Baycoast Mortgage Company in Massachusetts vs the state
5.5%Denial rate-10.72 pts vs state
6.6%Decision denial rate-13.32 pts vs state
76.3%Origination rate+13.65 pts vs state
6.50%Median rate-0.13 pts vs state
-0.05Rate spread (pts)-0.14 pts vs state
$147kMedian applicant income
597Loans originated
43Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 591 | 427 | 7.6% | 6.50% | #69 |
| 2024 | 823 | 610 | 3.8% | 6.50% | #53 |
| 2025 | 783 | 597 | 5.5% | 6.50% | #62 |
What Baycoast Mortgage Company lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Baycoast Mortgage Company applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bristol County | 463 | 356 | 26 | 5.6% |
| Worcester County | 69 | 49 | 3 | 4.3% |
| Plymouth County | 53 | 39 | 5 | 9.4% |
| Norfolk County | 52 | 39 | 2 | 3.8% |
| Dukes County | 35 | 29 | 2 | 5.7% |
| Middlesex County | 35 | 24 | 1 | 2.9% |
| Suffolk County | 28 | 21 | 2 | 7.1% |
| Essex County | 18 | 14 | 2 | 11.1% |
| Barnstable County | 17 | 16 | 0 | 0.0% |
| Hampden 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: 783 applications in 2025, of which 597 were originated and 43 denied.
5.5% of all applications, or 6.6% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Baycoast Mortgage Company originated in Massachusetts in 2025 was 6.50%, against a statewide median of 6.63%.
About this data. Figures are Baycoast Mortgage Company'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