Central One Federal Credit Union in Massachusetts vs the state
13.8%Denial rate-2.38 pts vs state
16.3%Decision denial rate-3.68 pts vs state
71.1%Origination rate+8.54 pts vs state
6.50%Median rate-0.13 pts vs state
-0.70Rate spread (pts)-0.79 pts vs state
$150kMedian applicant income
530Loans originated
103Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 722 | 495 | 14.0% | 7.25% | #55 |
| 2024 | 779 | 550 | 14.0% | 7.50% | #56 |
| 2025 | 745 | 530 | 13.8% | 6.50% | #64 |
What Central One Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Central One Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 597 | 441 | 73 | 12.2% |
| Middlesex County | 68 | 37 | 15 | 22.1% |
| Norfolk County | 32 | 22 | 6 | 18.8% |
| Essex County | 11 | 5 | 3 | 27.3% |
| Bristol County | 8 | 5 | 2 | 25.0% |
| Plymouth County | 5 | 4 | 0 | 0.0% |
| Barnstable County | 5 | 5 | 0 | 0.0% |
| Berkshire County | 5 | 2 | 1 | 20.0% |
| Suffolk County | 4 | 1 | 2 | 50.0% |
| Franklin County | 4 | 4 | 0 | 0.0% |
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: 745 applications in 2025, of which 530 were originated and 103 denied.
13.8% of all applications, or 16.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Central One Federal Credit Union originated in Massachusetts in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Central One 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