MASS BAY Credit Union in Massachusetts vs the state
28.3%Denial rate+12.09 pts vs state
41.1%Decision denial rate+21.15 pts vs state
39.6%Origination rate-22.98 pts vs state
—Median rate
—Rate spread (pts)
$163kMedian applicant income
42Loans originated
30Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 581 | 301 | 22.9% | — | #72 |
| 2024 | 109 | 44 | 34.9% | — | #216 |
| 2025 | 106 | 42 | 28.3% | — | #242 |
What MASS BAY Credit Union lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most MASS BAY Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 30 | 11 | 7 | 23.3% |
| Suffolk County | 22 | 7 | 7 | 31.8% |
| Norfolk County | 18 | 9 | 6 | 33.3% |
| Plymouth County | 17 | 8 | 4 | 23.5% |
| Worcester County | 8 | 2 | 2 | 25.0% |
| Essex County | 7 | 4 | 2 | 28.6% |
| Bristol County | 3 | 0 | 2 | 66.7% |
| Barnstable 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: 106 applications in 2025, of which 42 were originated and 30 denied.
28.3% of all applications, or 41.1% 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 MASS 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