ARRHA Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
25th17.1% deniedProcesswithdrawn + incomplete share, weight 15%
65th8.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 102 | 75 | 15.7% | 17.6% | — | $11M |
| 2024 | 81 | 60 | 21.0% | 22.1% | — | $9.2M |
| 2025 | 166 | 126 | 15.7% | 17.1% | — | $24M |
What ARRHA Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 7 investment properties.
Who gets approved at ARRHA Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 47 | 35 | 20.5% |
| $100k – $150k | 50 | 37 | 15.9% |
| $150k – $250k | 46 | 35 | 16.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 21 | 14 | 22.2% |
| 35–44 | 35 | 25 | 21.9% |
| 45–54 | 38 | 30 | 18.9% |
| 55–64 | 31 | 24 | 17.2% |
| 65–74 | 21 | 18 | 5.3% |
Where ARRHA Credit Union lends
4 states and 12 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 140 | 105 | 16.4% | — | #213 |
| Connecticut | 24 | 19 | 12.5% | — | #277 |
Frequently asked questions
ARRHA Credit Union denied 17.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 25th percentile of small mortgage lenders.
In 2025, 35% of its applications were for home purchases, 24% for refinancing (including cash-out), and 41% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.