JUSTICE Federal Credit Union in Massachusetts vs the state
16.7%Denial rate+0.46 pts vs state
25.0%Decision denial rate+5.05 pts vs state
50.0%Origination rate-12.60 pts vs state
7.50%Median rate+0.88 pts vs state
0.31Rate spread (pts)+0.22 pts vs state
$167kMedian applicant income
3Loans originated
1Denied
What JUSTICE Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most JUSTICE Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 2 | 1 | 0 | 0.0% |
| Norfolk County | 1 | 0 | 1 | 100.0% |
| Essex County | 1 | 1 | 0 | 0.0% |
| Worcester County | 1 | 0 | 0 | 0.0% |
| Middlesex 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: 6 applications in 2025, of which 3 were originated and 1 denied.
16.7% of all applications, or 25.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans JUSTICE Federal Credit Union originated in Massachusetts in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are JUSTICE 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