MASS BAY Credit Union
MASS BAY Credit Union received 110 applications in 2025 and made 43 mortgages, in 11 counties across 3 states. The median rate its borrowers got was Not published on a median loan of $485,000. Of 75 decisions, 31 were denials — 41.3%.
| Legal Entity Identifier | 5493003VEEM09F16U659 |
|---|---|
| Applications received | 110 |
| Mortgages made | 43 |
| Denied | 31 |
| Approved, not taken up | 1 |
| Withdrawn or incomplete | 35 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| 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 | 27 | Not published | $495,000 | 6.9% |
| Refinancing | 6 | Under 10 loans | Under 10 loans | 33.3% |
| Cash-out refinancing | 5 | Under 10 loans | Under 10 loans | 61.5% |
| Other purposes | 5 | Under 10 loans | Under 10 loans | 75.0% |
Where MASS BAY Credit Union lends most
The 11 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Middlesex County, MA | 11 | Not published | 36.8% |
| Norfolk County, MA | 9 | Under 10 loans | 40.0% |
| Plymouth County, MA | 8 | Under 10 loans | 33.3% |
| Suffolk County, MA | 7 | Under 10 loans | 50.0% |
| Essex County, MA | 4 | Under 10 loans | 33.3% |
| Worcester County, MA | 2 | Under 10 loans | 50.0% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Rockingham County, NH | 1 | Under 10 loans | 0.0% |
| Bristol County, MA | 0 | Under 10 loans | 100.0% |
| Hillsborough County, NH | 0 | Under 10 loans | Not published |
| Providence County, RI | 0 | Under 10 loans | 100.0% |
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When MASS BAY 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.