Fall River Municipal Credit Union in Massachusetts vs the state
19.6%Denial rate+3.34 pts vs state
22.3%Decision denial rate+2.34 pts vs state
57.5%Origination rate-5.06 pts vs state
6.75%Median rate+0.13 pts vs state
0.65Rate spread (pts)+0.55 pts vs state
$86kMedian applicant income
103Loans originated
35Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 222 | 137 | 18.5% | 5.99% | #148 |
| 2024 | 207 | 116 | 27.1% | 6.90% | #146 |
| 2025 | 179 | 103 | 19.6% | 6.75% | #176 |
What Fall River Municipal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Fall River Municipal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 114 | 70 | 24 | 21.1% |
| Plymouth County | 44 | 27 | 3 | 6.8% |
| Barnstable County | 9 | 4 | 2 | 22.2% |
| Norfolk County | 2 | 1 | 1 | 50.0% |
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: 179 applications in 2025, of which 103 were originated and 35 denied.
19.6% of all applications, or 22.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Fall River Municipal Credit Union originated in Massachusetts in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Fall River Municipal 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