Applications / Mortgage Analytics / Lenders / Massachusetts / Tremont Credit Union
Milton, MA · Credit union · NCUA · $262 million assets · 35 loans in 2025
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35
loans originated, 2025
50
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Tremont Credit Union, a credit union in Milton, Massachusetts, makes few loans, but more of them in poorer and majority-minority neighborhoods than most similar lenders.
Neighborhoods of low- and moderate-income (LMI) households received 28.6% of its loans, against 17.6% at similar lenders, credit unions making between half and twice as many loans. That is more than at about four in five of them. Majority-minority neighborhoods received 34.3%, against 9.2%. With 35 loans, a few loans move these shares, so they are a rough guide.
It made 35 loans in 2025, up 21% from 29 in 2024, while similar lenders made no more than the year before. But it made 113 in both 2019 and 2020. The figures give no reason for the fall.
Refinances made up 54.3% of its loans and purchases 42.9%, and all were conventional. Its typical rate was 6.38%, against 6.75% at peers, lower than at about three in four of them. It lends in Massachusetts and one other state, around Boston, Providence and Barnstable Town, and holds no measurable share in any of those markets.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Tremont Credit Union took 50 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.3% · Purchase 42.9% · Home improvement 2.9%
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 | 32 | 91.4% |
| Rhode Island | 3 | 8.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 23 |
| Providence-Warwick | 6 |
| Cambridge-Newton-Framingham | 4 |
| Barnstable Town | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SH2PPMV71O6830 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 391285 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568349 | 1999–2017 |
Established 1 January 1952. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Tremont Credit Union's data.
Tremont Credit Union's data
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Tremont 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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