Applications / Mortgage Analytics / Lenders / Massachusetts / St. Mary's Credit Union
Marlborough, MA · Credit union · NCUA · $1.0 billion assets · 186 loans in 2025
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186
loans originated, 2025
271
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
St. Mary's Credit Union makes bigger loans than most credit unions its size, and more than a quarter of them improve homes, but its lending shrank for a third straight year in 2025.
It made 186 loans in 2025, 18% fewer than in 2024, while similar lenders (credit unions making between half and twice as many loans) grew 7% and the whole market grew 10%. Its change was lower than at nearly nine in ten of them. Its loans peaked at 513 in 2022. The data do not show why they have fallen since.
Its typical loan was $165,000, against $105,000 at similar lenders, larger than at more than four in five of them. Jumbo loans, larger than the conforming limit, made up 8.6% of its lending; the typical peer made none. Its typical rate was 6.50%, a little under peers' 6.75%.
Its lending splits almost evenly three ways: refinances 31.7%, home purchases 30.6% and home improvement 26.9%. Every loan was conventional. Much of its business is with people who already own their homes.
Only 8.6% of its loans went to low- and moderate-income (LMI) neighborhoods, against 17.1% at peers, among the lowest tenth. Its share of loans to LMI borrowers, 23.0%, is closer to peers' 27.9%. The gap may reflect where its members live or its larger loans; the data do not say which.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. St. Mary's Credit Union took 271 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 31.7% · Purchase 30.6% · Home improvement 26.9% · Other 10.8%
Conventional 100.0% · of 186 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 | 186 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 87 |
| Cambridge-Newton-Framingham | 78 |
| Boston | 14 |
| Amherst Town-Northampton | 2 |
| Providence-Warwick | 2 |
| Barnstable Town | 1 |
| Springfield | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Y7VXZSDR0D6I81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 557595 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 567864 | 1993–2017 |
Established 1 January 1913. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: St. Mary's Credit Union's data.
St. Mary's Credit Union's data
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St. Mary's 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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