Athol Savings Bank in Massachusetts vs the state
26.8%Denial rate+10.58 pts vs state
29.4%Decision denial rate+9.46 pts vs state
61.6%Origination rate-0.99 pts vs state
—Median rate
—Rate spread (pts)
$114kMedian applicant income
69Loans originated
30Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 176 | 109 | 15.3% | — | #168 |
| 2024 | 108 | 64 | 23.2% | — | #219 |
| 2025 | 112 | 69 | 26.8% | — | #235 |
What Athol Savings Bank lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Athol Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 98 | 62 | 26 | 26.5% |
| Franklin County | 10 | 4 | 3 | 30.0% |
| Middlesex County | 2 | 2 | 0 | 0.0% |
| Hampshire 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: 112 applications in 2025, of which 69 were originated and 30 denied.
26.8% of all applications, or 29.4% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Athol Savings Bank'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