City Of Boston Credit Union in Massachusetts vs the state
31.4%Denial rate+15.22 pts vs state
44.0%Decision denial rate+24.05 pts vs state
37.9%Origination rate-24.74 pts vs state
—Median rate
—Rate spread (pts)
$151kMedian applicant income
53Loans originated
44Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 130 | 99 | 7.7% | — | #202 |
| 2024 | 84 | 39 | 31.0% | — | #258 |
| 2025 | 140 | 53 | 31.4% | — | #214 |
What City Of Boston Credit Union lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most City Of Boston Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 73 | 27 | 24 | 32.9% |
| Norfolk County | 32 | 13 | 11 | 34.4% |
| Plymouth County | 13 | 6 | 4 | 30.8% |
| Bristol County | 8 | 3 | 4 | 50.0% |
| Middlesex County | 6 | 1 | 0 | 0.0% |
| Worcester County | 4 | 2 | 0 | 0.0% |
| Barnstable County | 2 | 1 | 0 | 0.0% |
| Essex 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: 140 applications in 2025, of which 53 were originated and 44 denied.
31.4% of all applications, or 44.0% 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 City Of Boston 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