St. Mary's Credit Union mortgage approval rate & lending review
St. Mary's Credit Union decided 824 mortgage applications and funded 678 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions St. Mary's Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
St. Mary's Credit Union at a glance
Approval is 14.1 points above the 70.5% 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 | 90% | 162 / 180 | 99% | $325K | 160 |
| Home improvement loans | 84% | 317 / 376 | 97% | $75K | 309 |
| Cash-out refinance | 82% | 178 / 218 | 96% | $135K | 170 |
| Refinance | 80% | 20 / 25 | 95% | $345K | 19 |
St. Mary's Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Massachusetts | 85% | $135K | 824 | 678 |
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 St. Mary's Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Worcester County, MA | Home improvement loans | 84% | 188 | 155 |
| Middlesex County, MA | Home improvement loans | 87% | 158 | 133 |
| Worcester County, MA | Cash-out refinance | 80% | 106 | 81 |
| Middlesex County, MA | Cash-out refinance | 85% | 92 | 74 |
The county markets where St. Mary's Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about St. Mary's Credit Union
What is St. Mary's Credit Union's mortgage approval rate?
St. Mary's Credit Union approved 84.6% of the 824 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 14.1 points above the 70.5% national rate for the same mix of loan types.
How often do borrowers take the loan St. Mary's Credit Union offers?
Borrowers accepted 97% of the loans St. Mary's 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 St. Mary's Credit Union make?
The typical home improvement loan loan St. Mary's Credit Union made was $75K; across all loan types its typical loan ran from $75K to $345K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does St. Mary's Credit Union lend?
St. Mary's Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Massachusetts.
Can I apply to St. Mary's Credit Union directly?
Yes. St. Mary's 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 St. Mary's 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 St. Mary's Credit Union treats applications, then get a rate quote from the lender.