ABL RPC Residential Credit Acquisition in Massachusetts vs the state
20.7%Denial rate+4.52 pts vs state
21.0%Decision denial rate+1.04 pts vs state
74.4%Origination rate+11.79 pts vs state
10.00%Median rate+3.38 pts vs state
—Rate spread (pts)
—Median applicant income
61Loans originated
17Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 58 | 26 | 13.8% | 12.38% | #295 |
| 2024 | 59 | 41 | 15.3% | 11.88% | #300 |
| 2025 | 82 | 61 | 20.7% | 10.00% | #268 |
What ABL RPC Residential Credit Acquisition lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most ABL RPC Residential Credit Acquisition applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 34 | 27 | 6 | 17.6% |
| Worcester County | 17 | 13 | 2 | 11.8% |
| Essex County | 9 | 9 | 0 | 0.0% |
| Norfolk County | 7 | 4 | 3 | 42.9% |
| Berkshire County | 6 | 4 | 1 | 16.7% |
| Suffolk County | 3 | 2 | 1 | 33.3% |
| Bristol County | 2 | 1 | 1 | 50.0% |
| Barnstable County | 2 | 0 | 2 | 100.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Hampden County | 1 | 0 | 1 | 100.0% |
Other large lenders in Massachusetts
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Citizens Bank | C | 17,476 | 29.0% | 7.40% |
| Rocket Mortgage | C | 8,698 | 15.9% | 6.75% |
| Bank of America | F | 7,784 | 30.1% | 5.99% |
| Guaranteed Rate | B | 7,313 | 4.5% | 6.50% |
| Eastern Bank | B | 6,216 | 31.8% | 6.99% |
| Rockland Trust | C | 5,990 | 28.6% | 6.99% |
| Leader Bank | A | 5,913 | 1.8% | 6.25% |
| United Shore Financial Services | B | 5,898 | 12.8% | 6.50% |
| Crosscountry Mortgage | B | 5,634 | 3.8% | 6.63% |
| TD Bank | D | 3,778 | 26.9% | 7.44% |
Frequently asked questions
Massachusetts: 82 applications in 2025, of which 61 were originated and 17 denied.
20.7% of all applications, or 21.0% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans ABL RPC Residential Credit Acquisition originated in Massachusetts in 2025 was 10.00%, against a statewide median of 6.63%.
About this data. Figures are ABL RPC Residential Credit Acquisition's own HMDA filing for properties located in Massachusetts, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology