MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION
MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION received 318 applications in 2025 and made 209 mortgages, in 83 counties across 28 states. The median rate its borrowers got was 6.625% on a median loan of $365,000. Of 240 decisions, 15 were denials — 6.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300P1347BFCBHJV60 |
|---|---|
| Applications received | 318 |
| Mortgages made | 209 |
| Denied | 15 |
| Approved, not taken up | 16 |
| Withdrawn or incomplete | 78 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.068 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 | 113 | 6.500% | $505,000 | 4.1% |
| Refinancing | 22 | 6.313% | $450,000 | 0.0% |
| Cash-out refinancing | 25 | 7.250% | $245,000 | 6.5% |
| Other purposes | 49 | 7.000% | $65,000 | 12.7% |
Where MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION lends most
The 50 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 | 85 | 6.500% | 4.2% |
| Essex County, MA | 14 | 6.688% | 0.0% |
| Norfolk County, MA | 13 | 6.625% | 7.1% |
| Worcester County, MA | 11 | 6.500% | 0.0% |
| Suffolk County, MA | 10 | 6.813% | 16.7% |
| Rockingham County, NH | 7 | Under 10 loans | 0.0% |
| Hillsborough County, NH | 5 | Under 10 loans | 0.0% |
| Los Angeles County, CA | 4 | Under 10 loans | 0.0% |
| Harris County, TX | 3 | Under 10 loans | 0.0% |
| Alameda County, CA | 2 | Under 10 loans | 0.0% |
| San Diego County, CA | 2 | Under 10 loans | 0.0% |
| Fulton County, GA | 2 | Under 10 loans | 0.0% |
| Allen County, IN | 2 | Under 10 loans | 0.0% |
| Plymouth County, MA | 2 | Under 10 loans | 25.0% |
| Carroll County, NH | 2 | Under 10 loans | 0.0% |
| Strafford County, NH | 2 | Under 10 loans | 0.0% |
| Madison County, AL | 1 | Under 10 loans | 0.0% |
| Pima County, AZ | 1 | Under 10 loans | 0.0% |
| Nevada County, CA | 1 | Under 10 loans | 0.0% |
| Santa Barbara County, CA | 1 | Under 10 loans | 0.0% |
| Santa Clara County, CA | 1 | Under 10 loans | 0.0% |
| Santa Cruz County, CA | 1 | Under 10 loans | 0.0% |
| Sonoma County, CA | 1 | Under 10 loans | 0.0% |
| Douglas County, CO | 1 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Douglas County, GA | 1 | Under 10 loans | 0.0% |
| Gwinnett County, GA | 1 | Under 10 loans | 0.0% |
| Cook County, IL | 1 | Under 10 loans | 0.0% |
| Polk County, IA | 1 | Under 10 loans | 0.0% |
| Cumberland County, ME | 1 | Under 10 loans | 0.0% |
| Penobscot County, ME | 1 | Under 10 loans | 0.0% |
| Anne Arundel County, MD | 1 | Under 10 loans | 0.0% |
| Barnstable County, MA | 1 | Under 10 loans | 0.0% |
| Bristol County, MA | 1 | Under 10 loans | 0.0% |
| Hampden County, MA | 1 | Under 10 loans | 0.0% |
| St. Joseph County, MI | 1 | Under 10 loans | 0.0% |
| Burlington County, NJ | 1 | Under 10 loans | 50.0% |
| Essex County, NJ | 1 | Under 10 loans | 0.0% |
| Hudson County, NJ | 1 | Under 10 loans | 0.0% |
| Madison County, NY | 1 | Under 10 loans | 0.0% |
| Westchester County, NY | 1 | Under 10 loans | 0.0% |
| Wake County, NC | 1 | Under 10 loans | 50.0% |
| Hamilton County, OH | 1 | Under 10 loans | 0.0% |
| Lucas County, OH | 1 | Under 10 loans | 0.0% |
| Deschutes County, OR | 1 | Under 10 loans | 0.0% |
| Umatilla County, OR | 1 | Under 10 loans | 0.0% |
| Washington County, OR | 1 | Under 10 loans | 0.0% |
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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.