Applications / Mortgage Analytics / Lenders / Massachusetts / City of Boston Credit Union
South Boston, MA · Credit union · NCUA · $559 million assets · 53 loans in 2025
City of Boston Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
53
loans originated, 2025
144
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
City of Boston Credit Union has shrunk from a lender of 216 loans in 2022 to one of 53, and it now makes almost no purchase loans.
It made 53 loans in 2025, against 216 in 2022. Its typical loan was $105,000, against $330,000 five years before, and its dollar lending $6.4 million, against $59.6 million. The figures do not show why. One possibility is a move away from larger home-purchase loans toward smaller home-improvement and other-purpose loans, which now make up half its lending.
Its loans rose 29% from a low of 41 in 2024, while similar lenders (credit unions making between half and twice as many loans) grew by 5% and the whole market by 10%. Its growth was faster than about three in four of them.
Refinances made up 47.2% of its loans and home improvement 30.2%; purchases were just 1.9%. All were conventional and none were jumbo (larger than the conforming limit).
30.2% of its loans went to majority-minority areas, against 9.8% at similar lenders, more than three in four of them, and close to its share five years before. Its share to low- and moderate-income (LMI) borrowers, also 30.2%, was near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. City of Boston Credit Union took 144 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.2% · Home improvement 30.2% · Other 20.8% · Purchase 1.9%
Conventional 100.0% · of 53 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 | 53 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 46 |
| Providence-Warwick | 3 |
| Worcester | 2 |
| Barnstable Town | 1 |
| Cambridge-Newton-Framingham | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PH44D8BB632E53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 176099 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567841 | 1993–2017 |
Established 1 January 1915. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: City of Boston Credit Union's data.
City of Boston Credit Union's data
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City of Boston 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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