Lender in Massachusetts · HMDA 2025
Workers Federal Credit Union mortgages in Massachusetts
Workers Federal Credit Union's 2025 home-purchase and refinance lending in Massachusetts, compared with all lenders in the state.
Workers Federal Credit Union originated 317 owner-occupied single-family loans in Massachusetts from 348 completed applications.
Its median conventional purchase loan costs were $4,890 versus $5,240 for all Massachusetts lenders.
Loans in MA
317
of 348 applications
Denial rate
2.9%
Purchase · MA 6.3%
Rate spread
−0.28 pts
Conv. · MA +0.02 pts
Loan amount
$605,000
Purchase · MA $495,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 277 | 263 | 2.9% | — | −0.28 pts | $4,890 | $605,000 |
| Refinance | 31 | 22 | 16.1% | — | −0.54 pts | $3,870 | $585,000 |
| Cash-out refinance | 40 | 32 | 12.5% | — | −0.22 pts | $3,680 | $365,000 |
*Conventional loans only; medians with at least 20 loans.
Massachusetts counties where Workers Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Middlesex County | 22 | 147 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology