Liberty Bay Credit Union in Massachusetts vs the state
4.6%Denial rate-11.60 pts vs state
5.5%Decision denial rate-14.48 pts vs state
77.0%Origination rate+14.37 pts vs state
—Median rate
—Rate spread (pts)
$144kMedian applicant income
117Loans originated
7Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 272 | 220 | 6.6% | — | #123 |
| 2024 | 184 | 137 | 8.7% | — | #161 |
| 2025 | 152 | 117 | 4.6% | — | #201 |
What Liberty Bay Credit Union lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Liberty Bay Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Plymouth County | 48 | 37 | 1 | 2.1% |
| Norfolk County | 33 | 27 | 2 | 6.1% |
| Middlesex County | 21 | 17 | 1 | 4.8% |
| Suffolk County | 18 | 9 | 2 | 11.1% |
| Essex County | 11 | 10 | 0 | 0.0% |
| Bristol County | 11 | 8 | 1 | 9.1% |
| Barnstable County | 6 | 5 | 0 | 0.0% |
| Worcester County | 4 | 4 | 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: 152 applications in 2025, of which 117 were originated and 7 denied.
4.6% of all applications, or 5.5% 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 Liberty Bay 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