bankESB in Massachusetts vs the state
7.5%Denial rate-8.70 pts vs state
8.6%Decision denial rate-11.38 pts vs state
79.0%Origination rate+16.44 pts vs state
6.13%Median rate-0.50 pts vs state
-0.15Rate spread (pts)-0.24 pts vs state
$131kMedian applicant income
1,399Loans originated
133Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,125 | 846 | 11.5% | 6.00% | #34 |
| 2024 | 1,305 | 990 | 10.1% | 6.25% | #34 |
| 2025 | 1,770 | 1,399 | 7.5% | 6.13% | #24 |
What bankESB lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most bankESB applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 311 | 242 | 33 | 10.6% |
| Essex County | 281 | 225 | 19 | 6.8% |
| Middlesex County | 272 | 236 | 8 | 2.9% |
| Hampshire County | 208 | 152 | 17 | 8.2% |
| Hampden County | 176 | 132 | 28 | 15.9% |
| Norfolk County | 174 | 132 | 14 | 8.0% |
| Plymouth County | 148 | 126 | 4 | 2.7% |
| Suffolk County | 94 | 75 | 4 | 4.3% |
| Bristol County | 40 | 29 | 2 | 5.0% |
| Barnstable County | 29 | 23 | 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: 1,770 applications in 2025, of which 1,399 were originated and 133 denied.
7.5% 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 bankESB originated in Massachusetts in 2025 was 6.13%, against a statewide median of 6.63%.
About this data. Figures are bankESB'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