MASS BAY Credit Union mortgage approval rate & lending review
MASS BAY Credit Union decided 478 mortgage applications and funded 308 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions MASS BAY Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
MASS BAY Credit Union at a glance
Approval is 2.4 points below the 70.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 80% | 82 / 102 | 99% | $545K | 81 |
| Home improvement loans | 69% | 178 / 258 | 93% | $105K | 165 |
| Cash-out refinance | 46% | 16 / 35 | 94% | $255K | 15 |
| Refinance | 71% | 45 / 63 | 93% | $165K | 42 |
MASS BAY Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 69% | $105K | 454 | 295 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where MASS BAY Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Norfolk County, MA | Home improvement loans | 80% | 51 | 40 |
| Suffolk County, MA | Home improvement loans | 62% | 69 | 38 |
| Middlesex County, MA | Home improvement loans | 67% | 48 | 27 |
| Plymouth County, MA | Home improvement loans | 68% | 31 | 21 |
| Essex County, MA | Home improvement loans | 71% | 28 | 20 |
The county markets where MASS BAY Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about MASS BAY Credit Union
What is MASS BAY Credit Union's mortgage approval rate?
MASS BAY Credit Union approved 68.4% of the 478 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 2.4 points below the 70.8% national rate for the same mix of loan types.
How often do borrowers take the loan MASS BAY Credit Union offers?
Borrowers accepted 94% of the loans MASS BAY Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does MASS BAY Credit Union make?
The typical home improvement loan loan MASS BAY Credit Union made was $105K; across all loan types its typical loan ran from $105K to $545K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does MASS BAY Credit Union lend?
MASS BAY Credit Union decided applications in 6 of the states Fat Boy Data covers, most of them in Massachusetts, New Hampshire and Rhode Island.
Can I apply to MASS BAY Credit Union directly?
Yes. MASS BAY Credit Union is a bank or credit union with 4 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show MASS BAY Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how MASS BAY Credit Union treats applications, then get a rate quote from the lender.