United Nations Federal Credit Union in Massachusetts vs the state
5.2%Denial rate-11.00 pts vs state
6.2%Decision denial rate-13.77 pts vs state
79.2%Origination rate+16.55 pts vs state
5.63%Median rate-1.00 pts vs state
-0.30Rate spread (pts)-0.39 pts vs state
$293kMedian applicant income
167Loans originated
11Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 71 | 57 | 4.2% | 5.63% | #270 |
| 2024 | 97 | 71 | 10.3% | 6.00% | #237 |
| 2025 | 211 | 167 | 5.2% | 5.63% | #154 |
What United Nations Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most United Nations Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 115 | 94 | 5 | 4.3% |
| Suffolk County | 25 | 21 | 2 | 8.0% |
| Norfolk County | 22 | 14 | 1 | 4.5% |
| Essex County | 19 | 15 | 2 | 10.5% |
| Barnstable County | 9 | 7 | 0 | 0.0% |
| Worcester County | 8 | 6 | 1 | 12.5% |
| Plymouth County | 4 | 4 | 0 | 0.0% |
| Bristol County | 3 | 2 | 0 | 0.0% |
| Hampden 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: 211 applications in 2025, of which 167 were originated and 11 denied.
5.2% of all applications, or 6.2% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans United Nations Federal Credit Union originated in Massachusetts in 2025 was 5.63%, against a statewide median of 6.63%.
About this data. Figures are United Nations 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