Havard Federal Credit Union in Massachusetts vs the state
8.7%Denial rate-7.55 pts vs state
9.9%Decision denial rate-10.02 pts vs state
77.3%Origination rate+14.67 pts vs state
6.88%Median rate+0.25 pts vs state
-0.01Rate spread (pts)-0.11 pts vs state
$191kMedian applicant income
357Loans originated
40Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 587 | 455 | 7.8% | 5.99% | #70 |
| 2024 | 548 | 430 | 9.5% | 6.99% | #74 |
| 2025 | 462 | 357 | 8.7% | 6.88% | #91 |
What Havard Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Havard Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 223 | 179 | 12 | 5.4% |
| Suffolk County | 66 | 52 | 6 | 9.1% |
| Norfolk County | 59 | 45 | 4 | 6.8% |
| Essex County | 47 | 34 | 8 | 17.0% |
| Plymouth County | 26 | 19 | 3 | 11.5% |
| Worcester County | 13 | 11 | 1 | 7.7% |
| Bristol County | 12 | 8 | 3 | 25.0% |
| Barnstable County | 10 | 6 | 1 | 10.0% |
| Hampden County | 2 | 1 | 1 | 50.0% |
| Franklin County | 2 | 1 | 1 | 50.0% |
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: 462 applications in 2025, of which 357 were originated and 40 denied.
8.7% of all applications, or 9.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Havard Federal Credit Union originated in Massachusetts in 2025 was 6.88%, against a statewide median of 6.63%.
About this data. Figures are Havard 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