ROCKLAND Federal Credit Union in Massachusetts vs the state
20.6%Denial rate+4.42 pts vs state
24.1%Decision denial rate+4.15 pts vs state
61.8%Origination rate-0.78 pts vs state
7.00%Median rate+0.38 pts vs state
0.81Rate spread (pts)+0.71 pts vs state
$141kMedian applicant income
761Loans originated
254Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,797 | 1,277 | 12.6% | 6.25% | #18 |
| 2024 | 1,876 | 1,198 | 12.0% | 7.25% | #23 |
| 2025 | 1,231 | 761 | 20.6% | 7.00% | #41 |
What ROCKLAND Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most ROCKLAND Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Plymouth County | 655 | 409 | 141 | 21.5% |
| Norfolk County | 235 | 157 | 39 | 16.6% |
| Bristol County | 171 | 96 | 40 | 23.4% |
| Middlesex County | 63 | 35 | 10 | 15.9% |
| Barnstable County | 38 | 24 | 8 | 21.1% |
| Suffolk County | 33 | 26 | 4 | 12.1% |
| Worcester County | 18 | 7 | 6 | 33.3% |
| Essex County | 15 | 5 | 6 | 40.0% |
| Hampden County | 2 | 1 | 0 | 0.0% |
| Franklin 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: 1,231 applications in 2025, of which 761 were originated and 254 denied.
20.6% of all applications, or 24.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans ROCKLAND Federal Credit Union originated in Massachusetts in 2025 was 7.00%, against a statewide median of 6.63%.
About this data. Figures are ROCKLAND 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