American Financial Network in Massachusetts vs the state
13.7%Denial rate-2.48 pts vs state
18.6%Decision denial rate-1.35 pts vs state
59.2%Origination rate-3.37 pts vs state
6.69%Median rate+0.06 pts vs state
0.45Rate spread (pts)+0.36 pts vs state
$133kMedian applicant income
138Loans originated
32Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 157 | 87 | 9.6% | 6.88% | #180 |
| 2024 | 264 | 173 | 6.8% | 6.63% | #124 |
| 2025 | 233 | 138 | 13.7% | 6.69% | #142 |
What American Financial Network lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most American Financial Network applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 66 | 37 | 14 | 21.2% |
| Essex County | 32 | 20 | 3 | 9.4% |
| Middlesex County | 29 | 14 | 4 | 13.8% |
| Hampden County | 25 | 16 | 2 | 8.0% |
| Worcester County | 20 | 15 | 0 | 0.0% |
| Suffolk County | 17 | 9 | 2 | 11.8% |
| Plymouth County | 15 | 10 | 0 | 0.0% |
| Norfolk County | 11 | 8 | 1 | 9.1% |
| Barnstable County | 11 | 6 | 3 | 27.3% |
| Franklin County | 3 | 1 | 2 | 66.7% |
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: 233 applications in 2025, of which 138 were originated and 32 denied.
13.7% of all applications, or 18.6% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans American Financial Network originated in Massachusetts in 2025 was 6.69%, against a statewide median of 6.63%.
About this data. Figures are American Financial Network'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