360 Federal Credit Union in Massachusetts vs the state
28.0%Denial rate+11.79 pts vs state
29.8%Decision denial rate+9.84 pts vs state
58.0%Origination rate-4.60 pts vs state
—Median rate
—Rate spread (pts)
$102kMedian applicant income
29Loans originated
14Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 21 | 20.0% | — | #355 |
| 2024 | 47 | 30 | 21.3% | — | #320 |
| 2025 | 50 | 29 | 28.0% | — | #324 |
What 360 Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most 360 Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampden County | 45 | 28 | 11 | 24.4% |
| Hampshire County | 3 | 1 | 1 | 33.3% |
| Worcester County | 1 | 0 | 1 | 100.0% |
| Middlesex County | 1 | 0 | 1 | 100.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 50 applications in 2025, of which 29 were originated and 14 denied.
28.0% of all applications, or 29.8% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are 360 Federal Credit Union's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology