St. Mary's Bank Credit Union in Massachusetts vs the state
35.3%Denial rate+19.08 pts vs state
46.2%Decision denial rate+26.20 pts vs state
35.3%Origination rate-27.31 pts vs state
6.71%Median rate+0.08 pts vs state
0.21Rate spread (pts)+0.11 pts vs state
$121kMedian applicant income
6Loans originated
6Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 23 | 15 | 21.7% | 6.13% | #379 |
| 2024 | 16 | 11 | 18.8% | 7.25% | #419 |
| 2025 | 17 | 6 | 35.3% | 6.71% | #428 |
What St. Mary's Bank Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most St. Mary's Bank Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Essex County | 6 | 1 | 2 | 33.3% |
| Worcester County | 4 | 2 | 1 | 25.0% |
| Barnstable County | 2 | 1 | 1 | 50.0% |
| Middlesex County | 2 | 1 | 0 | 0.0% |
| Norfolk County | 2 | 1 | 1 | 50.0% |
| Suffolk 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: 17 applications in 2025, of which 6 were originated and 6 denied.
35.3% of all applications, or 46.2% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans St. Mary's Bank Credit Union originated in Massachusetts in 2025 was 6.71%, against a statewide median of 6.63%.
About this data. Figures are St. Mary's Bank 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