Applications / Mortgage Analytics / Lenders / Connecticut / Scient Federal Credit Union
Groton, CT · Credit union · NCUA · $325 million assets · 81 loans in 2025
Scient Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
81
loans originated, 2025
120
applications, 2025
11
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Scient Federal Credit Union, based in Groton, Connecticut, makes mostly small loans for purposes other than buying or refinancing a home, and its lending halved in 2025.
Its originations fell 51% in 2025, to 81 from 167. Similar lenders (other credit unions making between half and twice as many loans) grew 6%, and the whole market 10%. Only about two in 100 similar lenders shrank faster. Demand for its main kind of loan may have fallen, or it may have chosen to lend less; the figures do not say which.
Loans for other purposes, not buying, refinancing or improving a home, made up 84.0% of its lending. Purchases were 8.6% and refinancing 7.4%. Its typical loan was $85,000, a little below the $95,000 at similar lenders. Every loan was conventional.
None of its loans was higher-priced, meaning a rate well above the average for similar loans; at the typical peer 3.4% were. Its typical rate, 6.62%, was close to peers' 6.75%.
In Norwich-New London-Willimantic, where it has reported loans since 1993, its share fell from 0.7% to 0.3%, ranking 63 of 312 lenders. That fall may simply reflect the drop in its own lending. Low- and moderate-income neighborhoods took 19.8% of its loans, above the peer figure of 17.3% and up from 3.9% five years before.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Scient Federal Credit Union took 120 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 84.0% · Purchase 8.6% · Refinance 7.4%
Conventional 100.0% · of 81 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 | 59 | 72.8% |
| Rhode Island | 6 | 7.4% |
| California | 3 | 3.7% |
| Massachusetts | 3 | 3.7% |
| Florida | 2 | 2.5% |
| North Carolina | 2 | 2.5% |
| New Jersey | 2 | 2.5% |
| Maine | 1 | 1.2% |
| Montana | 1 | 1.2% |
| New Hampshire | 1 | 1.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Norwich-New London-Willimantic | 46 |
| Providence-Warwick | 7 |
| Hartford-West Hartford-East Hartford | 6 |
| New Haven | 3 |
| Worcester | 3 |
| Raleigh-Cary | 2 |
| San Diego-Chula Vista-Carlsbad | 2 |
| Boston | 1 |
| Bozeman | 1 |
| Bridgeport-Stamford-Danbury | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300UG1DH7RQL41718 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 121697 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524029 | 1993–2017 |
Established 1 January 1983. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Scient Federal Credit Union's data.
Scient Federal Credit Union's data
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Scient 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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