ROCKLAND Federal Credit Union
ROCKLAND Federal Credit Union received 1,266 applications in 2025 and made 777 mortgages, in 21 counties across 4 states. The median rate its borrowers got was 7.000% on a median loan of $125,000. Of 1,084 decisions, 264 were denials — 24.3%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493000FSTFO9AWR2J40 |
|---|---|
| Applications received | 1,266 |
| Mortgages made | 777 |
| Denied | 264 |
| Approved, not taken up | 43 |
| Withdrawn or incomplete | 182 |
| Loans bought from other lenders | 249 |
| Median rate spread over the prime offer rate | 0.8 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 | 115 | 6.500% | $395,000 | 17.2% |
| Refinancing | 39 | 6.250% | $355,000 | 27.6% |
| Cash-out refinancing | 219 | 7.000% | $155,000 | 27.5% |
| Other purposes | 404 | 7.000% | $105,000 | 24.1% |
Where ROCKLAND Federal Credit Union lends most
The 21 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Plymouth County, MA | 409 | 7.000% | 24.8% |
| Norfolk County, MA | 157 | 7.000% | 19.0% |
| Bristol County, MA | 96 | 7.000% | 28.4% |
| Middlesex County, MA | 35 | 6.740% | 20.8% |
| Suffolk County, MA | 26 | 6.500% | 13.3% |
| Barnstable County, MA | 24 | 7.000% | 23.5% |
| Worcester County, MA | 7 | Under 10 loans | 40.0% |
| Providence County, RI | 7 | Under 10 loans | 35.3% |
| Essex County, MA | 5 | Under 10 loans | 54.6% |
| Newport County, RI | 3 | Under 10 loans | 0.0% |
| Franklin County, MA | 1 | Under 10 loans | 0.0% |
| Hampden County, MA | 1 | Under 10 loans | 0.0% |
| Carroll County, NH | 1 | Under 10 loans | 0.0% |
| Cheshire County, NH | 1 | Under 10 loans | 0.0% |
| Coos County, NH | 1 | Under 10 loans | 0.0% |
| Grafton County, NH | 1 | Under 10 loans | 0.0% |
| Hillsborough County, NH | 1 | Under 10 loans | 50.0% |
| Kent County, RI | 1 | Under 10 loans | 0.0% |
| Osceola County, FL | 0 | Under 10 loans | 100.0% |
| Dukes County, MA | 0 | Under 10 loans | Not published |
| Strafford County, NH | 0 | Under 10 loans | 100.0% |
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When ROCKLAND Federal 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.