Brookline Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
46th26.1% deniedPricingmedian rate spread over APOR, weight 30%
66th-0.16 ptsProcesswithdrawn + incomplete share, weight 15%
43rd14.0%Closing coststotal loan costs ÷ loan amount, weight 10%
82nd1.83% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 594 | 362 | 22.9% | 26.6% | 7.93% | $143M |
| 2024 | 600 | 379 | 19.7% | 23.4% | 8.25% | $185M |
| 2025 | 1,280 | 797 | 22.4% | 26.1% | 6.75% | $417M |
What Brookline Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 978 home-equity lines, 0 reverse mortgages, 1 manufactured homes, 60 investment properties.
Why Brookline Bank denies applications
Primary reason reported for each of the 287 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Brookline Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 84 | 27 | 61.6% |
| $50k – $100k | 263 | 123 | 41.4% |
| $100k – $150k | 237 | 157 | 22.8% |
| $150k – $250k | 304 | 218 | 16.0% |
| Over $250k | 333 | 238 | 15.1% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 89 | 59 | 22.4% |
| 35–44 | 231 | 147 | 28.2% |
| 45–54 | 271 | 176 | 24.8% |
| 55–64 | 319 | 195 | 25.8% |
| 65–74 | 225 | 132 | 27.9% |
| Over 74 | 116 | 64 | 29.2% |
Where Brookline Bank lends
10 states and 63 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Massachusetts | 832 | 528 | 21.6% | 7.00% | #58 |
| Rhode Island | 192 | 127 | 16.2% | 6.75% | #52 |
| New York | 134 | 73 | 35.8% | 6.25% | #240 |
| Connecticut | 75 | 40 | 22.7% | 4.75% | #198 |
| Vermont | 24 | 14 | 29.2% | 4.50% | #74 |
| New Hampshire | 16 | 11 | 12.5% | 7.00% | #219 |
Frequently asked questions
Brookline Bank denied 26.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 46th percentile of home-equity (HELOC) lenders.
The most common reason Brookline Bank gave in 2025 was "debt-to-income ratio", cited on 48.1% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Brookline Bank originated in 2025 was 6.75%, and its median rate spread over the average prime offer rate was -0.16 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 21% of its applications were for home purchases, 28% for refinancing (including cash-out), and 52% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.