SHARON & CRESCENT UNITED Credit Union in Massachusetts vs the state
11.7%Denial rate-4.56 pts vs state
13.7%Decision denial rate-6.24 pts vs state
70.7%Origination rate+8.08 pts vs state
6.00%Median rate-0.63 pts vs state
-0.16Rate spread (pts)-0.26 pts vs state
$154kMedian applicant income
352Loans originated
58Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 554 | 410 | 12.1% | 6.25% | #78 |
| 2024 | 424 | 288 | 15.6% | 6.75% | #87 |
| 2025 | 498 | 352 | 11.7% | 6.00% | #88 |
What SHARON & CRESCENT UNITED Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most SHARON & CRESCENT UNITED Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Norfolk County | 166 | 124 | 12 | 7.2% |
| Bristol County | 135 | 99 | 17 | 12.6% |
| Plymouth County | 109 | 61 | 21 | 19.3% |
| Middlesex County | 46 | 38 | 3 | 6.5% |
| Suffolk County | 20 | 17 | 3 | 15.0% |
| Barnstable County | 8 | 5 | 0 | 0.0% |
| Worcester County | 7 | 5 | 2 | 28.6% |
| Essex County | 4 | 3 | 0 | 0.0% |
| Hampshire County | 1 | 0 | 0 | 0.0% |
| Franklin County | 1 | 0 | 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: 498 applications in 2025, of which 352 were originated and 58 denied.
11.7% of all applications, or 13.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans SHARON & CRESCENT UNITED Credit Union originated in Massachusetts in 2025 was 6.00%, against a statewide median of 6.63%.
About this data. Figures are SHARON & CRESCENT UNITED 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