Applications / Mortgage Analytics / Lenders / Massachusetts / Community Credit Union of Lynn
Lynn, MA · Credit union · NCUA · $181 million assets · 38 loans in 2025
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38
loans originated, 2025
58
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Credit Union of Lynn makes few loans, but big ones: its typical loan of $475,000 was larger than at nearly all similar credit unions.
Its 38 loans came to $19.8 million, against $5.5 million at similar lenders (credit unions making between half and twice as many loans). Its typical loan was $475,000, against $85,000. Jumbo loans (larger than the conforming limit) were 12.9% of its loans; most peers made none.
Low- and moderate-income (LMI) areas took 35.1% of its loans, against 17.4% at peers, more than about nine in ten of them. Majority-minority areas took 26.3%, against 9.1%. LMI borrowers took 28.9%, a little below peers' 31.6%.
Originations fell 24%, from 50 to 38, while similar lenders grew 1%. Yet its dollar total barely moved from $20.2 million in 2024. It may have chosen fewer, larger loans; the figures do not say. It made 128 loans in 2020 and 114 in 2021.
Its typical rate was 6.62%, against 6.75% at peers. Higher-priced loans (a rate well above the average for similar loans) were 3.1% of the total, against 3.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Credit Union of Lynn took 58 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.6% · Refinance 28.9% · Other 18.4%
Conventional 100.0% · of 38 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 | 38 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 33 |
| Boston | 2 |
| Worcester | 2 |
| Barnstable Town | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300R1DB8186CV7Z17 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 98799 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567558 | 1992–2017 |
Established 1 January 1955. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Community Credit Union of Lynn's data.
Community Credit Union of Lynn's data
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Community Credit Union of Lynn 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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