Align Credit Union in Massachusetts vs the state
18.3%Denial rate+2.09 pts vs state
22.9%Decision denial rate+2.95 pts vs state
60.6%Origination rate-2.03 pts vs state
5.49%Median rate-1.13 pts vs state
-1.71Rate spread (pts)-1.80 pts vs state
$155kMedian applicant income
235Loans originated
71Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 418 | 266 | 30.4% | 3.99% | #97 |
| 2024 | 421 | 239 | 28.3% | 4.99% | #89 |
| 2025 | 388 | 235 | 18.3% | 5.49% | #97 |
What Align Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Align Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 195 | 129 | 27 | 13.8% |
| Middlesex County | 126 | 73 | 25 | 19.8% |
| Worcester County | 21 | 11 | 6 | 28.6% |
| Norfolk County | 17 | 8 | 4 | 23.5% |
| Suffolk County | 16 | 7 | 6 | 37.5% |
| Plymouth County | 8 | 4 | 1 | 12.5% |
| Barnstable County | 3 | 2 | 1 | 33.3% |
| Hampshire County | 1 | 1 | 0 | 0.0% |
| Bristol 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: 388 applications in 2025, of which 235 were originated and 71 denied.
18.3% of all applications, or 22.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Align Credit Union originated in Massachusetts in 2025 was 5.49%, against a statewide median of 6.63%.
About this data. Figures are Align 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