Direct Federal Credit Union in Massachusetts vs the state
28.0%Denial rate+11.79 pts vs state
30.4%Decision denial rate+10.48 pts vs state
63.0%Origination rate+0.36 pts vs state
—Median rate
—Rate spread (pts)
$173kMedian applicant income
425Loans originated
189Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 416 | 258 | 26.0% | 7.75% | #98 |
| 2024 | 461 | 311 | 28.0% | 8.00% | #83 |
| 2025 | 675 | 425 | 28.0% | — | #69 |
What Direct Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Direct Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 205 | 125 | 56 | 27.3% |
| Norfolk County | 196 | 132 | 50 | 25.5% |
| Essex County | 65 | 43 | 14 | 21.5% |
| Plymouth County | 56 | 35 | 17 | 30.4% |
| Suffolk County | 54 | 29 | 23 | 42.6% |
| Worcester County | 40 | 24 | 12 | 30.0% |
| Bristol County | 30 | 20 | 8 | 26.7% |
| Barnstable County | 27 | 17 | 7 | 25.9% |
| Hampden County | 1 | 0 | 1 | 100.0% |
| Dukes 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: 675 applications in 2025, of which 425 were originated and 189 denied.
28.0% of all applications, or 30.4% 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 Direct 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