Applications / Mortgage Analytics / Lenders / Massachusetts / Mass Bay Credit Union
South Boston, MA · Credit union · NCUA · $362 million assets · 43 loans in 2025
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43
loans originated, 2025
110
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mass Bay Credit Union is a small South Boston lender whose 43 loans in 2025 went more often than its peers' to poorer neighborhoods.
It made 43 loans, against 47 in 2024, a fall of 9% when similar lenders, credit unions making between half and twice as many loans, grew by 3% and the whole market by 10%. Between 2018 and 2021 it made 13 or fewer a year; then 42 in 2022 and 314 in 2023. The 2023 count is far out of line with the years around it, and the filings do not say why.
Of its loans, 27.9% were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 17.2% at similar lenders, higher than at four in five of them. It also made 16.3% of its loans in majority-minority neighborhoods, against 9.3% for peers.
Home purchases made up 62.8% of its lending and refinances 25.6%; all of it was conventional, with no government-backed loans. Its lending centers on the Boston-Cambridge-Newton market, where it has lent since 1994, with smaller amounts in Worcester and Barnstable Town. With so few loans, its share in each of those markets is too small to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mass Bay Credit Union took 110 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 62.8% · Refinance 25.6% · Home improvement 9.3% · Other 2.3%
Conventional 100.0% · of 43 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 | 42 | 97.7% |
| New Hampshire | 1 | 2.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Boston | 24 |
| Cambridge-Newton-Framingham | 15 |
| Worcester | 2 |
| Barnstable Town | 1 |
| Rockingham County-Strafford County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003VEEM09F16U659 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 22196 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568137 | 1994–2017 |
Established 1 January 1936. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Mass Bay Credit Union's data.
Mass Bay Credit Union's data
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Mass Bay 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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