Cambridge Savings Bank in Massachusetts vs the state
6.4%Denial rate-9.77 pts vs state
7.3%Decision denial rate-12.62 pts vs state
80.5%Origination rate+17.85 pts vs state
6.49%Median rate-0.13 pts vs state
-0.16Rate spread (pts)-0.25 pts vs state
$200kMedian applicant income
1,037Loans originated
83Denied
Trend in Massachusetts
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,167 | 880 | 10.7% | 6.13% | #32 |
| 2024 | 1,137 | 877 | 8.5% | 6.75% | #41 |
| 2025 | 1,289 | 1,037 | 6.4% | 6.49% | #38 |
What Cambridge Savings Bank lends in Massachusetts
By loan purpose
By loan type
Why it denied Massachusetts applicants
Where in Massachusetts
Counties with the most Cambridge Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Middlesex County | 627 | 512 | 31 | 4.9% |
| Suffolk County | 308 | 255 | 20 | 6.5% |
| Norfolk County | 115 | 88 | 7 | 6.1% |
| Essex County | 111 | 87 | 11 | 9.9% |
| Worcester County | 63 | 47 | 5 | 7.9% |
| Plymouth County | 29 | 18 | 6 | 20.7% |
| Barnstable County | 17 | 15 | 2 | 11.8% |
| Bristol County | 10 | 8 | 0 | 0.0% |
| Hampden County | 3 | 2 | 0 | 0.0% |
| Dukes County | 3 | 2 | 1 | 33.3% |
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: 1,289 applications in 2025, of which 1,037 were originated and 83 denied.
6.4% of all applications, or 7.3% of the applications it actually decided on. The Massachusetts statewide average across all lenders was 16.2%.
The median rate on loans Cambridge Savings Bank originated in Massachusetts in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Cambridge 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