Hanscom Federal Credit Union in Massachusetts vs the state
15.2%Denial rate-1.04 pts vs state
19.4%Decision denial rate-0.54 pts vs state
59.9%Origination rate-2.67 pts vs state
7.00%Median rate+0.38 pts vs state
-0.15Rate spread (pts)-0.24 pts vs state
$165kMedian applicant income
652Loans originated
165Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,597 | 902 | 27.6% | 8.50% | #20 |
| 2024 | 1,156 | 634 | 32.7% | 8.00% | #40 |
| 2025 | 1,088 | 652 | 15.2% | 7.00% | #46 |
What Hanscom Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Hanscom Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 408 | 258 | 45 | 11.0% |
| Essex County | 202 | 116 | 46 | 22.8% |
| Norfolk County | 119 | 69 | 16 | 13.4% |
| Suffolk County | 94 | 50 | 23 | 24.5% |
| Worcester County | 85 | 50 | 7 | 8.2% |
| Plymouth County | 79 | 50 | 9 | 11.4% |
| Barnstable County | 46 | 23 | 13 | 28.3% |
| Bristol County | 33 | 22 | 3 | 9.1% |
| Hampden County | 12 | 9 | 1 | 8.3% |
| Franklin County | 4 | 0 | 1 | 25.0% |
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: 1,088 applications in 2025, of which 652 were originated and 165 denied.
15.2% of all applications, or 19.4% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Hanscom Federal Credit Union originated in Massachusetts in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are Hanscom 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