METRO Credit Union mortgage approval rate & lending review
METRO Credit Union decided 3,097 mortgage applications and funded 2,467 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions METRO Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
METRO Credit Union at a glance
Approval is 14.5 points above the 74.8% 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 | 87% | 1,114 / 1,287 | 79% | $185K | 879 |
| Home improvement loans | 93% | 1,072 / 1,147 | 98% | $85K | 1,054 |
| Cash-out refinance | 87% | 443 / 509 | 92% | $145K | 408 |
| Refinance | 93% | 67 / 72 | 85% | $205K | 57 |
| Investment property purchase | 87% | 54 / 62 | 98% | $405K | 53 |
METRO Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 90% | $145K | 2,657 | 2,214 |
| New Hampshire | 87% | $135K | 440 | 253 |
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 METRO Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Middlesex County, MA | Home improvement loans | 95% | 445 | 418 |
| Essex County, MA | Home improvement loans | 92% | 292 | 268 |
| Middlesex County, MA | Mortgage lenders | 89% | 228 | 188 |
| Middlesex County, MA | Cash-out refinance | 88% | 177 | 153 |
| Suffolk County, MA | Home improvement loans | 90% | 160 | 142 |
| Essex County, MA | Mortgage lenders | 83% | 155 | 120 |
| Worcester County, MA | Mortgage lenders | 89% | 155 | 103 |
| Rockingham County, NH | Mortgage lenders | 82% | 195 | 102 |
| Essex County, MA | Cash-out refinance | 84% | 115 | 93 |
| Norfolk County, MA | Home improvement loans | 95% | 92 | 87 |
| Norfolk County, MA | Mortgage lenders | 94% | 82 | 70 |
| Plymouth County, MA | Mortgage lenders | 93% | 99 | 63 |
The county markets where METRO Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about METRO Credit Union
What is METRO Credit Union's mortgage approval rate?
METRO Credit Union approved 89.3% of the 3,097 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.5 points above the 74.8% national rate for the same mix of loan types.
How often do borrowers take the loan METRO Credit Union offers?
Borrowers accepted 89% of the loans METRO 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 METRO Credit Union make?
The typical home purchase mortgage loan METRO Credit Union made was $185K; across all loan types its typical loan ran from $85K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does METRO Credit Union lend?
METRO Credit Union decided applications in 2 of the states Fat Boy Data covers, most of them in Massachusetts and New Hampshire.
Can I apply to METRO Credit Union directly?
Yes. METRO Credit Union is a bank or credit union with 28 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show METRO 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 METRO Credit Union treats applications, then get a rate quote from the lender.