Applications / Mortgage Analytics / Lenders / Massachusetts / Franklin First Federal Credit Union
Greenfield, MA · Credit union · NCUA · $86.5 million assets · 35 loans in 2025
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35
loans originated, 2025
41
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Franklin First Federal Credit Union, in Greenfield, Massachusetts, lends only for home improvement, and most of its borrowers have low or moderate incomes.
All 35 of its loans in 2025 were for home improvement. Its typical loan was $65,000, smaller than at most similar lenders, credit unions making between half and twice as many loans, where it was $95,000. Its loans added up to $2.3 million, less than half the peers' $5.2 million.
Of its borrowers, 60.0% had low or moderate incomes, against 31.6% at similar credit unions. That is higher than at about nineteen in twenty of them. The share has risen from 37.1% in 2020 and 45.0% in 2024.
Its loans rose 75%, from 20 to 35, while similar credit unions held steady; it grew faster than nine in ten of them. The rise looks like a return rather than a leap: it made 37 loans in 2019, 38 in 2020 and 42 in 2023. It filed no report for 2018, 2021 or 2022, gaps in the record rather than years without lending.
It lends in 2 counties and has reported home loans since 2004. In non-metro Massachusetts it ranked 98 of 232 lenders; JPMorgan Chase Bank and The Cape Cod Five Cents Savings Bank lead there.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Franklin First Federal Credit Union took 41 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 100.0%
Conventional 100.0% · of 35 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 | 35 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Amherst Town-Northampton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900IX4HTUQ7A5Z642 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 138284 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512604 | 2004–2016 |
Established 1 January 1958. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Franklin First Federal Credit Union's data.
Franklin First Federal Credit Union's data
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Franklin First 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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