Applications / Mortgage Analytics / Lenders / Massachusetts / Sharon & Crescent United Credit Union
Sharon, MA · Credit union · NCUA · $1.4 billion assets · 360 loans in 2025
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360
loans originated, 2025
514
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sharon & Crescent United Credit Union makes far more large loans than credit unions of its size, at lower rates, and its lending grew 23% in 2025.
Jumbo loans, those larger than the conforming limit, were 10.1% of its lending, against 0.5% at the typical similar lender, a credit union making between half and twice as many loans. Few similar lenders made a larger share. Its typical loan, $125,000, was closer to theirs, at $105,000.
Its typical rate was 6.00%, lower than at more than four in five similar lenders, where 6.99% was typical. Its higher-priced share, loans at a rate well above the average for similar loans, was 0.3%, against 1.9%.
Its loans rose 23%, from 293 to 360, while similar lenders grew 7% and the whole market 10%. Even so, it made about half as many loans as the 692 of 2020, the year it merged with Crescent Credit Union.
Refinances made up 28.3% of its loans, home improvement 27.8%, purchases 23.1% and other purposes 20.8%. It lends mainly around Boston, where it ranked 121st of 664 lenders, and in Providence, where its share is 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sharon & Crescent United Credit Union took 514 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 28.3% · Home improvement 27.8% · Purchase 23.1% · Other 20.8%
Conventional 100.0% · of 360 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 | 352 | 97.8% |
| Rhode Island | 8 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 202 |
| Providence-Warwick | 107 |
| Cambridge-Newton-Framingham | 41 |
| Barnstable Town | 5 |
| Worcester | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E2EE7WCBVR5I65 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 506098 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567836 | 1992–2017 |
Established 1 January 1956. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Sharon & Crescent United Credit Union's data.
Sharon & Crescent United Credit Union's data
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Sharon & Crescent United 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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