Freedom Credit Union in Massachusetts vs the state
19.2%Denial rate+2.96 pts vs state
23.1%Decision denial rate+3.13 pts vs state
62.4%Origination rate-0.19 pts vs state
6.75%Median rate+0.13 pts vs state
0.53Rate spread (pts)+0.44 pts vs state
$91kMedian applicant income
166Loans originated
51Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 561 | 358 | 21.4% | 5.75% | #77 |
| 2024 | 391 | 215 | 25.3% | 6.75% | #93 |
| 2025 | 266 | 166 | 19.2% | 6.75% | #131 |
What Freedom Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Freedom Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampden County | 179 | 106 | 34 | 19.0% |
| Franklin County | 44 | 31 | 7 | 15.9% |
| Hampshire County | 32 | 27 | 3 | 9.4% |
| Worcester County | 4 | 1 | 2 | 50.0% |
| Middlesex County | 2 | 0 | 2 | 100.0% |
| Berkshire County | 2 | 1 | 0 | 0.0% |
| Norfolk County | 1 | 0 | 1 | 100.0% |
| Suffolk County | 1 | 0 | 1 | 100.0% |
| Bristol 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: 266 applications in 2025, of which 166 were originated and 51 denied.
19.2% of all applications, or 23.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Freedom Credit Union originated in Massachusetts in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are Freedom 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