Applications / Mortgage Analytics / Lenders / Rhode Island / Blackstone River Credit Union
Woonsocket, RI · Credit union · NCUA · $73.2 million assets · 22 loans in 2025
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22
loans originated, 2025
22
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Blackstone River Credit Union is a very small mortgage lender in Rhode Island: it made 22 home loans in 2025, small and mostly refinances, and first reported under the mortgage-disclosure law in 1996.
Its loans fell 33%, from 33 in 2024 to 22. Similar lenders, credit unions making between half and twice as many loans, slipped 5%, and the whole market grew 10%. At this size a handful of loans makes the difference: since 2018 its count has swung between 15 and 37 a year, so one weak year says little about where it is heading.
Its typical loan was $55,000, the same as in 2024, against $100,000 at similar lenders; fewer than a tenth of them lent smaller sums. Every loan was conventional, with none backed by the government. Most were refinances rather than purchases, though 22 loans are too few to read much into any share.
In Providence-Warwick, its largest market, it ranked 321 of 475 lenders, with a share that rounds to nothing. Citizens Bank led that market, ahead of United Wholesale Mortgage and Navigant Credit Union. It also lends in Worcester and Boston, where it sits near the bottom of the tables.
More than half its borrowers had low or moderate incomes, up from under half in 2024. On 22 loans that share can move a long way in a single year, so it is too small a base to set against similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Blackstone River Credit Union took 22 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 90.9% · Other 9.1%
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 |
|---|---|---|
| Rhode Island | 18 | 81.8% |
| Massachusetts | 4 | 18.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Providence-Warwick | 18 |
| Boston | 2 |
| Worcester | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300T04FOW0XMN1L26 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 584199 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 524523 | 1996–2017 |
Established 1 January 1961. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Blackstone River Credit Union's data.
Blackstone River Credit Union's data
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Blackstone River 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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