Holyoke Credit Union in Massachusetts vs the state
20.8%Denial rate+4.60 pts vs state
25.0%Decision denial rate+5.05 pts vs state
61.1%Origination rate-1.53 pts vs state
—Median rate
—Rate spread (pts)
$90kMedian applicant income
91Loans originated
31Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 274 | 147 | 17.2% | — | #122 |
| 2024 | 160 | 110 | 11.9% | — | #174 |
| 2025 | 149 | 91 | 20.8% | — | #203 |
What Holyoke Credit Union lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Holyoke Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampden County | 117 | 74 | 21 | 17.9% |
| Hampshire County | 23 | 15 | 6 | 26.1% |
| Franklin County | 3 | 0 | 1 | 33.3% |
| Essex County | 2 | 0 | 2 | 100.0% |
| Worcester County | 2 | 1 | 1 | 50.0% |
| Norfolk County | 1 | 0 | 0 | 0.0% |
| Berkshire 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: 149 applications in 2025, of which 91 were originated and 31 denied.
20.8% of all applications, or 25.0% 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 Holyoke 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