METRO Credit Union
METRO Credit Union received 1,654 applications in 2025 and made 1,021 mortgages, in 20 counties across 2 states. The median rate its borrowers got was 6.850% on a median loan of $155,000. Of 1,321 decisions, 192 were denials — 14.5%, most often for debt-to-income ratio. 16 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300F6OBLSYWXXKH16 |
|---|---|
| Applications received | 1,654 |
| Mortgages made | 1,021 |
| Denied | 192 |
| Approved, not taken up | 108 |
| Withdrawn or incomplete | 333 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.2 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 | 377 | 6.625% | $255,000 | 12.4% |
| Refinancing | 28 | 6.563% | $220,000 | 5.7% |
| Cash-out refinancing | 158 | 7.000% | $165,000 | 15.6% |
| Other purposes | 458 | 7.000% | $105,000 | 16.7% |
Where METRO Credit Union lends most
The 20 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 | 291 | 7.000% | 14.7% |
| Essex County, MA | 199 | 7.000% | 16.6% |
| Suffolk County, MA | 116 | 6.875% | 18.5% |
| Norfolk County, MA | 88 | 6.995% | 12.4% |
| Worcester County, MA | 77 | 6.750% | 10.6% |
| Rockingham County, NH | 55 | 6.850% | 16.1% |
| Hillsborough County, NH | 42 | 6.850% | 7.5% |
| Plymouth County, MA | 39 | 6.750% | 10.3% |
| Hampden County, MA | 26 | 6.625% | 20.5% |
| Bristol County, MA | 24 | 6.738% | 12.9% |
| Strafford County, NH | 18 | 6.800% | 14.7% |
| Merrimack County, NH | 15 | 6.850% | 4.6% |
| Barnstable County, MA | 12 | 6.938% | 25.0% |
| Cheshire County, NH | 6 | Under 10 loans | 20.0% |
| Hampshire County, MA | 5 | Under 10 loans | 0.0% |
| Franklin County, MA | 4 | Under 10 loans | 0.0% |
| Carroll County, NH | 2 | Under 10 loans | 0.0% |
| Grafton County, NH | 1 | Under 10 loans | 0.0% |
| Sullivan County, NH | 1 | Under 10 loans | 0.0% |
| Berkshire County, MA | 0 | Under 10 loans | Not published |
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When METRO 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.