ALIGN CREDIT UNION
ALIGN CREDIT UNION received 465 applications in 2025 and made 280 mortgages, in 22 counties across 3 states. The median rate its borrowers got was 5.490% on a median loan of $145,000. Of 365 decisions, 81 were denials — 22.2%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300XYJEJCSZHWWM52 |
|---|---|
| Applications received | 465 |
| Mortgages made | 280 |
| Denied | 81 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 100 |
| Loans bought from other lenders | 13 |
| Median rate spread over the prime offer rate | -1.71 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 | 28 | 5.750% | $420,000 | 15.2% |
| Refinancing | 72 | 5.490% | $155,000 | 25.3% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 22.2% |
| Other purposes | 173 | 5.490% | $105,000 | 21.9% |
Where ALIGN CREDIT UNION lends most
The 22 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Essex County, MA | 129 | 5.490% | 17.1% |
| Middlesex County, MA | 73 | 5.490% | 25.3% |
| Rockingham County, NH | 26 | 5.490% | 18.8% |
| Worcester County, MA | 11 | 5.490% | 35.3% |
| Norfolk County, MA | 8 | Under 10 loans | 30.8% |
| Hillsborough County, NH | 8 | Under 10 loans | 11.1% |
| Suffolk County, MA | 7 | Under 10 loans | 46.2% |
| Plymouth County, MA | 4 | Under 10 loans | 20.0% |
| Barnstable County, MA | 2 | Under 10 loans | 33.3% |
| Carroll County, NH | 2 | Under 10 loans | 33.3% |
| Grafton County, NH | 2 | Under 10 loans | 0.0% |
| Merrimack County, NH | 2 | Under 10 loans | 0.0% |
| Lincoln County, ME | 1 | Under 10 loans | 0.0% |
| Oxford County, ME | 1 | Under 10 loans | 0.0% |
| Waldo County, ME | 1 | Under 10 loans | 0.0% |
| York County, ME | 1 | Under 10 loans | 0.0% |
| Hampshire County, MA | 1 | Under 10 loans | 0.0% |
| Belknap County, NH | 1 | Under 10 loans | 0.0% |
| Cumberland County, ME | 0 | Under 10 loans | 100.0% |
| Penobscot County, ME | 0 | Under 10 loans | Not published |
| Somerset County, ME | 0 | Under 10 loans | 100.0% |
| Bristol County, MA | 0 | Under 10 loans | 100.0% |
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When ALIGN 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.