LEI 2549001JPW8TWJYMNE74 · Waterbury, CT
FD Community FCU
Originated-loan volume lands in the lower fleet tercile (66 funded) - a thin book relative to the 124 applications disclosed.
Originated-volume tercile vs fleet
FD Community FCU funded 66 mortgages, lower fleet tercile (below ~78 originations), ranking #3,472 of 4,908 by originated-loan volume and sits below the 1,000-application origination-share board (124 applications).
- n/a
- Below 1,000-app share board
- 53.2%
- Origination share
- 66
- Originated
- 30.6%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
124reported applications
Where FD Community FCU sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
66 29th percentile higher than 29% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · FD Community FCU
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · FD Community FCU
Lender-reported HMDA denial-reason counts (top reasons shown).
Thin originated book. FD Community FCU funded 66 mortgages, below the fleet lower tercile (~78) - so rates swing on small counts; read denial and purpose shares with that denominator in mind. Most-cited denial codes: Other, Credit history, Debt-to-income ratio. Program weight concentrates in Conventional (124 applications).
How to read FD Community FCU. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · FD Community FCU
FD Community FCU filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 124 | 66 | 38 | $65,242 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for FD Community FCU (LEI: 2549001JPW8TWJYMNE74) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Other | 95 | 48 | $67,737 |
| Home Improvement | 24 | 14 | $55,833 |
| Refinancing | 4 | 3 | $62,500 |
| Cash-out Refinancing | 1 | 1 | $65,000 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 57 | 59.6% | 28.1% |
| Black or African American * | 12 | 75.0% | 8.3% |
| Joint * | 4 | 50.0% | 25.0% |
| Asian * | 3 | 66.7% | 0.0% |
| Native Hawaiian or Other Pacific Islander * | 3 | 0.0% | 100.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 62 | 59.7% | 24.2% |
| Hispanic or Latino * | 12 | 41.7% | 41.7% |
| Joint * | 4 | 75.0% | 25.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Nearby Lenders in CT
Other HMDA-reporting lenders in CT with similar activity. Compare any two side-by-side.
One of 61 other HMDA-reporting lenders in CT, 5 are shown here.
Planet Home Lending, LLC
MERIDEN, CT
RCN Capital, LLC
South Windsor, CT
Total Mortgage Services, LLC
MILFORD, CT
Webster Bank, N.A.
Stamford, CT
RCN Capital, LLC
South Windsor, CT
Read with FD Community FCU
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 for FD Community FCU (LEI 2549001JPW8TWJYMNE74).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Informational only, not mortgage advice for applicants at FD Community FCU.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This FD Community FCU page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.