ROCKLAND Federal Credit Union mortgage approval rate & lending review
ROCKLAND Federal Credit Union decided 3,160 mortgage applications and funded 2,426 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions ROCKLAND Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
ROCKLAND Federal Credit Union at a glance
Approval is 13.1 points above the 70.0% 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 | 88% | 472 / 535 | 97% | $475K | 458 |
| Home improvement loans | 85% | 1,386 / 1,639 | 90% | $95K | 1,253 |
| Cash-out refinance | 76% | 330 / 436 | 96% | $155K | 318 |
| Refinance | 83% | 375 / 454 | 91% | $125K | 340 |
| Investment property purchase | 85% | 39 / 46 | 97% | $485K | 38 |
ROCKLAND Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 84% | $95K | 3,102 | 2,397 |
| Rhode Island | 66% | $65K | 38 | 21 |
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 ROCKLAND Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Plymouth County, MA | Home improvement loans | 86% | 868 | 674 |
| Norfolk County, MA | Home improvement loans | 87% | 312 | 245 |
| Plymouth County, MA | Cash-out refinance | 77% | 244 | 186 |
| Bristol County, MA | Home improvement loans | 81% | 242 | 180 |
| Plymouth County, MA | Refinance | 85% | 227 | 172 |
| Plymouth County, MA | Mortgage lenders | 84% | 182 | 151 |
| Norfolk County, MA | Refinance | 85% | 110 | 86 |
| Norfolk County, MA | Mortgage lenders | 93% | 94 | 85 |
| Norfolk County, MA | Cash-out refinance | 76% | 82 | 57 |
| Middlesex County, MA | Home improvement loans | 88% | 66 | 51 |
| Barnstable County, MA | Home improvement loans | 89% | 62 | 47 |
| Bristol County, MA | Cash-out refinance | 74% | 58 | 40 |
The county markets where ROCKLAND Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about ROCKLAND Federal Credit Union
What is ROCKLAND Federal Credit Union's mortgage approval rate?
ROCKLAND Federal Credit Union approved 83.1% of the 3,160 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.1 points above the 70.0% national rate for the same mix of loan types.
How often do borrowers take the loan ROCKLAND Federal Credit Union offers?
Borrowers accepted 92% of the loans ROCKLAND Federal 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 ROCKLAND Federal Credit Union make?
The typical home improvement loan loan ROCKLAND Federal Credit Union made was $95K; across all loan types its typical loan ran from $95K to $485K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does ROCKLAND Federal Credit Union lend?
ROCKLAND Federal Credit Union decided applications in 7 of the states Fat Boy Data covers, most of them in Massachusetts, Rhode Island and New Hampshire.
Can I apply to ROCKLAND Federal Credit Union directly?
Yes. ROCKLAND Federal Credit Union is a bank or credit union with 9 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show ROCKLAND 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 ROCKLAND Federal Credit Union treats applications, then get a rate quote from the lender.