Ocean State Credit Union in Massachusetts vs the state
42.9%Denial rate+26.65 pts vs state
42.9%Decision denial rate+22.91 pts vs state
57.1%Origination rate-5.46 pts vs state
7.38%Median rate+0.75 pts vs state
1.15Rate spread (pts)+1.05 pts vs state
$82kMedian applicant income
8Loans originated
6Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 8 | 11.1% | 6.63% | #436 |
| 2024 | 12 | 7 | 25.0% | 7.25% | #435 |
| 2025 | 14 | 8 | 42.9% | 7.38% | #440 |
What Ocean State Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Ocean State Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Plymouth County | 5 | 3 | 2 | 40.0% |
| Essex County | 3 | 3 | 0 | 0.0% |
| Barnstable County | 3 | 2 | 1 | 33.3% |
| Bristol County | 2 | 0 | 2 | 100.0% |
| Norfolk County | 1 | 0 | 1 | 100.0% |
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: 14 applications in 2025, of which 8 were originated and 6 denied.
42.9% of all applications, or 42.9% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Ocean State Credit Union originated in Massachusetts in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Ocean State 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