Applications / Mortgage Analytics / Lenders / Massachusetts / Holyoke Credit Union
Holyoke, MA · Credit union · NCUA · $297 million assets · 95 loans in 2025
Holyoke Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
95
loans originated, 2025
154
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Holyoke Credit Union lends more to low- and moderate-income borrowers than most similar credit unions, but its home lending has shrunk for four years in a row.
It made 95 loans in 2025, down 18% from 116 a year earlier. Similar lenders, credit unions making between half and twice as many loans, grew by 7%, and the whole market by 10%. The fall is a long one: the credit union made 305 loans in 2021 and has made fewer every year since. The peak came in 2020 and 2021, so part of the fall may be a return from those unusually busy years.
Low- and moderate-income (LMI) borrowers took 39.4% of its loans, against 30.1% at similar credit unions, a higher share than at more than three-quarters of them. That share has climbed from 33.3% in 2024. Loans in poorer neighborhoods, at 19.4%, were close to the 17.3% of its peers.
Home-improvement loans were 17.9% of its lending, beside 41.1% for purchases and 31.6% for refinances. Every loan was conventional. Its typical loan, $135,000, was larger than the $95,000 of similar credit unions.
Its largest market is Springfield, MA, where it ranks 48 of 322 lenders. Its share slipped from 0.6% to 0.5%, which may simply reflect its smaller lending. Westfield Bank leads that market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Holyoke Credit Union took 154 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.1% · Refinance 31.6% · Home improvement 17.9% · Other 9.5%
Conventional 100.0% · of 95 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 | 91 | 95.8% |
| Connecticut | 4 | 4.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Springfield | 74 |
| Amherst Town-Northampton | 15 |
| Hartford-West Hartford-East Hartford | 4 |
| Pittsfield | 1 |
| Worcester | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001F1MFNT7Y4FU47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1015092 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567875 | 1997–2017 |
Established 1 January 1911. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Holyoke Credit Union's data.
Holyoke Credit Union's data
$215
Holyoke 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.
Buy Holyoke Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]