Greenwood Credit Union in Massachusetts vs the state
36.7%Denial rate+20.52 pts vs state
41.9%Decision denial rate+21.91 pts vs state
49.0%Origination rate-13.62 pts vs state
7.87%Median rate+1.24 pts vs state
-0.19Rate spread (pts)-0.28 pts vs state
$142kMedian applicant income
24Loans originated
18Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 44 | 37.0% | 8.00% | #238 |
| 2024 | 53 | 22 | 32.1% | 8.43% | #310 |
| 2025 | 49 | 24 | 36.7% | 7.87% | #327 |
What Greenwood Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Greenwood Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 16 | 8 | 4 | 25.0% |
| Norfolk County | 8 | 4 | 3 | 37.5% |
| Plymouth County | 5 | 2 | 2 | 40.0% |
| Worcester County | 4 | 2 | 2 | 50.0% |
| Essex County | 4 | 1 | 3 | 75.0% |
| Hampden County | 4 | 3 | 1 | 25.0% |
| Berkshire County | 2 | 2 | 0 | 0.0% |
| Barnstable County | 2 | 1 | 1 | 50.0% |
| Suffolk County | 2 | 0 | 1 | 50.0% |
| Franklin 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: 49 applications in 2025, of which 24 were originated and 18 denied.
36.7% of all applications, or 41.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Greenwood Credit Union originated in Massachusetts in 2025 was 7.87%, against a statewide median of 6.63%.
About this data. Figures are Greenwood 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