Applications / Mortgage Analytics / Lenders / Connecticut / FD Community Federal Credit Union
Waterbury, CT · Credit union · NCUA · $156 million assets · 56 loans in 2025
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56
loans originated, 2025
101
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FD Community Federal Credit Union, of Waterbury, Connecticut, makes small loans for home improvement and other purposes, and lends far more in poorer neighborhoods than its peers.
All 56 of its loans were for home improvement (25.0%) or other purposes (75.0%). Its typical loan, $55,000, was among the smallest tenth of similar lenders (credit unions making between half and twice as many loans), whose typical loan was $95,000. It is a lender to existing homeowners, not to buyers.
Some 37.5% of its loans were in low- and moderate-income (LMI) neighborhoods, against 17.4% at similar lenders, higher than at more than nine in ten of them. LMI borrowers took 42.9% of its loans, against 30.9%. Its share in majority-minority neighborhoods, 33.9%, is also well above its peers' 9.6%.
Loans fell 15%, from 66 to 56, while similar lenders grew by 7%. The 66 loans of 2024 were more than in 2018 or 2019, so the fall may be a return toward its usual level. It filed no reports from 2020 to 2022, a gap in the record. It merged with Greater Watertown Federal Credit Union in 2021; that lender's filings count in its market figures.
New Haven is its biggest market. It ranks 193 of 392 lenders there, with 0.1% of the market, unchanged. Rocket Mortgage and United Wholesale Mortgage lead. In Hartford it ranks 419 of 464.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. FD Community Federal Credit Union took 101 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 75.0% · Home improvement 25.0%
Conventional 100.0% · of 56 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 | 56 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New Haven | 35 |
| Hartford-West Hartford-East Hartford | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001JPW8TWJYMNE74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 870276 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 542 | 1990–2016 |
Established 1 January 1934. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: FD Community Federal Credit Union's data.
FD Community Federal Credit Union's data
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FD Community Federal 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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