MassMutual Federal Credit Union in Massachusetts vs the state
14.4%Denial rate-1.82 pts vs state
16.7%Decision denial rate-3.28 pts vs state
71.9%Origination rate+9.34 pts vs state
7.25%Median rate+0.63 pts vs state
0.04Rate spread (pts)-0.05 pts vs state
$126kMedian applicant income
100Loans originated
20Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 189 | 145 | 11.1% | 6.50% | #157 |
| 2024 | 142 | 118 | 8.5% | 8.25% | #186 |
| 2025 | 139 | 100 | 14.4% | 7.25% | #215 |
What MassMutual Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most MassMutual Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hampden County | 79 | 74 | 3 | 3.8% |
| Hampshire County | 14 | 14 | 0 | 0.0% |
| Barnstable County | 5 | 4 | 0 | 0.0% |
| Worcester County | 4 | 4 | 0 | 0.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Middlesex County | 2 | 1 | 1 | 50.0% |
| Suffolk County | 1 | 0 | 0 | 0.0% |
| Berkshire County | 1 | 0 | 0 | 0.0% |
| Essex 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: 139 applications in 2025, of which 100 were originated and 20 denied.
14.4% of all applications, or 16.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans MassMutual Federal Credit Union originated in Massachusetts in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are MassMutual 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