FALL RIVER MUNICIPAL CREDIT UNION
FALL RIVER MUNICIPAL CREDIT UNION received 224 applications in 2025 and made 129 mortgages, in 8 counties across 2 states. The median rate its borrowers got was 6.750% on a median loan of $105,000. Of 197 decisions, 43 were denials — 21.8%, most often for debt-to-income ratio. 11 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 254900XIGAR8HM0KJZ26 |
|---|---|
| Applications received | 224 |
| Mortgages made | 129 |
| Denied | 43 |
| Approved, not taken up | 25 |
| Withdrawn or incomplete | 27 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.635 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 63 | 6.750% | $135,000 | 17.3% |
| Refinancing | 12 | 6.625% | $135,000 | 0.0% |
| Cash-out refinancing | 17 | 6.750% | $155,000 | 25.0% |
| Other purposes | 37 | 6.625% | $55,000 | 33.3% |
Where FALL RIVER MUNICIPAL CREDIT UNION lends most
The 8 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bristol County, MA | 70 | 6.750% | 23.5% |
| Plymouth County, MA | 27 | 6.750% | 7.7% |
| Kent County, RI | 15 | 6.500% | 21.7% |
| Newport County, RI | 6 | Under 10 loans | 11.1% |
| Barnstable County, MA | 4 | Under 10 loans | 25.0% |
| Providence County, RI | 4 | Under 10 loans | 0.0% |
| Norfolk County, MA | 1 | Under 10 loans | 50.0% |
| Bristol County, RI | 1 | Under 10 loans | 50.0% |
Get told when this changes
When FALL RIVER MUNICIPAL CREDIT UNION’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.