Arc Home in Massachusetts vs the state
6.0%Denial rate-10.23 pts vs state
9.1%Decision denial rate-10.86 pts vs state
59.8%Origination rate-2.82 pts vs state
7.38%Median rate+0.75 pts vs state
0.84Rate spread (pts)+0.75 pts vs state
$230kMedian applicant income
110Loans originated
11Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 89 | 46 | 15.7% | 7.88% | #245 |
| 2024 | 149 | 90 | 7.4% | 7.50% | #183 |
| 2025 | 184 | 110 | 6.0% | 7.38% | #170 |
What Arc Home lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Arc Home applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 33 | 16 | 1 | 3.0% |
| Bristol County | 28 | 17 | 2 | 7.1% |
| Essex County | 27 | 16 | 2 | 7.4% |
| Norfolk County | 25 | 19 | 2 | 8.0% |
| Worcester County | 20 | 9 | 1 | 5.0% |
| Plymouth County | 19 | 15 | 0 | 0.0% |
| Suffolk County | 11 | 8 | 1 | 9.1% |
| Hampden County | 10 | 5 | 1 | 10.0% |
| Barnstable County | 5 | 3 | 0 | 0.0% |
| Hampshire County | 3 | 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: 184 applications in 2025, of which 110 were originated and 11 denied.
6.0% of all applications, or 9.1% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Arc Home originated in Massachusetts in 2025 was 7.38%, against a statewide median of 6.63%.
About this data. Figures are Arc Home'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