First Citizens' Federal Credit Union in Massachusetts vs the state
7.4%Denial rate-8.82 pts vs state
8.6%Decision denial rate-11.33 pts vs state
77.3%Origination rate+14.74 pts vs state
—Median rate
—Rate spread (pts)
$133kMedian applicant income
157Loans originated
15Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 292 | 234 | 7.5% | — | #118 |
| 2024 | 262 | 187 | 11.8% | — | #125 |
| 2025 | 203 | 157 | 7.4% | — | #160 |
What First Citizens' Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most First Citizens' Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 100 | 79 | 6 | 6.0% |
| Barnstable County | 71 | 54 | 7 | 9.9% |
| Plymouth County | 25 | 20 | 1 | 4.0% |
| Norfolk County | 3 | 1 | 1 | 33.3% |
| Worcester County | 3 | 2 | 0 | 0.0% |
| Dukes 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: 203 applications in 2025, of which 157 were originated and 15 denied.
7.4% of all applications, or 8.6% 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 First Citizens' 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