Bay State Savings Bank in Massachusetts vs the state
15.7%Denial rate-0.56 pts vs state
20.9%Decision denial rate+0.96 pts vs state
58.5%Origination rate-4.10 pts vs state
—Median rate
—Rate spread (pts)
$132kMedian applicant income
86Loans originated
23Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 144 | 90 | 21.5% | — | #189 |
| 2024 | 118 | 67 | 19.5% | — | #210 |
| 2025 | 147 | 86 | 15.7% | — | #205 |
What Bay State Savings Bank lends in Massachusetts
By loan purpose
By loan type
Where in Massachusetts
Counties with the most Bay State Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Worcester County | 119 | 71 | 18 | 15.1% |
| Middlesex County | 10 | 4 | 2 | 20.0% |
| Barnstable County | 6 | 5 | 1 | 16.7% |
| Hampden County | 6 | 4 | 0 | 0.0% |
| Norfolk County | 2 | 1 | 0 | 0.0% |
| Hampshire County | 1 | 1 | 0 | 0.0% |
| Essex County | 1 | 0 | 1 | 100.0% |
| Suffolk County | 1 | 0 | 0 | 0.0% |
| Bristol 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: 147 applications in 2025, of which 86 were originated and 23 denied.
15.7% of all applications, or 20.9% 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 Bay State 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