Applications / Mortgage Analytics / Lenders / Connecticut / Riverbank Federal Credit Union
Windsor Locks, CT · Credit union · NCUA · $86.5 million assets · 44 loans in 2025
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44
loans originated, 2025
50
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Riverbank Federal Credit Union, of Windsor Locks, Connecticut, lends mostly to people fixing up homes they already own: home-improvement loans were 45.5% of its 44 loans in 2025.
Other-purpose loans added 34.1%, purchase loans 18.2% and refinancings just 2.3%. Its typical loan was $80,000, against $92,500 at similar credit unions (credit unions making between half and twice as many loans). All its loans were conventional.
Borrowers with low or moderate incomes took 47.7% of its loans, against 31.2% at similar credit unions, more than at four in five of them. It made no loans in low- and moderate-income (LMI) neighborhoods or majority-minority neighborhoods, where its peers made 17.4% and 9.6% of theirs. It lends in five counties, and with 44 loans a handful of loans would change either share.
It made 45 loans in 2024 and 44 in 2025, while the whole market grew 10%. It filed no HMDA report for 2020 to 2022, so those years are gaps in the record. In Hartford, its largest market, it ranked 162 of 464 lenders with 0.1% of the market, where Liberty Bank led. 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, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Riverbank Federal Credit Union took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 45.5% · Other 34.1% · Purchase 18.2% · Refinance 2.3%
Conventional 100.0% · of 44 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 | 42 | 95.5% |
| Massachusetts | 2 | 4.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hartford-West Hartford-East Hartford | 39 |
| Norwich-New London-Willimantic | 2 |
| Springfield | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QCV4J37OC2IL06 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 404578 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53757 | 1990–2017 |
Established 1 January 1940. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Riverbank Federal Credit Union's data.
Riverbank Federal Credit Union's data
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Riverbank 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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