American Federal Mortgage in Massachusetts vs the state
9.1%Denial rate-7.12 pts vs state
11.1%Decision denial rate-8.84 pts vs state
72.7%Origination rate+10.13 pts vs state
6.06%Median rate-0.56 pts vs state
-0.20Rate spread (pts)-0.30 pts vs state
$222kMedian applicant income
8Loans originated
1Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 5 | 0.0% | 6.63% | #455 |
| 2024 | 7 | 2 | 0.0% | 6.25% | #469 |
| 2025 | 11 | 8 | 9.1% | 6.06% | #451 |
What American Federal Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most American Federal Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 4 | 4 | 0 | 0.0% |
| Dukes County | 2 | 1 | 1 | 50.0% |
| Plymouth County | 1 | 1 | 0 | 0.0% |
| Essex County | 1 | 0 | 0 | 0.0% |
| Worcester County | 1 | 0 | 0 | 0.0% |
| Hampden County | 1 | 1 | 0 | 0.0% |
| Barnstable County | 1 | 1 | 0 | 0.0% |
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: 11 applications in 2025, of which 8 were originated and 1 denied.
9.1% of all applications, or 11.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans American Federal Mortgage originated in Massachusetts in 2025 was 6.06%, against a statewide median of 6.63%.
About this data. Figures are American Federal Mortgage'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