BayCoast Bank in Massachusetts vs the state
11.6%Denial rate-4.60 pts vs state
12.3%Decision denial rate-7.68 pts vs state
80.0%Origination rate+17.40 pts vs state
7.25%Median rate+0.63 pts vs state
0.03Rate spread (pts)-0.06 pts vs state
$137kMedian applicant income
496Loans originated
72Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 585 | 424 | 16.2% | 8.25% | #71 |
| 2024 | 445 | 317 | 17.1% | 8.50% | #85 |
| 2025 | 620 | 496 | 11.6% | 7.25% | #72 |
What BayCoast Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most BayCoast Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 462 | 364 | 58 | 12.6% |
| Plymouth County | 48 | 44 | 2 | 4.2% |
| Norfolk County | 24 | 22 | 2 | 8.3% |
| Dukes County | 18 | 15 | 2 | 11.1% |
| Worcester County | 15 | 10 | 3 | 20.0% |
| Middlesex County | 14 | 13 | 0 | 0.0% |
| Barnstable County | 12 | 8 | 3 | 25.0% |
| Hampden County | 10 | 7 | 1 | 10.0% |
| Essex County | 8 | 6 | 1 | 12.5% |
| Suffolk County | 6 | 5 | 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: 620 applications in 2025, of which 496 were originated and 72 denied.
11.6% of all applications, or 12.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans BayCoast Bank originated in Massachusetts in 2025 was 7.25%, against a statewide median of 6.63%.
About this data. Figures are BayCoast 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