Applications / Mortgage Analytics / Lenders / Massachusetts / Worcester Credit Union
Worcester, MA · Credit union · NCUA · $105 million assets · 19 loans in 2025
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19
loans originated, 2025
30
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Worcester Credit Union, a small Massachusetts credit union, made 19 home loans in 2025, down from 67 the year before.
Its loans fell 72% in 2025. Similar lenders, credit unions making between half and twice as many loans, fell 5% at the typical one, so its fall was steeper than at almost all of them. Its lending has swung before, from 30 loans in 2019 to 61 in 2022 and 34 in 2023, so one year may not set a trend.
Refinances and home-improvement loans made up most of its lending, and purchases only 10.5%. Its typical loan was $75,000, against $105,000 at its peers; home-improvement loans, which are often small, may explain some of the gap, though 19 loans are too few to read much into.
In Worcester, where it has lent since 1995, it ranks 264 of 451 lenders. Its share fell to almost nothing, down 0.1 points. Its much smaller number of loans may account for that. Rocket Mortgage leads that market.
With 19 loans, its shares of lending to poorer borrowers and neighborhoods rest on a handful of loans and can swing widely. It also bought 10 loans from other lenders in 2025, more than it did the year before. It filed no report for 2021, a gap in the record.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Worcester Credit Union took 30 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.4% · Home improvement 36.8% · Purchase 10.5% · Other 5.3%
Conventional 100.0% · of 19 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 | 18 | 94.7% |
| New Hampshire | 1 | 5.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Worcester | 18 |
| Manchester-Nashua | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JH0WD7YX0UUZ21 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 562795 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564144 | 1999–2017 |
Established 1 January 1976. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Worcester Credit Union's data.
Worcester Credit Union's data
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Worcester 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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