# ROCKLAND Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/rockland-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


ROCKLAND Federal Credit Union is a credit union, headquartered in Rockland, MA, serving borrowers across 3 states, with 195 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 10% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 56% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493000FSTFO9AWR2J40
- **Headquarters:** Rockland, MA
- **Geographic Reach:** Regional
- **States Served:** 3
- **State List:** MA, NH, RI
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 90/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.199%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $266
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 195
- **Dollar Volume:** $107 million
- **Applications Received:** 347
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $551,103
- **Average Borrower Income:** $217,190
- **Average Property Value:** $812,897

## Safe Rate Awards 🏆

- ⭐ **Jumbo Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 163 | -0.164% | $234 | Sound ☺️ |
| Jumbo | 70/100 | 32 | -0.376% | $429 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 127 loans, Score: 43/100 (Sound)
- Refinance: 36 loans, Score: 47/100 (Sound)

**Jumbo:**
- Purchase: 29 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 156 | $92M | -0.238% | Sound ☺️ |
| Refinance | 46/100 | 39 | $16M | -0.035% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MA | 192 | 0.32% | 76/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Boston, MA | MA | 104 | 76/100 |
| Cambridge | MA | 49 | 64/100 |
| Providence | RI-MA | 19 | 53/100 |
| Worcester, MA | MA | 13 | 49/100 |

## Where This Lender Ranks

ROCKLAND Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Massachusetts for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Boston, MA for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥈 **#2** in Boston, MA Credit Unions
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Cambridge for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#4** in Boston, MA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Massachusetts Credit Unions
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Cambridge Credit Unions
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Cambridge for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#7** in Massachusetts for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#12** in Boston, MA for Jumbo Loans
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders/jumbo-loans)
- 🏆 **#13** in Cambridge for Jumbo Loans
  - [View Full Rankings](https://saferate.com/cambridge/best-mortgage-lenders/jumbo-loans)
- 🏆 **#16** in Massachusetts for Jumbo Loans
  - [View Full Rankings](https://saferate.com/massachusetts/best-mortgage-lenders/jumbo-loans)
- 🏆 **#20** in Boston, MA
  - [View Full Rankings](https://saferate.com/boston-ma/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does ROCKLAND Federal Credit Union offer?

ROCKLAND Federal Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does ROCKLAND Federal Credit Union offer mortgages?

ROCKLAND Federal Credit Union offers mortgages in 3 states: MA, NH, RI.

### How competitive are ROCKLAND Federal Credit Union's mortgage rates?

ROCKLAND Federal Credit Union has a pricing score of 90/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.199% below market average.

### What type of lender is ROCKLAND Federal Credit Union?

ROCKLAND Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Rockland, MA.

### What is ROCKLAND Federal Credit Union's loan approval success rate?

ROCKLAND Federal Credit Union has a pull-through score of 44/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/rockland-federal-credit-union

### How to Cite

> "ROCKLAND Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/rockland-federal-credit-union

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