Applications / Mortgage Analytics / Lenders / Connecticut / Franklin Trust Federal Credit Union
Hartford, CT · Credit union · NCUA · $67.2 million assets · 52 loans in 2025
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52
loans originated, 2025
82
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Franklin Trust Federal Credit Union, a small Hartford lender, makes most of its loans in majority-minority neighborhoods and nearly half in poorer ones.
Majority-minority neighborhoods took 61.5% of its loans, against 9.8% at similar lenders (credit unions making between half and twice as many loans). Low- and moderate-income (LMI) neighborhoods took 48.1%, against 18.0%. Both are higher than at more than nine in ten peers. LMI borrowers took 46.2%, against 31.2%.
It made no home-purchase loans. Other purposes took 63.5% and refinancings 36.5%, all conventional. Its typical loan was $65,000, against $95,000 at its peers, smaller than at about four in five of them.
It made 52 loans, up 27% from 41, faster than its peers' 6% and the whole market's 10%. That was more growth than at about seven in ten of them. It filed no report for 2018 to 2022; those years are gaps, not years without lending.
In Hartford-West Hartford-East Hartford its share rose to 0.1%, ranking it 184 of 464. Liberty Bank led there. It first reported in 1991.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Franklin Trust Federal Credit Union took 82 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 63.5% · Refinance 36.5%
Conventional 100.0% · of 52 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 | 51 | 98.1% |
| Massachusetts | 1 | 1.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hartford-West Hartford-East Hartford | 51 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900TYE85Q9OTQ5O38 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 56678 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512 | 1990–2011 |
Established 1 January 1934. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Franklin Trust Federal Credit Union's data.
Franklin Trust Federal Credit Union's data
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Franklin Trust 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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