American Heritage Lending in Massachusetts vs the state
6.0%Denial rate-10.17 pts vs state
8.6%Decision denial rate-11.36 pts vs state
42.3%Origination rate-20.29 pts vs state
7.50%Median rate+0.88 pts vs state
1.27Rate spread (pts)+1.17 pts vs state
$211kMedian applicant income
77Loans originated
11Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 87 | 47 | 10.3% | 8.88% | #250 |
| 2024 | 136 | 87 | 6.6% | 7.88% | #194 |
| 2025 | 182 | 77 | 6.0% | 7.50% | #171 |
What American Heritage Lending lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most American Heritage Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Suffolk County | 34 | 9 | 2 | 5.9% |
| Middlesex County | 31 | 11 | 3 | 9.7% |
| Worcester County | 29 | 13 | 2 | 6.9% |
| Norfolk County | 19 | 10 | 1 | 5.3% |
| Bristol County | 14 | 6 | 1 | 7.1% |
| Hampden County | 14 | 8 | 0 | 0.0% |
| Essex County | 13 | 5 | 0 | 0.0% |
| Plymouth County | 10 | 6 | 0 | 0.0% |
| Berkshire County | 5 | 2 | 1 | 20.0% |
| Hampshire County | 4 | 4 | 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: 182 applications in 2025, of which 77 were originated and 11 denied.
6.0% of all applications, or 8.6% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans American Heritage Lending originated in Massachusetts in 2025 was 7.50%, against a statewide median of 6.63%.
About this data. Figures are American Heritage Lending'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