Applications / Mortgage Analytics / Lenders / Massachusetts / Westport Federal Credit Union
Westport, MA · Credit union · NCUA · $80.9 million assets · 35 loans in 2025
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35
loans originated, 2025
37
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Westport Federal Credit Union is a small Massachusetts lender whose mortgage business is mostly home-improvement loans and refinances rather than home purchases.
Home-improvement loans made up 42.9% of its 35 loans in 2025 and refinances 31.4%. Purchases were only 20.0%. Every loan was conventional, with no government backing. That makes it a lender to existing homeowners in its area more than to buyers.
Its 35 loans were up from 20 in 2024. Similar lenders, credit unions making between half and twice as many loans, were flat at the middle, so its growth was faster than at more than nine in ten of them. Its volume has always moved about: 49 loans in 2018, 11 in 2020, 12 in 2023. At these numbers a handful of loans changes the totals, so year-to-year shifts in its shares mean little.
It lends in two counties in two states, all within one metro, Providence-Warwick. There it ranks 148th of 475 lenders with a 0.1% share, in a market led by Citizens Bank. It has filed reports since 1990, when the public record begins.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Westport Federal Credit Union took 37 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 42.9% · Refinance 31.4% · Purchase 20.0% · Other 5.7%
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 | 33 | 94.3% |
| Rhode Island | 2 | 5.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Providence-Warwick | 35 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490010UA3IZPDO2Q49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 225380 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 57652 | 1990–2017 |
Established 1 January 1952. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Westport Federal Credit Union's data.
Westport Federal Credit Union's data
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Westport 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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