WEBSTER FIRST Federal Credit Union in Massachusetts vs the state
18.8%Denial rate+2.54 pts vs state
21.7%Decision denial rate+1.75 pts vs state
63.8%Origination rate+1.19 pts vs state
6.50%Median rate-0.13 pts vs state
-0.03Rate spread (pts)-0.13 pts vs state
$140kMedian applicant income
296Loans originated
87Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 640 | 355 | 25.0% | 7.13% | #63 |
| 2024 | 665 | 375 | 26.3% | 7.13% | #65 |
| 2025 | 464 | 296 | 18.8% | 6.50% | #90 |
What WEBSTER FIRST Federal Credit Union lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most WEBSTER FIRST Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 320 | 203 | 68 | 21.3% |
| Middlesex County | 43 | 29 | 5 | 11.6% |
| Suffolk County | 42 | 23 | 8 | 19.0% |
| Essex County | 24 | 16 | 3 | 12.5% |
| Norfolk County | 7 | 4 | 1 | 14.3% |
| Bristol County | 6 | 5 | 0 | 0.0% |
| Hampden County | 6 | 5 | 0 | 0.0% |
| Plymouth County | 5 | 3 | 1 | 20.0% |
| Barnstable County | 5 | 4 | 1 | 20.0% |
| Hampshire County | 3 | 2 | 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: 464 applications in 2025, of which 296 were originated and 87 denied.
18.8% of all applications, or 21.7% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans WEBSTER FIRST Federal Credit Union originated in Massachusetts in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are WEBSTER FIRST 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