Franklin First Federal Credit Union in Massachusetts vs the state
7.5%Denial rate-8.71 pts vs state
7.9%Decision denial rate-12.06 pts vs state
87.5%Origination rate+24.90 pts vs state
6.74%Median rate+0.12 pts vs state
—Rate spread (pts)
$90kMedian applicant income
35Loans originated
3Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 42 | 8.5% | 5.75% | #317 |
| 2024 | 30 | 20 | 26.7% | 7.40% | #360 |
| 2025 | 40 | 35 | 7.5% | 6.74% | #350 |
What Franklin First Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Franklin First Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 39 | 34 | 3 | 7.7% |
| Hampshire 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: 40 applications in 2025, of which 35 were originated and 3 denied.
7.5% of all applications, or 7.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Franklin First Federal Credit Union originated in Massachusetts in 2025 was 6.74%, against a statewide median of 6.63%.
About this data. Figures are Franklin First 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