The People's Credit Union in Massachusetts vs the state
10.7%Denial rate-5.50 pts vs state
13.6%Decision denial rate-6.31 pts vs state
67.9%Origination rate+5.26 pts vs state
6.63%Median rate0.00 pts vs state
0.09Rate spread (pts)-0.01 pts vs state
$144kMedian applicant income
19Loans originated
3Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 22 | 17.1% | 6.38% | #329 |
| 2024 | 42 | 30 | 14.3% | 6.81% | #332 |
| 2025 | 28 | 19 | 10.7% | 6.63% | #386 |
What The People's Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most The People's Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 14 | 9 | 2 | 14.3% |
| Worcester County | 3 | 2 | 0 | 0.0% |
| Essex County | 3 | 3 | 0 | 0.0% |
| Middlesex County | 2 | 2 | 0 | 0.0% |
| Plymouth County | 2 | 1 | 1 | 50.0% |
| Barnstable County | 2 | 1 | 0 | 0.0% |
| Norfolk County | 1 | 1 | 0 | 0.0% |
| Suffolk 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: 28 applications in 2025, of which 19 were originated and 3 denied.
10.7% of all applications, or 13.6% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans The People's Credit Union originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are The People'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