Applications / Mortgage Analytics / Lenders / Massachusetts / Alltrust Credit Union
Fairhaven, MA · Credit union · NCUA · $293 million assets · 22 loans in 2025
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22
loans originated, 2025
38
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Alltrust Credit Union, a Fairhaven, Massachusetts lender that has reported since 1992, made 22 home loans in 2025, a sliver of the 724 it made in 2020.
Its loans fell from 724 in 2020 to 241 in 2022, 65 in 2023 and 18 in 2024. The 22 loans of 2025 were a small rise on that low. The figures do not say why. Since most of its loans are refinances, its volume may rise and fall with demand for refinancing more than a purchase lender's would.
Refinances made up 86.4% of its 2025 loans; purchases and home improvement shared the rest. All were conventional, and none was jumbo (larger than the conforming limit) or higher-priced. With 22 loans, these shares rest on too few loans to read much into, and so does its rise against similar lenders, credit unions making between half and twice as many loans.
It lends in two states and three metros, with Massachusetts its main state. In Providence-Warwick, its largest market, it ranked 249 of 475 lenders; Citizens Bank led. It merged with St. Jean Baptiste Federal Credit Union in 2014, and those filings count as its own in the competition figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Alltrust Credit Union took 38 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 86.4% · Purchase 9.1% · Home improvement 4.5%
Conventional 100.0% · of 22 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 | 20 | 90.9% |
| Rhode Island | 2 | 9.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Providence-Warwick | 18 |
| Boston | 3 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549004PVBWPAZBFE759 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 215297 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567481 | 1992–2017 |
Established 1 January 1922. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Alltrust Credit Union's data.
Alltrust Credit Union's data
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Alltrust 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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