GFA Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
35th13.2% deniedProcesswithdrawn + incomplete share, weight 15%
41st13.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 330 | 228 | 14.2% | 16.9% | — | $39M |
| 2024 | 203 | 128 | 17.7% | 21.8% | — | $39M |
| 2025 | 236 | 175 | 11.4% | 13.2% | — | $65M |
What GFA Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 49 investment properties.
Who gets approved at GFA Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 59 | 32 | 29.8% |
| $100k – $150k | 48 | 38 | 9.5% |
| $150k – $250k | 48 | 35 | 10.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 26 | 19 | 9.5% |
| 35–44 | 42 | 27 | 20.0% |
| 45–54 | 40 | 31 | 13.9% |
| 55–64 | 48 | 30 | 22.5% |
| 65–74 | 24 | 16 | 5.9% |
Where GFA Federal Credit Union lends
7 states and 23 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 161 | 118 | 12.4% | — | #192 |
| New Hampshire | 66 | 49 | 10.6% | — | #106 |
Frequently asked questions
GFA Federal Credit Union denied 13.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 35th percentile of small mortgage lenders.
In 2025, 28% of its applications were for home purchases, 53% for refinancing (including cash-out), and 20% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.