UNIVERSITY Federal Credit Union in Massachusetts vs the state
16.7%Denial rate+0.46 pts vs state
20.0%Decision denial rate+0.05 pts vs state
66.7%Origination rate+4.07 pts vs state
7.25%Median rate+0.63 pts vs state
0.84Rate spread (pts)+0.74 pts vs state
$156kMedian applicant income
4Loans originated
1Denied
What UNIVERSITY Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most UNIVERSITY Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 2 | 2 | 0 | 0.0% |
| Suffolk County | 2 | 1 | 1 | 50.0% |
| Worcester County | 1 | 1 | 0 | 0.0% |
| Hampden 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: 6 applications in 2025, of which 4 were originated and 1 denied.
16.7% of all applications, or 20.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans UNIVERSITY Federal Credit Union originated in Massachusetts in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are UNIVERSITY 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