Applications / Mortgage Analytics / Lenders / Connecticut / Waterbury CT Teachers Federal Credit Union
Middlebury, CT · Credit union · NCUA · $354 million assets · 99 loans in 2025
Waterbury CT Teachers Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
99
loans originated, 2025
118
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Waterbury CT Teachers Federal Credit Union lends on homes its members already own: only 1.0% of its loans in 2025 were for buying one.
Refinancing made up 47.5% of its 99 loans, home improvement 31.3% and other purposes 20.2%. That mix may explain why its loans are small: $75,000 typically, against $95,000 at similar lenders (credit unions making between half and twice as many loans).
Its typical rate was 6.49%, against 6.75% at similar lenders, lower than about seven in ten of them. Its share of higher-priced loans (a rate well above the average for similar loans) was 4.8%, near the middle of its peers. That share was 25.9% in 2024, and why it was so much higher that year is an open question.
The credit union made between 230 and 247 loans a year from 2020 to 2023, then 87 in 2024. It recovered a little in 2025, to 99 loans, up 14% against 8% for similar lenders.
It made 18.2% of its loans in low- and moderate-income (LMI) neighborhoods and 11.1% in majority-minority ones, close to its peers' 17.2% and 9.2%. Its share to LMI borrowers, 25.2%, was a little below their 30.0%, possibly because it lends almost only to people who already own their homes. Its lending stays in Connecticut, in five counties.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Waterbury CT Teachers Federal Credit Union took 118 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.5% · Home improvement 31.3% · Other 20.2% · Purchase 1.0%
Conventional 100.0% · of 99 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 | 99 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New Haven | 44 |
| Bridgeport-Stamford-Danbury | 27 |
| Hartford-West Hartford-East Hartford | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001BJFQ0EM41N379 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 61074 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 522 | 1997–2017 |
Established 1 January 1934. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Waterbury CT Teachers Federal Credit Union's data.
Waterbury CT Teachers Federal Credit Union's data
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Waterbury CT Teachers 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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