COASTAL1 Credit Union in Massachusetts vs the state
19.1%Denial rate+2.93 pts vs state
20.5%Decision denial rate+0.51 pts vs state
73.5%Origination rate+10.86 pts vs state
6.75%Median rate+0.13 pts vs state
-1.19Rate spread (pts)-1.28 pts vs state
$145kMedian applicant income
238Loans originated
62Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 344 | 258 | 18.6% | 7.25% | #107 |
| 2024 | 345 | 251 | 19.1% | 7.75% | #102 |
| 2025 | 324 | 238 | 19.1% | 6.75% | #114 |
What COASTAL1 Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most COASTAL1 Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 265 | 201 | 43 | 16.2% |
| Norfolk County | 19 | 11 | 8 | 42.1% |
| Plymouth County | 12 | 8 | 3 | 25.0% |
| Worcester County | 10 | 5 | 3 | 30.0% |
| Middlesex County | 6 | 4 | 2 | 33.3% |
| Barnstable County | 5 | 5 | 0 | 0.0% |
| Suffolk County | 4 | 3 | 1 | 25.0% |
| Essex County | 2 | 1 | 1 | 50.0% |
| Hampden 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: 324 applications in 2025, of which 238 were originated and 62 denied.
19.1% of all applications, or 20.5% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans COASTAL1 Credit Union originated in Massachusetts in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are COASTAL1 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