Usalliance Federal Credit Union in Massachusetts vs the state
8.5%Denial rate-7.71 pts vs state
9.7%Decision denial rate-10.25 pts vs state
78.4%Origination rate+15.83 pts vs state
7.75%Median rate+1.13 pts vs state
0.59Rate spread (pts)+0.50 pts vs state
$251kMedian applicant income
120Loans originated
13Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 135 | 71 | 20.0% | 8.63% | #198 |
| 2024 | 88 | 54 | 12.5% | 9.00% | #252 |
| 2025 | 153 | 120 | 8.5% | 7.75% | #198 |
What Usalliance Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 44 | 33 | 4 | 9.1% |
| Essex County | 23 | 18 | 2 | 8.7% |
| Norfolk County | 21 | 18 | 2 | 9.5% |
| Worcester County | 16 | 12 | 1 | 6.3% |
| Plymouth County | 15 | 13 | 0 | 0.0% |
| Suffolk County | 15 | 12 | 1 | 6.7% |
| Bristol County | 8 | 5 | 3 | 37.5% |
| Barnstable County | 6 | 5 | 0 | 0.0% |
| Hampden County | 4 | 3 | 0 | 0.0% |
| Hampshire 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: 153 applications in 2025, of which 120 were originated and 13 denied.
8.5% of all applications, or 9.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Usalliance Federal Credit Union originated in Massachusetts in 2025 was 7.75%, against a statewide median of 6.63%.
About this data. Figures are Usalliance 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