St. Mary's Credit Union in Massachusetts vs the state
12.9%Denial rate-3.29 pts vs state
15.4%Decision denial rate-4.53 pts vs state
68.6%Origination rate+6.03 pts vs state
6.50%Median rate-0.13 pts vs state
0.41Rate spread (pts)+0.32 pts vs state
$162kMedian applicant income
186Loans originated
35Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 565 | 416 | 12.7% | 6.63% | #76 |
| 2024 | 324 | 226 | 15.7% | 6.63% | #106 |
| 2025 | 271 | 186 | 12.9% | 6.50% | #129 |
What St. Mary's 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 Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 123 | 87 | 15 | 12.2% |
| Middlesex County | 116 | 76 | 19 | 16.4% |
| Norfolk County | 11 | 8 | 0 | 0.0% |
| Suffolk County | 7 | 4 | 0 | 0.0% |
| Essex County | 4 | 2 | 1 | 25.0% |
| Plymouth County | 2 | 2 | 0 | 0.0% |
| Bristol County | 2 | 2 | 0 | 0.0% |
| Hampshire County | 2 | 2 | 0 | 0.0% |
| Barnstable County | 2 | 1 | 0 | 0.0% |
| Nantucket 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: 271 applications in 2025, of which 186 were originated and 35 denied.
12.9% of all applications, or 15.4% 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 Credit Union originated in Massachusetts in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are St. Mary's 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