GFA Federal Credit Union in Massachusetts vs the state
12.4%Denial rate-3.79 pts vs state
14.3%Decision denial rate-5.66 pts vs state
73.3%Origination rate+10.69 pts vs state
—Median rate
—Rate spread (pts)
$116kMedian applicant income
118Loans originated
20Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 200 | 142 | 15.0% | — | #155 |
| 2024 | 132 | 92 | 14.4% | — | #197 |
| 2025 | 161 | 118 | 12.4% | — | #192 |
What GFA Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most GFA Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 139 | 101 | 18 | 12.9% |
| Middlesex County | 8 | 5 | 1 | 12.5% |
| Bristol County | 4 | 3 | 0 | 0.0% |
| Essex County | 3 | 3 | 0 | 0.0% |
| Franklin County | 3 | 3 | 0 | 0.0% |
| Berkshire County | 2 | 2 | 0 | 0.0% |
| Barnstable County | 1 | 1 | 0 | 0.0% |
| Suffolk 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: 161 applications in 2025, of which 118 were originated and 20 denied.
12.4% of all applications, or 14.3% 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 GFA 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