Applications / Mortgage Analytics / Lenders / Massachusetts / UMassFive College Federal Credit Union
Hadley, MA · Credit union · NCUA · $704 million assets · 359 loans in 2025
UMassFive College Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
359
loans originated, 2025
531
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
UMassFive College Federal Credit Union lends against homes people already own: almost none of its 359 loans in 2025 financed a purchase.
Home improvement and other purposes made up more than nine in ten of its loans; purchases were 1.4%. Its typical loan, $95,000, was a little smaller than the $105,000 at similar lenders, credit unions making between half and twice as many loans.
It also bought 54 loans from other lenders, more than about nineteen in twenty similar lenders did; most of them bought none. It bought 117 in 2020.
It made 359 loans, against 152 in 2020, with most of the rise coming in 2022 and 2023. In 2025 its loans slipped 2% while similar lenders grew 7%, after a high of 413 in 2023.
In Amherst Town-Northampton, where it has lent since 1992, it ranked 10th of 199 lenders, but its share fell to 2.7% from 3.6%. Florence Bank led. Shares are counted in dollars, which favor lenders of large purchase loans. A lender of small loans on existing homes can lose share when a few larger loans drop away, and its jumbo loans (larger than the conforming limit) fell to none from 3.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. UMassFive College Federal Credit Union took 531 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 47.4% · Home improvement 45.7% · Refinance 5.6% · Purchase 1.4%
Conventional 100.0% · of 359 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 | 348 | 96.9% |
| Connecticut | 8 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Amherst Town-Northampton | 139 |
| Springfield | 65 |
| Worcester | 55 |
| Cambridge-Newton-Framingham | 16 |
| Boston | 12 |
| Hartford-West Hartford-East Hartford | 4 |
| Providence-Warwick | 4 |
| Pittsfield | 3 |
| Bridgeport-Stamford-Danbury | 2 |
| Barnstable Town | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S0KDQNIC08M074 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 472782 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 518181 | 1992–2017 |
Established 1 January 1967. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: UMassFive College Federal Credit Union's data.
UMassFive College Federal Credit Union's data
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UMassFive College 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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