American Pacific Mortgage in Massachusetts vs the state
18.6%Denial rate+2.36 pts vs state
24.1%Decision denial rate+4.12 pts vs state
58.6%Origination rate-4.03 pts vs state
6.63%Median rate0.00 pts vs state
0.36Rate spread (pts)+0.26 pts vs state
$144kMedian applicant income
41Loans originated
13Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 13 | 8 | 15.4% | 7.63% | #417 |
| 2024 | 45 | 28 | 11.1% | 6.63% | #325 |
| 2025 | 70 | 41 | 18.6% | 6.63% | #286 |
What American Pacific Mortgage lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 11 | 9 | 0 | 0.0% |
| Worcester County | 10 | 5 | 2 | 20.0% |
| Hampden County | 10 | 3 | 4 | 40.0% |
| Bristol County | 8 | 5 | 1 | 12.5% |
| Essex County | 8 | 6 | 0 | 0.0% |
| Suffolk County | 6 | 0 | 5 | 83.3% |
| Plymouth County | 6 | 4 | 0 | 0.0% |
| Barnstable County | 6 | 6 | 0 | 0.0% |
| Berkshire County | 2 | 1 | 0 | 0.0% |
| Franklin 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: 70 applications in 2025, of which 41 were originated and 13 denied.
18.6% of all applications, or 24.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans American Pacific Mortgage originated in Massachusetts in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are American Pacific 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