Holyoke 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 D 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%
13th24.2% deniedProcesswithdrawn + incomplete share, weight 15%
28th16.9%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 283 | 153 | 16.6% | 22.9% | — | $23M |
| 2024 | 167 | 116 | 11.4% | 13.9% | — | $19M |
| 2025 | 154 | 95 | 20.1% | 24.2% | — | $15M |
What Holyoke 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, 0 manufactured homes, 6 investment properties.
Who gets approved at Holyoke 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 | 69 | 46 | 21.7% |
| $100k – $150k | 43 | 27 | 22.2% |
| $150k – $250k | 22 | 14 | 22.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 29 | 18 | 21.7% |
| 35–44 | 36 | 21 | 31.3% |
| 45–54 | 39 | 23 | 30.3% |
| 55–64 | 27 | 17 | 21.7% |
Where Holyoke Credit Union lends
2 states and 8 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 149 | 91 | 20.8% | — | #203 |
| Connecticut | 5 | 4 | 0.0% | — | #448 |
Frequently asked questions
Holyoke Credit Union denied 24.2% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 13th percentile of small mortgage lenders.
In 2025, 38% of its applications were for home purchases, 29% for refinancing (including cash-out), and 33% 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.