Applications / Mortgage Analytics / Lenders / Massachusetts / Metrowest Community Federal Credit Union
Framingham, MA · Credit union · NCUA · $142 million assets · 62 loans in 2025
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62
loans originated, 2025
68
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Metrowest Community Federal Credit Union is a small Massachusetts lender that almost never finances a purchase: refinances and home-improvement loans make up about three-quarters of its business.
Refinances made up 38.7% of its loans, home improvement 37.1% and other purposes 21.0%. Purchases were just 3.2%. Its typical loan, $105,000, sat near that of similar lenders (credit unions making between half and twice as many loans).
Its loans rose 27% to 62, faster than about seven in ten peers, which grew 7%. The rise follows a fall from 113 loans in 2022 to 49 in 2024. Its shares of the Boston and Worcester markets are tiny: it ranks 393rd of 664 lenders around Boston, where Citizens Bank and Leader Bank lead.
Low- and moderate-income borrowers took 33.9% of its loans, a little more than the 30.9% at peers. Its share in low- and moderate-income neighborhoods, 14.5%, was a little lower than their 17.4%. Loans in majority-minority neighborhoods rose to 14.5% from 4.6% in 2020, above peers' 9.6%. On about sixty loans each year, a few loans move these shares.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Metrowest Community Federal Credit Union took 68 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 38.7% · Home improvement 37.1% · Other 21.0% · Purchase 3.2%
Conventional 100.0% · of 62 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 | 62 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Cambridge-Newton-Framingham | 38 |
| Worcester | 19 |
| Boston | 4 |
| Barnstable Town | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900HWPC2WEGN8NF25 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 670971 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 54731 | 2005–2017 |
Established 1 January 1941. Reported under HMDA 2005-2025.
Mergers, name changes, data editions and corrections: Metrowest Community Federal Credit Union's data.
Metrowest Community Federal Credit Union's data
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Metrowest 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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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.
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