Mass. Institute of Tech. Federal Credit Union mortgage approval rate & lending review
Mass. Institute of Tech. Federal Credit Union decided 769 mortgage applications and funded 679 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Mass. Institute of Tech. Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Mass. Institute of Tech. Federal Credit Union at a glance
Approval is 17.2 points above the 77.9% 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 | 97% | 367 / 378 | 95% | $575K | 350 |
| Home improvement loans | 94% | 180 / 191 | 92% | $75K | 165 |
| Cash-out refinance | 91% | 91 / 100 | 88% | $215K | 80 |
| Refinance | 96% | 49 / 51 | 92% | $335K | 45 |
| Investment property purchase | 97% | 36 / 37 | 89% | $315K | 32 |
Mass. Institute of Tech. Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 97% | $575K | 501 | 448 |
| California | 92% | $375K | 37 | 32 |
| New Hampshire | 100% | $215K | 35 | 33 |
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. Institute of Tech. Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Mortgage lenders | 99% | 157 | 148 |
| Middlesex County, MA | Home improvement loans | 98% | 80 | 70 |
| Middlesex County, MA | Cash-out refinance | 97% | 32 | 26 |
| Essex County, MA | Home improvement loans | 91% | 22 | 17 |
The county markets where Mass. Institute of Tech. Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Mass. Institute of Tech. Federal Credit Union
What is Mass. Institute of Tech. Federal Credit Union's mortgage approval rate?
Mass. Institute of Tech. Federal Credit Union approved 95.1% of the 769 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.2 points above the 77.9% national rate for the same mix of loan types.
How often do borrowers take the loan Mass. Institute of Tech. Federal Credit Union offers?
Borrowers accepted 93% of the loans Mass. Institute of Tech. Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Mass. Institute of Tech. Federal Credit Union make?
The typical home purchase mortgage loan Mass. Institute of Tech. Federal Credit Union made was $575K; across all loan types its typical loan ran from $75K to $575K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Mass. Institute of Tech. Federal Credit Union lend?
Mass. Institute of Tech. Federal Credit Union decided applications in 37 of the states Fat Boy Data covers, most of them in Massachusetts, California and New Hampshire.
Can I apply to Mass. Institute of Tech. Federal Credit Union directly?
Yes. Mass. Institute of Tech. Federal 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. Institute of Tech. Federal 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. Institute of Tech. Federal Credit Union treats applications, then get a rate quote from the lender.