A home-buying lender
Home purchases made up 92.8% of its loans; the rest were refinances. Its typical loan, $315,000, is more than three times the $95,000 at similar lenders, meaning credit unions making between half and twice as many loans.
Applications / Mortgage Analytics / Lenders / Massachusetts / Millbury Federal Credit Union
Millbury Federal Credit Union
Millbury, MA · Credit union · NCUA · $475 million assets · 69 loans in 2025
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69
loans originated, 2025
79
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Millbury Federal Credit Union is a home-purchase lender whose loans rose by three-quarters in 2025, faster than more than nine in ten credit unions its size.
A sharp rebound
It made 69 loans, up 77% from 39, while its peers grew 7% and the whole market 10%. Its $21.5 million of lending is more than double the peers' $9.8 million.
Lending to lower-income buyers
It made 48.5% of its loans to low- and moderate-income borrowers, against 30.9% at its peers, a higher share than nine in ten of them.
A Worcester base
Worcester, MA is its main market, where it has lent since 1996. It ranked 85 of 451 lenders there with 0.2% of the market, unchanged from a year before. Rocket Mortgage leads, with $342.6M.
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
69 loans in 2025, against a peak of 197 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Millbury Federal Credit Union took 79 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
92.8% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 92.8% · Refinance 7.2%
Conventional 100.0% · of 69 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
3 states, 6 metros, 7 counties
| State | Loans | Share |
|---|---|---|
| Massachusetts | 67 | 97.1% |
| New Hampshire | 1 | 1.4% |
| Rhode Island | 1 | 1.4% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Worcester | 62 |
| Boston | 2 |
| Barnstable Town | 1 |
| Cambridge-Newton-Framingham | 1 |
| Providence-Warwick | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TXFI7UH4GDK877 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 269393 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524543 | 1996–2017 |
Established 1 January 1934. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Millbury Federal Credit Union's data.
The data and the software behind these pages
Millbury Federal Credit Union's data
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