Avidia Bank in Massachusetts vs the state
9.0%Denial rate-7.24 pts vs state
10.4%Decision denial rate-9.53 pts vs state
75.8%Origination rate+13.18 pts vs state
—Median rate
—Rate spread (pts)
$163kMedian applicant income
169Loans originated
20Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 508 | 382 | 10.6% | 7.00% | #84 |
| 2024 | 211 | 161 | 6.2% | — | #142 |
| 2025 | 223 | 169 | 9.0% | — | #148 |
What Avidia Bank lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Avidia Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 111 | 82 | 12 | 10.8% |
| Middlesex County | 65 | 53 | 4 | 6.2% |
| Norfolk County | 14 | 12 | 1 | 7.1% |
| Essex County | 10 | 7 | 1 | 10.0% |
| Suffolk County | 10 | 7 | 1 | 10.0% |
| Plymouth County | 4 | 3 | 0 | 0.0% |
| Barnstable County | 4 | 2 | 0 | 0.0% |
| Franklin County | 2 | 2 | 0 | 0.0% |
| Bristol County | 2 | 1 | 0 | 0.0% |
| Dukes 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: 223 applications in 2025, of which 169 were originated and 20 denied.
9.0% of all applications, or 10.4% 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 Avidia 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