Quincy Credit Union in Massachusetts vs the state
13.7%Denial rate-2.50 pts vs state
17.7%Decision denial rate-2.30 pts vs state
62.3%Origination rate-0.31 pts vs state
7.13%Median rate+0.50 pts vs state
0.99Rate spread (pts)+0.90 pts vs state
$140kMedian applicant income
109Loans originated
24Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 230 | 136 | 20.0% | 6.69% | #142 |
| 2024 | 134 | 87 | 20.2% | 7.50% | #196 |
| 2025 | 175 | 109 | 13.7% | 7.13% | #180 |
What Quincy Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Quincy Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Norfolk County | 82 | 46 | 14 | 17.1% |
| Plymouth County | 73 | 51 | 5 | 6.8% |
| Bristol County | 9 | 5 | 3 | 33.3% |
| Suffolk County | 3 | 1 | 0 | 0.0% |
| Barnstable County | 3 | 3 | 0 | 0.0% |
| Hampden County | 2 | 0 | 2 | 100.0% |
| Worcester County | 2 | 2 | 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: 175 applications in 2025, of which 109 were originated and 24 denied.
13.7% of all applications, or 17.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Quincy Credit Union originated in Massachusetts in 2025 was 7.13%, against a statewide median of 6.63%.
About this data. Figures are Quincy 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