Workers Federal Credit Union
Workers Federal Credit Union received 1,795 applications in 2025 and made 1,233 mortgages, in 27 counties across 7 states. The median rate its borrowers got was 6.375% on a median loan of $315,000. Of 1,486 decisions, 194 were denials — 13.1%, most often for debt-to-income ratio.
| Legal Entity Identifier | 254900MSO8KVQ05D2J27 |
|---|---|
| Applications received | 1,795 |
| Mortgages made | 1,233 |
| Denied | 194 |
| Approved, not taken up | 59 |
| Withdrawn or incomplete | 309 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.1205 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 | 477 | 5.750% | $555,000 | 3.3% |
| Refinancing | 83 | 5.500% | $725,000 | 8.3% |
| Cash-out refinancing | 301 | 6.750% | $205,000 | 15.2% |
| Other purposes | 372 | 7.000% | $105,000 | 22.3% |
Where Workers Federal Credit Union lends most
The 27 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 | 419 | 6.250% | 10.9% |
| Worcester County, MA | 352 | 7.000% | 15.4% |
| Suffolk County, MA | 135 | 5.750% | 7.3% |
| Essex County, MA | 85 | 5.875% | 14.9% |
| Hillsborough County, NH | 54 | 6.625% | 9.8% |
| Norfolk County, MA | 47 | 5.875% | 12.5% |
| Franklin County, MA | 31 | 7.000% | 13.6% |
| Plymouth County, MA | 27 | 6.000% | 21.6% |
| Rockingham County, NH | 23 | 5.750% | 11.5% |
| Bristol County, MA | 15 | 5.750% | 23.8% |
| Cheshire County, NH | 8 | Under 10 loans | 11.1% |
| Barnstable County, MA | 7 | Under 10 loans | 20.0% |
| Hampden County, MA | 5 | Under 10 loans | 28.6% |
| Carroll County, NH | 5 | Under 10 loans | 16.7% |
| Merrimack County, NH | 5 | Under 10 loans | 0.0% |
| Hampshire County, MA | 3 | Under 10 loans | 0.0% |
| Strafford County, NH | 3 | Under 10 loans | 0.0% |
| Sullivan County, NH | 3 | Under 10 loans | 0.0% |
| Belknap County, NH | 2 | Under 10 loans | 25.0% |
| Providence County, RI | 2 | Under 10 loans | 0.0% |
| Capitol Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Berkshire County, MA | 1 | Under 10 loans | 66.7% |
| Cumberland County, ME | 0 | Under 10 loans | Not published |
| Dukes County, MA | 0 | Under 10 loans | 100.0% |
| Nantucket County, MA | 0 | Under 10 loans | 100.0% |
| Ocean County, NJ | 0 | Under 10 loans | Not published |
| Centre County, PA | 0 | Under 10 loans | Not published |
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When Workers 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.