Applications / Mortgage Analytics / Lenders / Massachusetts / Quincy Credit Union
Quincy, MA · Credit union · NCUA · $731 million assets · 109 loans in 2025
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109
loans originated, 2025
175
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Quincy Credit Union lends mostly for purposes other than buying a home, and its loans rose by a quarter in 2025, though they are a quarter of their 2021 peak.
Only 18.3% of its loans financed a purchase. Loans for other purposes made up 42.2% and refinancing 39.4%. All were conventional loans, and none was higher-priced (a rate well above the average for similar loans), against 3.2% at similar lenders, meaning credit unions making between half and twice as many loans.
It made 109 loans in 2025, up 25%, while similar credit unions grew by 7% and the whole market by 10%. Its lending peaked at 438 loans in 2021. Its own typical rate rose from 3.25% in 2020 to 7.12% in 2025; with refinancing two-fifths of its lending, higher rates may account for much of the fall.
Its typical loan was $125,000, against $105,000 for peers, and it lent $24.1 million in all, more than about three-quarters of them. That total rose from $16.5 million as the loan count grew.
Some 34.6% of its loans went to low- and moderate-income borrowers, against 29.5% at peers and up from 24.4% a year earlier. Its share in poorer neighborhoods, 14.7%, sat a little below the peer figure of 17.2%. It has lent in the Boston area since 1992.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Quincy Credit Union took 175 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 42.2% · Refinance 39.4% · Purchase 18.3%
Conventional 100.0% · of 109 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 | 109 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 98 |
| Providence-Warwick | 5 |
| Barnstable Town | 3 |
| Worcester | 2 |
| Cambridge-Newton-Framingham | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493006T76QKSBS2MS95 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 454096 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567709 | 1992–2017 |
Established 1 January 1937. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Quincy Credit Union's data.
Quincy Credit Union's data
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Quincy 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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