2021 peak.
Its typical loan was $505,000, against $95,000 for similar lenders, credit unions making between half and twice as many loans. That is higher than almost all of them. Its 60 loans came to $31.3 million, more than about nine in ten of the group. All were for purchase or refinance, with no home-improvement or other lending, which may help explain the size.
Its loans rose 88%, from 32 to 60, against 7% for similar credit unions and 10% for the whole market. The base was low. It made 278 loans in 2021 and only 26 in 2023.
Borrowers with low or moderate incomes received 13.3% of its loans, against 30.6% at similar credit unions, among the lowest tenth. Its lending is mostly large purchase loans, which tend to go to better-off borrowers; that is one possible reason. The share was 6.2% the year before.
Its biggest market is Boston-Cambridge-Newton, where it ranks 222 of 664 lenders. It also lends in Barnstable Town, Worcester and Providence-Warwick, with a very small share in each.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Boston Firefighters Credit Union took 80 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.0% · Refinance 30.0%
Conventional 100.0% · of 60 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 | 57 | 95.0% |
| New Hampshire | 3 | 5.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 42 |
| Cambridge-Newton-Framingham | 6 |
| Barnstable Town | 4 |
| Providence-Warwick | 2 |
| Worcester | 2 |
| Manchester-Nashua | 1 |
| Rockingham County-Strafford County | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300N16X2LRUQEUQ50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 167499 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567837 | 2001–2017 |
Established 1 January 1947. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Boston Firefighters Credit Union's data.
Boston Firefighters Credit Union's data
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Boston Firefighters 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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