Credit Union Mortgage Association in Massachusetts vs the state
3.9%Denial rate-12.36 pts vs state
8.3%Decision denial rate-11.62 pts vs state
42.3%Origination rate-20.29 pts vs state
5.00%Median rate-1.63 pts vs state
-0.82Rate spread (pts)-0.91 pts vs state
$265kMedian applicant income
11Loans originated
1Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 5 | 0.0% | 5.63% | #462 |
| 2025 | 26 | 11 | 3.9% | 5.00% | #397 |
What Credit Union Mortgage Association lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Credit Union Mortgage Association applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 14 | 7 | 0 | 0.0% |
| Norfolk County | 3 | 1 | 1 | 33.3% |
| Worcester County | 2 | 1 | 0 | 0.0% |
| Suffolk County | 2 | 1 | 0 | 0.0% |
| Hampden County | 1 | 0 | 0 | 0.0% |
| Bristol County | 1 | 0 | 0 | 0.0% |
| Essex County | 1 | 0 | 0 | 0.0% |
| Barnstable County | 1 | 0 | 0 | 0.0% |
| Plymouth County | 1 | 1 | 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: 26 applications in 2025, of which 11 were originated and 1 denied.
3.9% of all applications, or 8.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Credit Union Mortgage Association originated in Massachusetts in 2025 was 5.00%, against a statewide median of 6.63%.
About this data. Figures are Credit Union Mortgage Association'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