LEI 549300E2EE7WCBVR5I65 · BROCKTON, MA
Sharon & Crescent United Credit Union
Denial sits in the upper fleet tercile at 15.0% across 459 HMDA applications, a stricter underwriting book than most reporters.
Denial tercile vs fleet
Sharon & Crescent United Credit Union posts a 15.0% denial rate, above the fleet's upper tercile (~13.79%) - across 459 applications with 293 originations. Leading cited denial reason: debt-to-income ratio. Volume rank is still not origination-share rank.
- n/a
- Below 1,000-app share board
- 63.8%
- Origination share
- 293
- Originated
- 15.0%
- Denial rate
According to the CFPB HMDA 2024 Snapshot. Origination share is originated divided by applications among reporters with 1,000+ applications. Denial share and origination share do not sum to 100% because HMDA also records withdrawals, incompletes, and purchased loans. See /methodology#corpus-placement. Informational reporting, not mortgage advice.
Reported application outcomes
459 reported applications
Where Sharon & Crescent United Credit Union sits by reported originations
2024 CFPB HMDA reporting lenders, bucketed by originated-loan count
293 Top 34% higher than 66% of 4,908 reporting lenders
Each bar is a 50,000-originated loans band. The dashed line and filled bar mark this lender. Hover, tap, or focus a bar for its count and population share.
Source CFPB Home Mortgage Disclosure Act loan/application register · 2024 reporting year
Loan types by applications · Sharon & Crescent United Cr…
Application volume by HMDA loan type in this lender's 2024 book.
Cited denial reasons · Sharon & Crescent United Cr…
Lender-reported HMDA denial-reason counts (top reasons shown).
Mid-volume reporter. Sharon & Crescent United Credit Union's 63.8% origination rate and 15.0% denial rate sit on a mid-tercile originated book (293 funded; fleet band ~78-310). Approval and denial do not sum to 100% - HMDA also records withdrawals, incompletes, and purchased loans. Most-cited denial codes: Debt-to-income ratio, Credit history, Other. Program weight concentrates in Conventional (459 applications).
How to read Sharon & Crescent United Credit Union. These figures are aggregate HMDA disclosures for this lender's 2024 book, not any one file. Rates reflect applicant mix (credit, LTV, DTI, geography) as much as underwriting posture. Informational data reporting, not financial, legal, or mortgage advice. Source vintage: CFPB HMDA 2024 Snapshot.
Lending activity by loan program · Sharon & Crescent United Cr…
Sharon & Crescent United Credit Union filed most under Conventional. Applications, originations and denials are separate outcomes of the same filing, so the columns do not sum.
| Type | Applications | Originated | Denied | Avg Loan |
|---|---|---|---|---|
| Conventional | 459 | 293 | 69 | $264,194 |
Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Sharon & Crescent United Credit Union (LEI: 549300E2EE7WCBVR5I65) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.
Why borrowers applied
Purchase, refinance and cash-out are reported as distinct purposes; average loan size usually separates them more sharply than volume does.
| Purpose | Applications | Originated | Avg Loan |
|---|---|---|---|
| Home Improvement | 157 | 100 | $69,395 |
| Home Purchase | 104 | 63 | $530,962 |
| Other | 101 | 57 | $84,604 |
| Cash-out Refinancing | 62 | 49 | $282,581 |
| Refinancing | 35 | 24 | $831,000 |
Reported outcomes by applicant race
CFPB derived race categories. HMDA carries no credit score, debt-to-income ratio or down payment, so a gap between these rows is an outcome difference and never, on its own, evidence of discrimination.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 305 | 70.2% | 9.8% |
| Black or African American | 68 | 36.8% | 38.2% |
| Asian * | 39 | 59.0% | 20.5% |
| Joint * | 9 | 77.8% | 11.1% |
| American Indian or Alaska Native * | 1 | 100.0% | 0.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
Reported outcomes by applicant ethnicity
Hispanic or Latino is an ethnicity, not a race, and is reported separately per U.S. Census Bureau standards. The same limitation applies: HMDA records the outcome, not the underwriting inputs behind it.
| Ethnicity | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| Not Hispanic or Latino | 389 | 64.3% | 15.2% |
| Hispanic or Latino * | 16 | 50.0% | 25.0% |
| Joint * | 10 | 70.0% | 10.0% |
* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.
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Read with Sharon & Crescent United Credit Union
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Sharon & Crescent United Credit Union (LEI 549300E2EE7WCBVR5I65), from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024). See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.